#1
HSBC
HSBC RuPay Platinum Credit Card
Lifetime-free RuPay card that works with UPI apps
Lifetime freeWorks on UPIUPI (RuPay)Lifetime free
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Best cards
Best lifetime-free cards in India (2026)
No joining fee, no annual fee, no spend condition. A good first card, or a second card you keep for a specific category.
हर कार्ड की फ़ीस और शर्तें साफ़-साफ़।
#2
HSBC
HSBC Visa Platinum Credit Card
Lifetime-free card with fuel savings & Visa Signature perks
Lifetime freeFuelLifetime free
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Side by side
| Card | Annual fee | Headline reward | UPI |
|---|---|---|---|
| HSBC RuPay Platinum Credit CardHSBC | Free | Lifetime-free RuPay card that works with UPI apps | Yes |
| HSBC Visa Platinum Credit CardHSBC | Free | Lifetime-free card with fuel savings & Visa Signature perks | No |
Questions people ask
How did you rank these cards?
By net value at typical Indian spending: reward rate, minus the annual fee, after the monthly caps. Not by commission.
Can I hold more than one of these?
Yes, and pairing a free card with one paid card usually beats holding a single expensive one. Check each card's fee waiver condition first.
How often is this page updated?
Every card page carries the date we last checked the bank's own website. When a reward rate changes, we post it in the news section.
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