A lifetime free bank card comes with zero becoming a member of or annual price. These free bank cards are finest suited to rookies or first-time card customers, who’ve simply begun their skilled journey or have by no means taken any type of credit score previously. Lifetime free playing cards are additionally suited for many who don’t wish to pay any price for the cardboard. Whereas many of the bank cards on this class present solely primary advantages and often a low rewards charge, there are just a few that provide good worth.
Right here, we’ve got listed the perfect lifetime free bank cards in India. With every card, we’ve got additionally talked about who ought to get this card that will help you resolve and select the perfect bank card that fits your wants.
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Finest Lifetime Free Credit score Playing cards in India for 2023
| Credit score Card | Finest Suited For | Finest Function |
| Amazon Pay ICICI Credit score Card | On-line Buying at Amazon | 5% cashback on Amazon for Prime customers |
| IDFC First Choose Credit score Card | Rewards and Journey | 10-times extra reward factors on incremental spends above Rs. 25,000 per 30 days |
| HSBC Visa Platinum Credit score Card | Reward Factors | Amazon and Swiggy voucher, airport lounge entry and cashback below introductory provide* |
| IDFC First Millennia Credit score Card | Rewards and Journey | 6X reward factors on on-line spends as much as Rs. 20,000 per 30 days |
| ICICI Platinum Chip Credit score Card | Reward Factors | 2 reward factors on each Rs. 100 spent |
| Dhanaxmi Financial institution Platinum Credit score Card | Cashback | 5% cashback on departmental retailer and grocery store spends |
Additionally learn: Finest Credit score Playing cards in India 2023
1. Amazon Pay ICICI Financial institution Credit score Card
Finest Lifetime Free Credit score Card with Co-branded Cashback Advantages
Amazon Pay ICICI Credit score Card is probably the perfect card within the lifetime free class. The cardboard is particularly useful for Amazon Prime customers as they get the very best cashback. Cashback is credited within the type of Amazon Pay Steadiness and may be utilized to make extra purchases.
Key Highlights
- 5% cashback on Amazon spends for Prime clients
- 3% cashback for Non-prime clients on Amazon
- 2% cashback on 100+ Amazon Pay companion retailers
- 1% cashback throughout all different spends
- 15% low cost and provides on choose companion eating places in India
- 1% gas surcharge waiver throughout all petrol pumps in India
Learn Amazon Pay ICICI Credit score Card Evaluate | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
Amazon Pay ICICI Credit score Card provides you good worth again within the type of cashback. Nevertheless, solely Amazon Prime members can take advantage of out of this card as a result of the very best cashback is obtainable solely on purchases made by Amazon Prime members. Aside from this, Non-prime members will get a cashback of three% on Amazon spends. This bank card is appropriate when you steadily store at Amazon and are in search of a card that gives respectable cashback in your purchases. Nevertheless, when you steadily store at Flipkart or Myntra, then you can even apply for Flipkart Axis Financial institution Credit score Card.
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2. IDFC First Choose Credit score Card
Finest Lifetime Free Credit score Card with Journey and Life-style Advantages
IDFC First Choose Credit score Card is a lifetime free card appropriate for people who find themselves in search of a excessive rewards charge. The extra you spend, the extra you earn with this card as it really works on an incremental spend reward factors mannequin, whereby the incomes will increase when you attain a specific spending milestone.
Key Highlights
- 10X reward factors on incremental purchases better than Rs. 25,000 per billing cycle
- 6X reward factors on all on-line purchases as much as Rs. 25,000 per 30 days
- 3X reward factors on all offline purchases as much as Rs. 25,000 per 30 days
- Reward vouchers price Rs. 500 on spending Rs. 15,000 inside 90 days of card set-up
- 5% cashback in your first EMI transaction made inside 90 days of card set-up
- Purchase 1 get 1 provide on reserving film tickets (As much as Rs. 250 per ticket) through Paytm cellular app (twice per 30 days)
- Complimentary home airport lounge entry (4 per quarter)
- Complimentary railway lounge entry (4 per quarter)
- Low overseas alternate mark-up price of 1.99%
Learn extra about IDFC First Choose Credit score Card | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
IDFC FIRST Choose Credit score Card is likely one of the finest zero annual price bank cards that provide respectable rewards throughout all classes. Nevertheless, you’ll be able to earn higher reward factors when you steadily store on-line because it provides 6X rewards on on-line purchasing and 3X on offline purchases. You possibly can apply for this bank card when you don’t put massive bills in your bank card and are extra inclined in the direction of rewards as an alternative of cashback. Nevertheless, in case you are in search of a card that gives advantages on a particular class, then this may not be the best possibility for you.
