Credit Card: Credit cards have become one of the most commonly used financial tools nowadays. It is very much liked due to its features, attractive offers and discounts. If you want maximum benefits, then choosing a lifetime free credit card can be very beneficial for you. Lifetime free credit card is a great option for those who want to earn rewards without paying any annual fees. These cards do not have any joining or renewal fees, yet they give many great benefits like cashback, lounge access, food and travel etc.
Why are lifetime free credit cards so special?
A lifetime free credit card means that you will never have to pay any annual or renewal fees, not even after the first year. This is perfect for those who are taking credit cards for the first time, who take care of their budget, or who just want to save card fees. However, many cards that have high annual fees offer premium facilities. These zero fees cards for online shopping, often eating outside food and OTT subscribers also give amazing benefits.
India’s top 10 lifetime free credit card
Here are some of the best lifetime free credit cards in India, which have been selected on the basis of value, benefits and features of rewards. You can select a suitable credit card for yourself by comparing these cards:
HSBC Visa Platinum Credit Card:
Cashback of ₹ 250 immediately on completing KYC.
Additional cashback of ₹ 500 on spending ₹ 5000 in the first month and installing HSBC India Mobile App.
2 reward points at every ₹ 150.
IDFC First Bank Select Credit Card:
2 Complimentary Airport Lounge and 4 Railway Lounge Access per quarter are less seen in lifetime free cards).
Discount of up to 20% on food.
By 1 GATE 1 Free on Movie Tickets twice a month.
Axis Bank My Zone Rupay Credit Card:
A discount of ₹ 120 twice a month on an order of more than ₹ 500 on Swiggy.
Four Complimentary Domestic Lounge Visits annually on spending ₹ 50,000 in the last three months.
4 Edge Reward Point at every ₹ 200 expenditure.
HPCL IDFC First Bank Power+ Credit Card:
Savings up to 6.5% on fuel.
IDFC First Fastag, Grocery goods and 5% Rewards on Utility Bills.
3x reward point on UPI retail expenses.
It has a joining fee of ₹ 499 (+ tax), but no renewal fees, so after the first year it becomes lifetime free.
IndusInd Bank Legend Credit Card:
Lifetime free access up to Bookmyshow’s by 1 Gate 1 Movie Ticket Offer.
Facility to redeem the reward point on top brands.
Axis Bank My Zone Visa Credit Card:
This is similar to the Rupay version.
A discount of ₹ 120 twice a month on Swiggy.
Four complementary domestic lounge visits annually.
4 Edge Reward Point at every ₹ 200 expenditure.
IndusInd Bank Ejidineer Credit Card:
Up to 50% discount on food bills through Eazydiner app.
Two Complementary Airport Lounge Visits per quarter.
Two free movie tickets of ₹ 200 every month through Bookmyshow.
It has ₹ 1,999 (+ tax) joining and renewal fee, but frequent savings on eating make it beneficial for foods.
HDFC Bank Millennia Credit Card:
Great card for online buyers.
5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, Bookmyshow and others.
You can earn up to 1,000 cashpoints every month.
A quarterly bonus of a gift voucher of ₹ 1,000 on spending ₹ 1 lakh.
Joining and renewal fees are ₹ 1,000, but the benefits from online expenses make it more valuable.
Flipkart Axis Bank Credit Card:
Another powerful card for online shopping.
5% cashback on Flipkart and 4% cashback on Cleartrip, Curefit, PVR, Swiggy and Uber.
Four complementary domestic lounge visits annually.
Its annual fee is ₹ 500, but the rewards on everyday platforms make it one of the most popular co-branded cards in the country.
Swiggy hdfc bank credit card:
10% cashback on swiggy food, instamart, dineout and genie.
5% cashback on other online expenses.
Its joining and renewal fee is ₹ 500.