Last Updated on 2 years ago by Anoob P T
Lifetime free credit card is something I prefer to a regular credit card.
When I started working, I never got a credit card because I felt I did not have the capability to control my spending habits.
As and when I started using a credit card, I found that having a credit card is very useful and credit cards were helping me pay my bills when my salary was delayed.
Additionally, I could even purchase electronic items on “Zero Percent” EMIs which was a great added advantage (I bought my first refridgerator that way).
That being said, lot of credit cards charge yearly fees if you do not spend a required amount on the credit card.
This is where Lifetime Free Credit Cards come in very handy.
As the name suggests, these are credit cards that do not charge any annual fees and are great to keep using to collect reward points.
Note: Some of these cards will have lower reward points than cards which have annual fee–but I think its a fair trade-off.
[su_box title=”Criteria for Evaluating Best Lifetime Free Credit Card” box_color=”#5E22DC”]★ Ease of Credit Card Procurement
★ Approval Process
★ Internet Banking Facilities
★ Support
★ Operating Charges
★ Interest Rates
★ Reputation or Recommendation from Card Holders[/su_box]
10 Best Lifetime Free Credit Cards
Table of Contents
HDFC Lifetime Free credit card
HDFC Bank offers a wide variety of credit cards including basic, premium and super-premium cards. While cards from the premium and super-premium categories attract high annual fee, basic credit cards may be low on fee or free for lifetime.
The HDFC MoneyBack Credit Card is a basic and lifetime free credit card. You need to be a salaried or self-employed person within 21-60 years of age. Even though it charges an annual fee of Rs.500, the bank offers lifetime free credit card to its customers who have HDFC bank accounts.
Annual Fee: The annual fee is waived off for certain credit cards if it meets the minimum amount spent for over a time period.
[su_box title=”HDFC Lifetime Free credit card Advantages” box_color=”#228B22″]
★ Earn 2 reward points per Rs. 150
★ Get twice the rewards on online spends
★ Redeem accumulated rewards as cash back into the credit card statement (100 reward points = Rs. 20 cash back)[/su_box]
[su_box title=”HDFC Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ Reward points are valid for a period of 2 years from accumulation
★ High interest rate of 3.49% [/su_box]
[su_button url=”https://leads.hdfcbank.com/applications/new_webforms/apply/mobile/Credit-Card_TU.aspx” target=”blank”]Get HDFC Lifetime Free Credit Card![/su_button]
ICICI Lifetime Free credit card
The ICICI Bank Instant Platinum Credit Card is a good choice for you if you need an instant and free Credit Card. You will get this card instantly if you have a fixed deposit in your bank account.
If you do not have one, just apply to open a Fixed Deposit and get the Card immediately. This Card is available at over 2000 ICICI Bank branches and is issued against select Fixed Deposits.
Annual Fee: This card does not have any annual fees if you have a fixed deposit in your saving account with ICICI bank. Otherwise, the bank charges Rs.199 as annual fee.
[su_box title=”ICICI Lifetime Free credit card Advantages” box_color=”#228B22″]
★ 2 payback points for every Rs.100 spent.
★ Global Emergency Assistance and Card replacement service available.[/su_box]
[su_box title=”ICICI Lifetime Free credit card card Disadvantages” box_color=”#FF0000″]★ You need to have a fixed deposit against the savings account.
★ The bank charges annual fee if you are not an FD holder[/su_box]
[su_button url=”https://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/morecards.page” target=”blank”]Get ICICI Lifetime Free Credit Card![/su_button]
SBI Lifetime Free credit card
Daily purchases are made easy with SBI Simply Click credit card which can be considered as a life time free credit card. The best feature about this card is its advantages and benefits while online shopping. The card gives you 10X rewards on Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, and UrbanClap. It is fast and convenient with additional security and safety measures.
Annual Fee: The annual fee is Rs.499 and can be waived off with a minimum spend of Rs.1 lakh.
[su_box title=”SBI Lifetime Free credit card Advantages” box_color=”#228B22″]
★ 2 payback points for every Rs.100 spent.
★ Global Emergency Assistance and Card replacement service available.[/su_box]
[su_box title=”SBI Lifetime Free credit card card Disadvantages” box_color=”#FF0000″]★ No particular benefits on travel, dining or entertainment.
