Lifetime Free Credit Cards
Lifetime free credit cards are credit cards that do not charge an annual fee. They are a great option for those who want the benefits of a credit card without the burden of annual fees.H1 – Lifetime Free Credit Cards in India.
Best Lifetime Free Credit Cards 2023
ICICI Bank Platinum Credit Card
- Lifestyle
- Shopping
Fee
No joining fee
No annual fee
More info
- The ICICI Bank Platinum Chip Credit Card is a popular lifetime free credit card that offers a range of benefits.
- The card offers 2 reward points for every Rs. 100 spent, which can be redeemed for cashback or rewards.
- Additionally, the card also offers 1% fuel surcharge waiver, zero liability on lost or stolen cards, and a host of discounts and offers on dining, shopping, and entertainment.
- Security of a chip card for enhanced protection
- Minimum 15% on your dining bill at select restaurants
- 2 Reward Points on every ₹ 100 spent for all retail purchases except fuel
IDFC First Select Credit Card
- Lifestyle
- Shopping
Fee
No joining fee
No annual fee
More info
- 10X reward points that never expire
- Exciting Dining and Movie offers
- Complimentary access to airport and railway lounges (4 per quarter)
- Low Forex Markup at 1.99%
- Roadside Assistance and Travel Insurance
- 5% Cashback on transaction value of First EMI done within 30 days of card generation
- Dining discounts upto 20% on select restaurants
Premium
Amazon Pay ICICI Bank Credit Card
- Lifestyle
- Shopping
Fee
No joining fee
No annual fee
More info
- 3% Cashback on your spends in Amazon India
- 1% Cashback on all your expenses such as dining, insurance payments, and much more
- 15% savings on select restaurants
- No Reward points expiration
- Embedded microchip offering additional security against duplication
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IDFC First Millennia Credit Card
- Lifestyle
- Shopping
Fee
Joining Fee - Nil
Annual Fee - Nil
More info
- 10X Reward Points on incremental spends above ₹20,000 per month
- 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month
- Welcome voucher worth ₹500
- 4 complimentary Railway lounges
- 25% discount on movie tickets up to ₹100
- Fuel surcharge waiver of 1%, at all fuel stations
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What is a lifetime free credit card?
A lifetime free credit card is a credit card that does not have any annual fees for the lifetime of the card. This means that you don’t have to pay any fees to keep the credit card active, unlike other credit cards that charge an annual fee after the first year.
The concept of lifetime free credit cards is relatively new in India, but it has gained a lot of popularity in recent years. Many banks and credit card companies offer lifetime free credit cards to attract new customers and retain their existing ones.
How do lifetime free credit cards work?
Lifetime free credit cards work in the same way as other credit cards, but without any annual fees. You can use the card to make purchases, pay bills, withdraw cash from ATMs, and avail of various other benefits and rewards that come with the card.
To get a lifetime free credit card, you need to meet certain eligibility criteria set by the bank or credit card company. These criteria may include your age, income, credit score, employment status, and other factors that the bank considers while assessing your creditworthiness.
Once you meet the eligibility criteria, you can apply for the card by filling out an online application form or visiting the bank’s branch. The bank will review your application and may ask for additional documents to verify your identity, income, and other details.
If your application is approved, the bank will issue the lifetime free credit card to you. You can start using the card immediately and enjoy all the benefits and rewards that come with it.
Benefits of lifetime free credit cards
There are several benefits of lifetime free credit cards that make them an attractive option for many people. Here are some of the key benefits of these cards:
- No annual fees: The most significant benefit of lifetime free credit cards is that you don’t have to pay any annual fees for the lifetime of the card. This can save you a significant amount of money in the long run, especially if you use your credit card frequently.
- Reward points and cashback: Many lifetime free credit cards offer reward points and cashback on every purchase you make using the card. These rewards can be redeemed for various products and services, such as flights, hotels, shopping vouchers, and more.
- Zero liability on lost or stolen cards: If your lifetime free credit card is lost or stolen, you are not liable for any fraudulent transactions made using the card. The bank will investigate the matter and refund the amount to your account.
- Interest-free period: Lifetime free credit cards also come with an interest-free period of up to 50 days. This means that you can use the card to make purchases and pay the bill within the due date without incurring any interest charges.
- Easy application process: Applying for a lifetime free credit card is a simple and hassle-free process. You can apply online or visit the bank’s branch to submit your application. The bank will review your application and notify you of the approval status within a few days.