Are you someone who is looking for a credit card but do not know which one to choose? Then you are at the right place. We have come up with Best lifetime free credit cards In India. These credit card do not have any Annual Fee which can save your money to a greater extent. These credit cards comes with various discounts and reward points that will excite you even more.
Best Credit Cards in India With No Annual Fee
You might wonder which credit card would fit you well. Below is the list of Top 10 Lifetime Free Credit Card with no Annual fee. Choose a credit card as per your needs or requirements.
RBL Bank BankBazaar SaveMax Credit Card
Annual Fee: Rs 0 (Rs 499+ GST from second year which can be reversed)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome voucher worth Rs 500.
- Card Tap for instant and contactless payments.
- Offers up to 5% cashback on purchases.
- No Annual Fee even in second year if spend more than 1 lakh.
IDFC FIRST Millennia Credit Card
Annual Fee: No Annual Fee (for lifetime)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Lifetime no Annual Fee.
- Discounts and Rewards on everyday expenses including shopping, food, etc.
- Access to selected airport lounge.
- Card Tap for Instant and contactless payments.
- Savings flat 1% for fuel on every petrol station
AU LIT Credit Card
Annual Fee: Rs 0 (Rs 499+ GST from second year)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Customizable reward system.
- Lower forex transaction charges.
- Airport longue access.
- Card Tap for instant and contactless payments.
IndusInd Platinum Credit Card
Annual Fee: Rs 0 (Rs 3000+ GST from second year)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Welcome voucher worth Rs 5000 from top rated brands.
- Card Tap for instant and contactless payments.
- Discount on selected restaurants and movie tickets.
- Access to domestic airport lounge.
ICICI Amazon Pay Credit Card
Annual Fee: Rs 0
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Instant Discounts on Amazon Orders.
- Good percentage of Cashbacks on every purchase.
- No purchase amount limit to avail cashback offer.
- Card Tap for instant and contactless payments.
HSBC Visa Platinum Credit Card
Annual Fee: Rs 0 (Rs 1000+ GST from second year.)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- The Annual Fee for the second year can be wavered off If you spend Rs 1.5 lakhs or more.
- Earn reward points on every domestic transmission.
- Offers insurance coverage.
- Unlimited airport lounge access.
Federal Bank Scapia Credit Card
Annual Fee: Rs 0 (Rs 999+ GST from second year)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Up to 5% cashback on selected everyday expenses.
- Up to 20% discount on selected restaurants.
- The Annual Fee for the second year is waivered if you spend Rs 1 lakh or more.
- Card Tap for instant and contactless payments.
- Welcome bonus 1000 reward points on first purchase.
Axis Bank Insta Easy Credit Card
Annual Fee: No Annual Fee (Lifetime)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 2.5% cashback on utility bills.
- Easy application process.
- Simple to access for first time users.
- Card Tap for instant and contactless payments.
IndusInd Legend Credit Card
Annual Fee: No Annual Fee (Lifetime)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Get 2000 bonus points on first transaction.
- Up to 20% discount on selected restaurants.
- Ideal for shopping from brands as it comes with various discounts.
- Provides insurance coverage.
- Second year Fee is waivered off if you spend more than Rs 3 lakh.
- Provides insurance coverage.
RBL Bank BankBazaar SaveMax Credit Card Overview
This is a very special card for everyday users where one can get some great discounts from the BankBazaar and RBL merchants. Thus, if you are an individual who like to save in their everyday expenses may it be groceries, fuel or any others then check out this card.
IDFC First Millennium Credit Card Overview
IDFC First Millennium Credit Card is one of the best lifetime free credit card. If you are someone who wants to stay received from the Annual Fee, make arrangements for everyday expenses and still earn some great cashbacks and discounts then go ahead with this credit card.
AU LIT Credit Card Overview
Overview: AU LIT Credit Card is a very unique and best credit card in India. Unique because it offers customers with the option to customize their rewards as per their preferences which makes it more convincent for them to save on expenses. The credit card is suitable for an individual who require a credit card to maintain their lifestyle.