★ Limited options for reward redemption.[/su_box]
[su_button url=”https://www.sbicard.com/en/personal/credit-cards/shopping/sbi-card-unnati.page” target=”blank”]Get SBI Lifetime Free Credit Card![/su_button]
Yes Bank Lifetime Free credit card
YES Bank is one of the most preferred private-sector banks in India. Besides offering a range of products like Mutual Funds, Loans, Fixed Deposit etc., the bank also offers an extensive range of zero annual fee Credit Cards that complement your lifestyle and help you save big on your everyday spends. Eligibility criteria vary from card to card.
However, you need to be at least 21 years old to apply for a Yes Bank Credit Card. The maximum age limit for both salaried and self-employed individuals is 60 years. Also, ensure that you have a steady income and a good Credit Score to qualify for a YES Bank Credit Card.
Annual Fee: There is no annual fee for Yes Bank credit cards.
[su_box title=”Yes Bank Lifetime Free credit card Advantages” box_color=”#228B22″]
★ Get fuel-surcharge waiver on fuel transactions between Rs. 400 and Rs. 5,000.
★ Enjoy 25% off on movie tickets booked via BookMyShow.[/su_box]
[su_box title=”Yes Bank Lifetime Free credit card card Disadvantages” box_color=”#FF0000″]★ YCredit limit is less.[/su_box]
[su_button url=”https://apply.yesbank.in/” target=”blank”]Get Yes Bank Lifetime Free Credit Card![/su_button]
Axis Bank Lifetime Free credit card
![Top 10 Lifetime Free Credit Cards in India [Updated 2020]](https://lh6.googleusercontent.com/IP8NLPO9QREYiMX6UXPizL6GNCc-e9c9zvrbwTs-GAtAXfwt13fjATmvrnQ6rFYSEGzPYHVTDCFcbcebdKQuzjeX770N748iuApHAI7GKvtJjXBctITOB6IMFC5FKwNOopknnue3fjCCEsVTrg)
Axis bank offers two credit cards under life time free credit. These cards are Axis Bank Insta Easy Credit Card and Axis Bank Select Credit Card. The Insta Easy Credit Card offered by the Axis Bank is a great option to choose from if you are a first-time user.
The primary thing that you will require to avail this credit card is to have an FD (Fixed Deposit) of Rs.20,000. Once this is done, you will earn 6 reward points for every Rs.200 that is spent domestically. Apart from all these, the main catch is that the interest rate is low and there is no annual fee.
The Axis Bank Select Credit Card is one of the best premium card options for Burgundy Customers. The card does not have an annual fee and comes with multiple features. You can get access to various benefits like insurance coverage, dining offers, annual benefits, etc.
Annual Fee: There is no annual fee for Axis Bank Lifetime Free credit cards.
[su_box title=”Axis Bank Lifetime Free credit card Advantages” box_color=”#228B22″]
★ It offers 1% waiver on fuel surcharge on all the fuel transactions that are done within India and are between Rs.400 and Rs.4,000.
★ It offers the facility to earn eDGE Loyalty reward points, which helps you earn 10 eDGE reward points on every Rs.200 rupees that you spend and 2× accelerated reward points for every Rs.200 rupees that you spend on retail outlets.[/su_box]
[su_box title=”Axis Bank Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ No reward points for the tickets purchased.
★ There are no reward points on fuel transactions.[/su_box]
[su_button url=”https://www.axisbank.com/retail/cards/credit-card” target=”blank”]Get Axis Bank Lifetime Free Credit Card![/su_button]
IndusInd Lifetime Free credit card
IndusInd Bank WorldMiles Credit Card is one of the life time free credit cards that can be best used for travel. It is a basic level credit card with no annual fee. This credit card is exclusively for travel benefits and gives reward points for flights tickets and as such.
The applicant needs to be an Indian citizen more than 18 years old and clean credit history to apply for IndusInd Bank Worldmiles credit card. Subsequent to submission of the online application, key documents like income proofs, residence proofs, identity proofs are required to be submitted to IndusInd Bank for verification at a later stage.
Annual Fee: There is no annual fee. The joining fee is Rs.5000.
[su_box title=”IndusInd Lifetime Free credit card Advantages” box_color=”#228B22″]
★ 2.5% fuel surcharge waivers at any petrol pump.
★ Earn up to 3 SpendMiles on routine purchases.[/su_box]
[su_box title=”IndusInd Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ Benefits and reward points only on travel.
★ The joining fee is high. [/su_box]
[su_button url=”https://www.indusind.com/personal-banking/products/cards/credit-cards.html” target=”blank”]Get IndusInd Lifetime Free Credit Card![/su_button]
CitiBank Lifetime Free credit card
Citi Bank Rewards Domestic Credit Card is a best life time free credit card for shopping. It offers 20 rewards points on Rs.125 spend on apparel and department stores.
