#1
Kotak Mahindra Bank
Kotak League 811 Credit Card
★★★★☆ 4.1
₹0 joining ₹0 annualReward: 2.67%Income: ₹15K/mo
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Kotak · Lifetime Free Lineup
Best Lifetime Free Credit Cards from Kotak (2026)
Every Kotak credit card with ₹0 joining fee AND ₹0 annual fee forever — no spend-based waiver, no surprise renewal charges. 2 cards qualify as of 2026.
What "lifetime free" means here
₹0 joining fee + ₹0 annual fee forever, with no spend threshold required. We exclude "first-year free" cards that start charging from year 2. Each card's MITC clause has been verified before listing.
2 Kotak LTF cards available
#2
Kotak Mahindra Bank
Kotak 811 #DreamDifferent Credit Card
★★★★☆ 3.8
₹0 joining ₹0 annualReward: 2%Income: ₹25K/mo