Lifetime Free Credit Card
When looking for the finest credit card for yourself, the annual fee is a crucial consideration to take into account. Almost everyone wants a credit card that will offer them the greatest benefits for the least amount of money in fees. Since they don’t want to pay anything for a credit card, some people even search for lifetime free credit cards. Nearly all card issuers provide certain lifetime free credit cards in response to such consumer demands.
Lifetime Free Credit Cards- Features and Benefits
Look for the features or benefits of lifetime free credit card-
- No Annual Fee: It goes without saying that not having to pay an annual fee to use a lifetime-free credit card is one of its main advantages.
- Quick Approval: Most free credit cards have modest minimum income restrictions, and other criteria for qualifying are often not too complicated. Because of this, you can anticipate a speedy application approval and card issuance.
- Rewards and Cashback: The majority of the top free credit cards provide rewards and cashback on purchases made in a variety of categories and within specific spending limits. Depending on the conditions of your chosen card, these rewards can be used to make purchases or turned into cash.
- Lifestyle Benefits: Many credit cards without an annual fee also come with extra perks like free cinema tickets, access to airport lounges, discounts on dining and food delivery, and online shopping. Compare these advantages to get the card that best fits your way of life.
- Fuel Fee Waiver: Free credit cards frequently provide a fuel surcharge waiver, typically up to 1%. This might result in a significant total savings given the steadily rising cost of fuel.
List of Lifetime Free Credit Cards
1. Dhanlaxmi Bank Platinum Credit Card
This is the only lifetime free credit card that offers cashback benefits, other from the ICICI Amazon Pay Card. It concentrates on a highly useful category—purchases from supermarkets and department stores—which are a frequent expense for the majority of individuals.
- 5% cashback is offered at grocery and department stores.
- Platinum benefits in various categories
- Free insurance protection
- Emergency aid on a global scale
2. IDFC First Millennia Credit Card
This credit card from IDFC First Bank offers 6-times greater rewards on online shopping up to a specific monthly milestone, making it best suited for consumers who spend a lot of money. Since the gained reward points never expire, you can accrue prizes and exchange them for valuable advantages.
- Up to Rs. 20,000 in monthly offline spending can earn 3X rewards.
- 6X benefits on monthly online spending of up to Rs. 20,000
- Get 10-times greater rewards on purchases after attaining the Rs. 20,000 milestone across all categories.
- You can use reward points to pay for some offline and online purchases.
- Spend 50,000 rupees within 90 days of card activation to receive a welcome incentive of 500 rupees.
- 5% cashback on EMI transactions made within 90 days (max. cashback Rs. 1,000)
- Up to Rs. 100 in savings on movie tickets using the Paytm mobile app (valid once per month)
3. Credit Card from RBL Bank BankBazaar SaveMax
A free credit card for life, the RBL Bank BankBazaar SaveMax Credit Card provides a variety of alluring benefits and cashbacks. The card also includes a free monthly credit advise on BankBazaar that will assist you in keeping tabs on your expenditures and credit score. The credit card also offers pre-approved loans, EMI conversion, and debt transfers.
- Turn all purchases exceeding Rs. 2,500 into convenient EMIs.
- Xpress Cash allows you to receive money into your account immediately.
- 10% reward on purchases made through BookMyShow and Zomato (up to Rs. 100 per merchant each month).
- On the Split n Pay Fee, EMI Infinity Pass offers reductions of up to 100%.
- The RBL Bank MyCard App allows you to manage your credit card, pay utility bills, receive merchant offers, and apply for fast loans.
- In retail establishments, contactless payments up to Rs. 5,000 can be made quickly and securely.
- Earn 5x bonus points on grocery purchases (maximum 1000 reward points per month)
- For every Rs. 100 spent in other categories, earn 1 reward point.
4. IndusInd Bank Platinum Card
Benefits are offered by the IndusInd Bank Platinum Card in a number of categories, including entertainment, leisure, and travel. Pay the membership fee and benefit from the card’s lifetime perks at no further cost.
- Free golf instruction from certified instructors at several golf clubs in India.
- Pre-trip assistance, special bookings, hotel reservations, and other concierge services are among the travel perks.
- membership to Priority Pass, which is free and grants access to more than 700 airport lounges worldwide.
- Purchase insurance to protect yourself from fraudulent transactions and unlawful purchases.
- Auto Assist offers 24-hour roadside assistance for every assistance.
- Enjoy a 1% fuel surcharge waiver at all gas stations nationwide.
5. Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Credit Card may be the best card in the field of lifetime free. Since they receive the largest reward, Amazon Prime subscribers might benefit the most from the card. Amazon Pay Balance is credited as cashback and can be used to fund more purchases.
- For Prime members, Amazon offers 5% back on purchases.
- Amazon offers non-prime customers 3% cashback.
- 100+ Amazon Pay partner merchants provide 2% cashback.
- 1% rebate on all other purchases
- 15% discounts and promotions at particular partner restaurants in India
- 1% of gasoline surcharges at Indian gas stations have been waived.
How to apply for a lifetime free credit card?
Here are the steps to apply for lifetime free credit card-
- You can look through the credit card area and pick the “no fee credit card” you need from the bank’s list of lifetime-free credit cards.
- Verify that you meet the requirements given by the relevant bank before applying for a credit card with no annual fee.
- You can click the “Apply” button if you meet the requirements.
- Details like your name, age, and source of income must be provided.
- You then need to submit the required paperwork, including income documentation (salary slips, Form 16, etc).
- Click “Submit” after entering all the required information.
Lifetime Free Credit Cards- FAQs
- Is the HDFC Regalia Card free for life?
Answer-By activating SmartPay on your credit card during the first 90 days of card issuance and renewing it every year, you can make the aforementioned HDFC Credit Cards lifetime free.
- How many cards am I allowed to have?
Answer-There is no optimum quantity of credit cards you should possess. As long as you qualify, you are free to own as many credit cards as you desire. Your credit score could be lowered if you do not keep the proper credit utilisation rate.
- Is the free credit card for life actually free?
Answer-If the bank determines that you are a credit-worthy customer, they may offer you a lifetime free credit card with no initiation or yearly fees.
- Are free lifelong credit cards a good thing?
Answer-Those who don’t want to pay a price for the card can also benefit from lifetime free cards. There are a few credit cards in this category that offer outstanding value despite the fact that the majority of them offer just minimal features and often low reward rates.
- What are credit cards with 0 interest?
Answer-A credit card with a 0% introductory or promotional interest rate is known as a 0% credit card. You can spread out payments by making less than the whole amount due each month and yet avoid paying interest, according to this.