Lifetime free credit cards in India
Credit cards are the need of the hour. Ask why? These cards help manage basic shopping needs and offer rewards for everyday expenses. There are numerous options available for credit card subscriptions. However, you should look for the right one that fits your requirements. Most credit cards offer basic features, such as a flat reward rate, spending categories, or low discount offers. You should select a lifetime free credit card that maximises your benefits in the preferred category. Also, there are no joining or annual fees to worry about. These budget-friendly options will help you build a better credit history and earn rewards. This article will explore the best lifetime-free credit cards in India for savvy spenders.
1. HSBC VISA Platinum credit card
HSBC VISA Platinum credit card offers endless benefits to its subscribers. You can apply for this credit card and get an annual discount of up to Rs. 3000 on fuel fees. Don't forget to download the HSBC India Mobile App and pay a minimum of Rs. 5000. You can receive a cashback of INR 500 if you pay within 30 days of card issuance. In addition, this credit card offers rewards points that can be redeemed for flight miles with Club Vistara, India's Flying Returns, Etihad Airways, British Airways, and Singapore Airlines. You can earn two reward points for every Rs. 150 transaction. It sounds too good to be true.
2. ICICI Bank Platinum Chip credit card
The ICICI Bank Platinum Chip credit card is made to offer the best deals on luxury hotels, restaurants, lifestyle retailers, and spas. It allows you to get a 1% fuel surcharge waiver (up to Rs. 4,000) at HPCL pumps across India. It has a customised reward point system to make these offers or services available. For example, two reward points are granted for every T$100 purchase from retail stores, except petrol. One reward point is given for every Rs. 100 payment made to the insurance facility or utilities. Apart from reward points you can earn by credit card affiliate program as well and this earning goes high if you have a big network to promote your affiliate link.
3. IDFC First Select Credit Card
The IDFC First Select Credit Card is another beneficial option and a solid reason to consider getting a credit card. It gives you free access to domestic airport lounges from every airport or airline. It offers guaranteed trip cancellation coverage with a minimal foreign exchange markup. You can access a “one-on-one free ticket” priced up to Rs. 125 through Paytm. You can earn up to 10 times your rewards with increasing monthly spends and birthday purchases. In addition, you can triple your reward points on every UPI transaction with 100% cashback on your first UPI payment of up to Rs. 200.
4. Kotak 811 DreamDifferent Credit Card
The Kotak 811 #DreamDifferent Credit Card is a lifetime free card backed by a fixed deposit, ideal for first-time users. It offers four reward points per Rs. One hundred spent online and waives a 1% fuel surcharge on transactions between Rs. 500 and Rs. 3,000 (up to Rs. 3,500 annually). Railway surcharge waivers include 1.8% on IRCTC bookings and 2.5% at railway counters (up to Rs. 500). Cardholders can withdraw up to 90% of their credit limit in cash, with a nominal fee of Rs. A Rs. 100 processing fee applies to ATM withdrawals and fund transfers. It’s a feature-rich, zero-fee card that supports both everyday and online spending efficiently.
5. Federal Bank Scapia Credit Card
The Federal Bank Scapia Credit Card is a lifetime free, travel-centric credit card designed for digital-savvy users. It offers 20% Scapia Coins on travel bookings (flights and hotels) made via the Scapia app, and 10% Scapia Coins on all other online and offline spends. These Scapia Coins can be instantly redeemed for travel bookings within the app. Federal credit cards offer unlimited access to airport lounges after spending Rs. 10,000 monthly on a Visa variant or Rs. 15,000 on a RuPay variant. In addition, you receive negligible foreign exchange markup on international transactions and interest-free credit for up to 48 days from issuance. You don’t have to pay any joining or annual fees, and you have a cash withdrawal limit of up to 10% of your credit limit.
6. AU LIT Credit Card
The AU LIT Credit Card is another lifetime credit card on the list, offering an extensive range of benefits. This money-saving device enables you to earn 5 or 10 times more reward points by booking flights, both domestic and international. You can even boost your reward rate through online retail shopping. This reward increment also applies to all POS and contactless offline transactions through local and global places. You can earn up to 5% cashback on milestone spending and select categories, such as groceries and apparel. And 2% cashback on retail purchases with one reward point for every Rs. 100 spent. Transactions related to fuel, rent, BBPS, quasi-cash, and government services are excluded from rewards. In addition, you can enjoy up to 4 complimentary domestic airport lounge visits per quarter.
Conclusion:
These lifetime free credit cards offer an excellent way to enjoy the benefits with no joining or annual fees to worry about. The rewards on everyday spending, travel perks, and utility savings act as the cherry on top. This list of cards is our top picks that fulfil your financial needs without long-term cost. These credit cards offer a great deal to first-time users and budget-conscious individuals. Choosing the right lifetime credit card is now in your hands, as we have given you the best options. You can select the right one as per your needs to manage your finances efficiently.