3. HSBC Visa Platinum Credit score Card
Finest Lifetime Free Credit score Card for Films and Cashback
HSBC Visa Platinum Credit score Card is finest suited to folks in search of purchasing and journey advantages with out having to pay any annual price on the cardboard. You get cashback and film vouchers on reaching the set spending milestone. Reward earnings are additionally greater after reaching the Rs. 4 lakh milestone.
Key Highlights
- Amazon Vouchers (price Rs. 500) and Swiggy Vouchers (price Rs. 250) below the introductory provide
- 3 complimentary airport lounge entry at home & worldwide lounges or 3 AirDine vouchers as welcome profit
- 10% cashback (As much as Rs. 2,000) whenever you make a minimum of 5 eligible transactions totaling Rs. 10,000 or extra within the first 90 days of card activation
- Attain complete spending of Rs. 4 lakh in a 12 months and get 5X rewards on all subsequent purchases
- Purchase 1 get 1 free provide with BookMyShow for tickets booked on Saturday
Learn Extra about HSBC Visa Platinum Credit score Card | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
HSBC Visa Platinum Credit score Card is likely one of the finest no annual price bank card that’s appropriate for you if you wish to begin your credit score journey. This entry-level bank card is loaded with quite a few advantages like free vouchers, complimentary memberships, rewards, cashback, low cost on film tickets and far more. The perfect half about this card is that it supplies a sign-up bonus of over Rs. 2,000 with none becoming a member of price, which is respectable as in comparison with different lifetime free bank cards obtainable available in the market. Total, you’ll be able to apply for this card in case you are in search of an entry-level bank card and don’t wish to pay an annual price.
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4. IDFC First Millennia Credit score Card
Finest Lifetime Free Credit score Card for Reward Factors
IDFC FIRST Millennia Credit score Card is finest suited to individuals who spend quite a bit, this bank card from IDFC First Financial institution provides 6-times extra rewards on on-line purchasing as much as a sure month-to-month milestone. The earned reward factors by no means expire so you’ll be able to accumulate rewards and redeem them for important advantages.
Key Highlights
- 3X rewards on offline spends as much as Rs. 20,000 per 30 days
- 6X rewards on on-line spends as much as Rs. 20,000 per 30 days
- On spends after reaching Rs. 20,000 milestone, get 10-times extra rewards throughout all classes
- Spend Rs. 50,000 inside 90 days of card activation to get Rs. 500 welcome profit
- 5% cashback on transaction worth of EMI created inside 90 days (Max. cashback Rs. 1,000)
- 25% low cost on film tickets booked through Paytm cellular app (As much as Rs. 100)
Learn IDFC FIRST Millennia Credit score Card Evaluate | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
IDFC FIRST Millennia Credit score Card is an appropriate possibility in case you are in search of a zero annual price bank card that comes with a great rewards charge. With this card, you’ll be able to earn as much as 10X reward factors on choose purchases. Additionally, you’ll be able to earn higher reward factors when you steadily store on-line. The general rewards charge of this bank card is 3%, which is nice as in comparison with different zero annual price bank cards. Additionally, this bank card works on an incremental mannequin, which mainly means, the extra you spend the extra you earn. Generally, you’ll be able to apply for this bank card when you steadily store on-line and are in search of a card that provides good worth again within the type of rewards.
5. ICICI Platinum Chip Credit score Card
Lifetime Free Credit score Card with Fundamental Options
ICICI Platinum Chip Credit score Card is suited to the wants of those that are new to credit score and desire a primary card just for constructing a great credit score rating. This is likely one of the finest bank card with no annual price.
