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South Indian · Lifetime Free Lineup
Every South Indian credit card with ₹0 joining fee AND ₹0 annual fee forever — no spend-based waiver, no surprise renewal charges. 0 cards qualify as of 2026.
₹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.
South Indiancurrently doesn't offer any cards that meet our strict lifetime-free criteria (₹0 joining AND ₹0 annual with no spend threshold). See South Indian's full lineup for fee-waived alternatives.