IndusInd Platinum Credit Card Overview
This credit card is made to give you premium experiences in your life. The card is suitable for individuals who usually travel a lot and enjoy luxurious stay, foods and everything. Along with all this, one can also receive reward points on every transaction.
IDFC FIRST Millennia Credit Card Overview
This credit card is like a normal credit card but with no any fees structure. It is ideal for individuals who spend very frequently on their lifestyle and also look for some great deals and discounts in return. The card holder will also receive reward points on every transaction while increases the savings overall.
ICICI Amazon Pay Credit Card Overview
The Amazon Pay ICICI Credit Card is introduced by the ICICI Bank in partnership with Amazon. This credit card is for the one who love to shop from amazon and are constantly looking for some cash back or discounts. As the card is free of charge, it attracts many members of amazon prime as well as non prime To get this ICICI credit card so that they can enjoy amazon shopping and receive some great cashbacks for the same.
HSBC Visa Platinum Credit Card Overview
HSBC Visa Platinum Credit Card is made for individuals looking for a good lifestyle in all ascpets of their life including shopping, dining and many others. If you are a frequent traveller then this is a good credit card for you as it offers good reward points with the expenses.
Federal Bank Scapia Credit Card Overview
Federal Bank Scapia Credit Card is ideal for individuals who are looking for a simple credit card with cashbacks features. One can easily spend on everyday expenses like the food, travel and Shopping. With this card one can enjoy some great rewards and cashback deals. It is a simple and easy to access card.
Axis Bank Insta Easy Credit Card Overview
Overview: This Axis Credit Card is true to its name. The card is best for first time Credit card users as it does not have any fees and is simple to use. Even the application of the process is effortless. One can get reward points on everyday expenses and good discounts on selected brands.
IndusInd Legend Credit Card Overview
This IndusInd Credit Card is a premium Card that is ideal for people with a high spending capacity. It comes with great deals and discounts on selected brands while shopping. It tends to offer luxurious lifestyle with its additional perks.
No Annual Fee Credit Cards Features and Benefits
No annual free credit cards are ideal for someone who are looking for a hassle free credit card with no extra fees. Below are the features and benefits of having a no annual fee credit card-
- ● Instant payments by tapping the cards
- ● No extra Fees for lifetime
- ● Allows great discounts and reward points on purchases as well as expenses
- ● 24/7 assistance support to guide you in difficulty
- ● Genuine and Simple application process
- ● Proves to be more cost- effective in nature
- ● Can be easily used for online transactions and access to online banking
Lifetime Free Credit Cards Eligibility Criteria
Below are the details to check the eligibility for credit card-
- ● The applicant age should be at least 18 years old (some might require minimum age to be 21)
- ● The applicant should be a resident of India
- ● The applicant should have a good Credit score
- ● The applicant should have an Income Proof
- One should know the terms and conditions as well before applying for a credit card
Documents Required For Lifetime Free Credit Cards
The required documents for the application process include-
- Identity Proof (Aadhar Card, PAN Card, etc)
- Income Proof (Salary slip, Income Tax statement, etc)
- Address Proof (Electricity bill, Rent Agreements, etc)
- Photograph
How To Apply for a Lifetime Free Credit Card Online?
Below are the steps one must follow to successfully apply for a lifetime free credit card online-
- Select the Credit Card you want to apply for
- Visit the issuers website and login into the account
- Start the Application process under the Credit card section
- Fill out the application form with all the details like personal details, income details, etc
- Upload all the required documents like the Aadhar Card, income proof, Address proof, etc
- Review the application and submit the same for approval
- Track the approval status through the same website or application.
Conclusion
Thus, we have seen the top 10 credit card that offers some great discounts and cashbacks. One should select a credit card as per the requirements. All the above mentioned credit cards offer reward points on purchases. The Annual Fee is Rs 0 for first year and some even have no Fee for lifetime.
FAQs
What is credit card that is free for lifetime?
A credit card that does not charge any Annual Fee for lifetime.
Which is the best Credit Card Amongst all?
The Axis Bank Lifetime Free Credit Card is considered top rated.
Is SBI Credit Card free?
One can waiver off the Annual Fee by a fixed minimal spend