Key Highlights
- 1 reward level per Rs. 100 spent on utilities and insurance coverage
- 2 reward factors per Rs. 100 throughout all different classes besides gas
- Redeem your rewards in opposition to vouchers or merchandise from the ICICI Rewards Catalogue
- 1% gas surcharge waiver at HPCL pumps for transactions as much as Rs. 4,000
- As much as 15% off on eating at 2,500 companion eating places
Finest Rewards Credit score Playing cards in India | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
ICICI Platinum Chip Credit score Card is a primary bank card that gives reward factors on each transaction. Nevertheless, it’s extra appropriate for retail purchases because it provides higher rewards on the mentioned class. Aside from rewards, this bank card additionally provides some primary advantages, corresponding to eating low cost, gas surcharge waiver, vouchers and extra. This bank card doesn’t have a lot to supply aside from rewards. There are different rewards bank cards obtainable available in the market that include a greater rewards charge. You possibly can apply for this bank card if you wish to begin your credit score journey and are in search of a primary credit score.
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6. Dhanlaxmi Financial institution Platinum Credit score Card
Finest Lifetime Free Credit score Card for Grocery store Spends
Apart from ICICI Amazon Pay Card, Dhanlaxmi Financial institution Platinum Credit score Card is the one lifetime free bank card providing cashback profit. It focuses on a really sensible class, that’s, grocery store and departmental retailer purchases which is a daily expenditure for most individuals.
Key Highlights
- 5% cashback on grocery store and departmental retailer purchases
- Platinum privileges throughout completely different classes
- Complimentary insurance coverage cowl
- World help for emergencies
Finest Cashback Credit score Playing cards in India | Test Eligibility for Comparable Credit score Playing cards
Who ought to get this card?
IDFC FIRST Choose Credit score Card is likely one of the finest zero annual price bank cards that provide respectable rewards throughout all classes. Nevertheless, you’ll be able to earn higher reward factors when you steadily store on-line because it provides 6X rewards on on-line purchasing and 3X on offline purchases. You possibly can apply for this bank card when you don’t put massive bills in your bank card and are extra inclined in the direction of rewards as an alternative of cashback. Nevertheless, in case you are in search of a card that gives advantages on a particular class, then this may not be the best possibility for you.
| Additionally learn: Finest Buying Credit score Playing cards | Finest Journey Credit score Playing cards | Finest Co-branded Credit score Playing cards |
FAQs
Q. Is a lifetime free bank card actually free?
A. A lifetime free bank card doesn’t cost any becoming a member of or annual price ever. Nevertheless, costs like late fee price, money advance price, curiosity, and many others. will likely be relevant relying on how you employ the cardboard.
Q. I used to be informed that my card is free however why is the annual price charged now?
A. You will need to get readability on which costs are free. On this case, it appears the issuer has waived off the becoming a member of price however second 12 months onwards, annual/renewal costs will likely be relevant. Some playing cards even have the situation that use sure facility inside a specified interval, say the primary 90 days, to make the cardboard lifetime free. Once you get a free bank card provide, learn the phrases and situations intimately to make sure that the cardboard carries no costs by any means.
Q. How can I waive my bank card annual price?
A. Totally different bank cards include completely different situations for annual price waiver. Normally, you need to attain a specific spending milestone inside a specified time interval, say 1 12 months, to get the annual price reversed/waived off.
Q. What occurs if I don’t pay the invoice on my lifetime free bank card?
A. Once you don’t pay the invoice by the due date, you’ll have to incur late fee costs in addition to finance costs (curiosity). The speed varies from card to card. Additionally, when you’ve an unpaid stability in your bank card account, the interest-free interval additionally stands cancelled which implies all new transactions will even appeal to finance costs from the primary day.
Q. Why ought to I get a bank card with an annual price when lifetime free bank cards can be found?
A. Lifetime free bank cards principally include primary options and a low rewards charge. However, there are playing cards that cost annual price however concentrate on a number of classes and have a greater reward/cashback construction. You will need to weigh the annual price with the general worth of the advantages supplied to see whether or not the price is justified. If the worth of advantages surpasses the annual price by a large margin, it’s price making use of for.
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