You can discover new avenues to save, win fabulous offers and accrue rewards points. Enjoy excellent rewards redemption options with various travel benefits, merchandise, gifts, cash back and air miles on your Citibank Rewards Domestic Credit Card.
You need to be salaried or self-employed within the age of 25 and 65 in order to be eligible for this card. You also need to have photographs and various proofs of address, income, age and identity.
Annual Fee: The annual fee is Rs.1000. However, it is waived off if your minimum purchase amount is Rs.30000.
[su_box title=”CitiBank Lifetime Free credit card Advantages” box_color=”#228B22″]
★ Redeem at departmental stores, retail shopping sites, travel sites or frequent flyers.
★ No expiration for Reward Points[/su_box]
[su_box title=”CitiBank Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ No points on travel purchases
★ Charges a foreign transaction fee.[/su_box]
[su_button url=”https://www.online.citibank.co.in/credit-card/credit-card.htm” target=”blank”]Get CitiBank Lifetime Free Credit Card![/su_button]
Standard Charted Lifetime Free credit card
If you are a government or private employee with a minimum salary of Rs.25000, then there are good chances for you to avail the benefits of Standard Charted lifetime free credit card.
The platinum cards are usually given to salaried employees with a constant source of income. This is the best option if you are applying for a credit card for the first time. It rewards its owner for their lifestyle shopping. This card is one of the best in its class and offers lot for a frequent shopper. Card holder can accumulate rewards point for never expiring time span and that reward points can be used to pay off.
Annual fee: Application link may say joining fees of Rs.250 but that will be waived off when you use your credit card within first 90 days. Actually there is no annual fee but they charge so that you use the card after approval.
[su_box title=”Standard Charted Lifetime Free credit card Advantages” box_color=”#228B22″]
★ The customers can enjoy 25% discount on movie tickets and 10% discount on food and beverages on Fridays, Saturdays, and Sundays at INOX.
★ The customers can get 15% off at over 850 restaurants across India.[/su_box]
[su_box title=”Standard Charted Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ High interest rate for EMI payments. [/su_box]
[su_button url=”https://www.sc.com/in/credit-cards/platinum-rewards/” target=”blank”]Get Standard Charted Lifetime Free Credit Card![/su_button]
HSBC Lifetime Free credit card
HSBC Platinum credit card is a life time free credit card with no joining fees and no annual fees. They are high on rewards and give a lot of offers, reward points and cash backs on first few months of usage. You can get this card with an address proof, id proof and pan card. You also need the salary slip as well as some photographs. They have amazing introductory offers exclusively for life style services and products.
Annual fee: They do not charge any annual fees.
[su_box title=”HSBC Lifetime Free credit card Advantages” box_color=”#228B22″]
★ Complimentary travel vouchers.
★ 10% cashback within first 60 days of card issuance.[/su_box]
[su_box title=”HSBC Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ The benefits are one time or you have to spend a lot to get better rewards.
★ Airline transfers & Hotel transfers are the only ways to get handsome returns. [/su_box]
[su_button url=”https://www.hsbc.co.in/credit-cards/” target=”blank”]Get HSBC Lifetime Free Credit Card![/su_button]
American Express Lifetime Free credit card
American Express Lifetime free credit card offers a wide range of rewards and points best suited for people who love to travel and shop that comes with a host of privileges, offers, discounts on lifestyle, shopping, dining, movies, etc. gives bonus rewards points on adding money to wallets like Paytm, Amazon Pay and Freecharge. You can earn 1,000 bonus membership rewards points worth Rs.400 every month by simply doing 4 transactions of Rs.1000 each.
Annual Fee: They charge Rs.1000 as annual fee for the first year. From the second year onwards, the annual fee charged is Rs.4500 and you can earn 5000 reward points upon renewal.
American Express doesn’t waive annual fees, but sometimes they’ll offer a statement credit to help offset the cost of the annual fee.
[su_box title=”American Express Lifetime Free credit card Advantages” box_color=”#228B22″]
★ 2000 referral bonus points when you apply using the below
★ 1000 Bonus points for using your Card 4 times every month.[/su_box]
[su_box title=”American Express Lifetime Free credit card Disadvantages” box_color=”#FF0000″]★ They are expensive.
★ Lifetime Fee Waiver is only if you are a big spender [/su_box]
[su_button url=”https://www.americanexpress.com/in/credit-cards/” target=”blank”]Get American Express Lifetime Free Credit Card![/su_button]
So there you have it, best lifetime free credit cards in India you can consider.
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