Lifetime Free Credit Cards with ZERO joining fee, no annual CHARGE: In a rapidly changing financial environment, using credit cards correctly is not only convenient, but it can also help you achieve your financial goals. It is easy to track your expenses with a credit card and it helps in managing your money. By using it, the user gets many benefits like convenience, security, ease of managing expenses and payments, improvement in credit score, convenience in foreign travel, reward points on every expenditure, cashback, discounts, bonus points, free membership.
It can be difficult to choose the right one among the many credit card options, but we are here to give you important information related to the card such as What is Lifetime Free Credit Card? What are their benefits? And will tell you about the best lifetime free credit cards of 2024. Knowing the answers to these questions will help you choose the right credit card for you.
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What is Lifetime Free Credit Card?
Lifetime free credit cards are cards that do not have an annual fee. These are a good option for responsible spenders, offering a host of features without any additional financial burden. Such cards help in maximizing profits and keeping expenses low. These cards help you manage your money smartly.
Benefits of Lifetime Free Credit Card
No annual charge fee
Users get the benefit of 0% joining/renewal charge, making this card free for its entire lifetime.
savings in expenses
Many of these cards waive the surcharge on fuel expenses, which leads to significant savings on everyday expenses.
many facilities
Users can avail many benefits with the card like discounts on shopping, dining and travel, as well as offers on movie tickets and food delivery.
welcome bonus
Upon signing up, users often get attractive welcome bonuses like reward points, vouchers or memberships to popular OTT platforms.
less expenses
These cards usually have low income limits, making them available to most people.
simple ability
The request and acceptance process for these cards is usually simple and fast.
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Credit cards with zero joining fee and no annual charge can be a really cheap option for the user. Let us now know about this year’s best lifetime free credit card options. This information related to the lifetime free credit cards included in this list has been collected from the websites of the respective banks on October 18, 2024.
ICICI Bank Platinum Chip Credit Card
With this card issued by ICICI Bank, users get 2 reward points for every Rs 100 spent, which they can convert into their favorite products. Also, this card is secured with chip technology, making your transactions completely secure.
ICICI Bank Instant Platinum Credit Card
Eligibility: For this card, there should be a fixed deposit of Rs 50,000 and above.
Check out the benefits with this card issued by ICICI Bank here.
Up to 25% discount on purchasing at least two tickets from BookMyShow i.e. maximum savings of up to Rs 100 can be made while booking tickets through BookMyShow. This is for twice a month.
2.5% fuel surcharge waived on ICICI Merchant Services swipe machine for using the card while purchasing fuel from HPCL petrol pump. Remember, surcharge waiver on fuel expenditure is applicable only on transactions up to Rs 4000.
You get 2 reward points for every Rs 100 spent. However, reward points are not available on purchasing fuel through card. Money can be saved by redeeming reward points for specific products.
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811 #DreamDifferent Credit Card
The benefits of this credit card issued by Kotak Mahindra Bank are as follows.
You get 4 reward points for every Rs 100 spent online.
Otherwise, you get 1 reward point for every Rs 100 spent.
Cash withdrawal facility without interest
Cash withdrawal facility available up to 90% of total credit limit
Processing fee of Rs 100 on cash withdrawal and fund transfer from ATM.
No interest on cash advance for 48 days.
1% fuel surcharge waived on expenditure between Rs 500 and Rs 3000 at petrol pumps (maximum Rs 3500 annually).
1.8% surcharge waived on IRCTC website and 2.5% on railway booking counter (maximum Rs 500 annually).
4 reward points are applicable on 811 #DreamDifferent Credit Card Rupay variants.
2 Reward Points applicable on existing 811 #DreamDifferent Credit Card.
Canara Rupay Platinum Credit Card
The benefits of this card issued by Canara Bank are as follows.
With this card you get access to selected lounges.
You get 2 reward points for every Rs 100 spent.
Low markup fee (3%) is payable on foreign currency transactions.
The reward points received can be redeemed for cashback or purchasing goods through select platforms.
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Bank of Baroda Prime credit card
The benefits of the card issued by Bank of Baroda are as follows.
2 reward points per Rs 100 spent at departmental stores and movies.
1 reward point per Rs 100 on other categories of spends.
0.5 reward points per Rs 100 on select categories of spends.
1% fuel surcharge waived at all fuel stations on transactions of Rs 400 to Rs 5000. This is a maximum of Rs 250 in one statement cycle.
Reward points can be redeemed to purchase your favorite products.
IDFC FIRST Select credit card
The benefits of the card issued by IDFC FIRST Bank are as follows.
On spending through this card, the user gets never-ending reward points, up to a maximum of 10 times.
10x reward points on spends above Rs 20,000 in a statement cycle and on birthday spends.
3x reward points on spends up to Rs 20,000.
3x reward points on rental and property management transactions.
Buy one get one offer is available on movie tickets.
Offers are available throughout the year from top brands.
Reward points are available according to expenditure.
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Standard Chartered Platinum Rewards Credit Card
The benefits of this card issued by Standard Chartered Bank are as follows.
You get 5 reward points for every Rs 150 spent at fine dining restaurants.
You get 5 reward points for every Rs 150 spent on fuel purchase.
For other categories, you get 1 reward point for every Rs 150 spent
Spend Rs 500 or more within 30 days of card issuance to avoid one-time payment of Rs 250 plus applicable GST.
HSBC Visa Platinum Credit Card
These benefits are available on meeting the expenses from the credit card issued by HSBC.
The user gets reward points on meeting his expenses with this card.
You can save money by redeeming these points into air miles of select airlines like Air India Flying Returns, Etihad Airways, British Airways, Singapore Airlines.
With this, the card holder gets discounts and benefits on air travel.
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YES Prosperity Purchase Credit Card
The benefits of cards issued by Yes Bank are as follows.
Enjoy zero joining and annual fees with the Prosperity Purchase Credit Card
Minimum amount payable:
For Non-Revolving Credit: 100% of Total Amount Due (TAD)
For Revolving Credit: 5% of Total Amount Payable (TAD) or INR 200, whichever is higher
Financial Charges (from the date of non-payment on unpaid amount and cash advance):
On Non-Revolving Credit: 3.25% per month, 39% per annum applicable from the date of transaction
On Revolving Credit: 2.49% per month, 29.88% per annum w.e.f. date of transaction
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Amazon Pay ICICI Bank Credit Card
You will get these benefits with this card:
no joining fees
no annual charge
No limit or expiry date on rewards received
Use Rewards on over 100 million products on Amazon.in
5% cashback for Amazon Prime members on shopping on Amazon.in
3% cashback on shopping from Amazon.in if you are not an Amazon Prime member
2% cashback on transactions at Amazon Pay merchant partners
1% cashback on all other spends
This card offers you attractive cashback and rewards on Amazon and its partners.
,Note: This list of lifetime free credit cards is for the information of the readers. Financial Express aboveDoes not support any listed credit cards. Readers are advised to select the appropriate card based on their discretion. Let us tell you that the bank andCard service charges and benefits may vary across different financial institutions, so you should verify the latest charges from the respective credit card issuers.)