Lifetime Free Credit Cards in India

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Lifetime Free Credit Cards in India

Most of the credit card has some annual charges and renewal fee but in the “lifetime free credit card,” the annual fee and other charges are waived off if you meet some certain threshold. This way credit card becomes especially beneficial to those people who do not plan to make much use of their credit card but want to develop their credit score and credit history.

List of banks which provide lifetime free credit card:-

  • Axis Bank
  • State Bank Of India
  • ICICI Bank
  • HDFC Bank
  • HSBC
  • City Bank
  • IndusInd Bank
  • Standard Chartered
  • Yes Bank
  • Kotak Bank

Axis Bank Lifetime Free Credit Card:-

There are three-lifetime free  credit cards provided by the Axis bank:

  1. Insta easy credit card
  2. Axis bank select credit card
  3. My zone easy credit card

Benefits of Axis bank Insta easy lifetime free credit card:-

  • Cash withdrawal limit depends on the cardholder credit limit
  • Axis bank Insta easy credit card offers 15% discount on their partner restaurants
  • Avail 1% fuel surcharge waiver
  • Cardholders can set their own limit with up to 80% of your Fixed Deposit’s principal value

Benefits of Axis bank select lifetime free credit card:-

  • Axis bank select lifetime free credit card offers up to Rs 2.50 crore air accidental cover
  • 20% discount on their partner restaurants
  • On first credit card transaction, cardholders get 5,000 Axis eDGE reward points
  • On fuel transaction between Rs 400 to 4,000 cardholders get 1% waiver

Benefits of My zone easy lifetime free credit card:-

  • On ticket purchase from online or box office user get 25% cashback
  • The cash withdrawal limit depends on the credit card limit
  • 1% fuel surcharge waiver
  • Cardholders enjoy 15% off at partner restaurants
Fees and charges of axis bank lifetime free credit card:-
Types of charges charges
Annual Nil
Renewal Fee Nil
Balance Enquiry Charges Nil

State Bank Of India Lifetime Free Credit Card:-

There are three types of lifetime free credit card provided by the state bank of India:-

  1. Unnati SBI credit card
  2. Simply save SBI credit card
  3. Simply click SBI credit card

Benefits of Unnati SBI lifetime free credit card:-

  • This is a good option for saving a good amount of money when paying for other cards through credit card balance transfer
  • It offers low interest and EMI options on balance transfer facility
  • Rs 500 will be cashback on spending Rs 50,000 0r more through this credit card

Benefits of Simply save SBI lifetime free credit card:-

  • If a cardholder does a cash withdrawal through ATM withing one month of receiving the credit card then Rs 100 will be cashback
  • This card gives 2.5% value back
  • This card gives accelerated 10x rewards to the holder if rupees 100 is spent on grocery and departmental store, dining, and movies.

Benefits of Simply click SBI lifetime free credit card:-

  • The fee for the card is low.
  • This card has a contactless technology
  • Cardholder get a waiver on fuel surcharges
  • It offers 5x rewards on spending e-commerce site
ICICI Bank Lifetime Free Credit Card:-

There are three types of the card provided by the ICICI bank.

  1. HPCL Coral ICICI Bank Credit Card
  2. Instant Platinum ICICI Credit Card
  3. Chip Platinum ICICI Credit Card

Benefits of HPCL Coral ICICI Bank lifetime free credit card:-

  • This card has an inbuilt chip that keeps it secure.
  • This card offers a grace period of 18 days to 48 days
  • On the fuel purchase of Rs 500 or above from any HPCL petrol pump, this card gives Rs 100 cashback

Benefits of Instant Platinum ICICI Bank lifetime free credit card:-

  • The Instant platinum card has a zero annual fee but for availing this offer there is a condition is for this that cardholder have to open a fixed deposit with the bank.
  • This card has a facility of global emergency service support to the cardholders
  • The reward points that a cardholder gets can be used to buy amazing gifts.

Benefits of Chip Platinum ICICI Bank lifetime free credit card:-

  • This credit card can be used at any ATM in the world
  • This card has a facility of global emergency service support and replacement service support in which in case of card lost the card will be locked and it will be replaced by a new card that will sent to the cardholder
  • The reward points that a cardholder gets can be used to buy amazing gifts but there is a condition you can buy the gift from the ICICI tie-ups only.

HDFC Bank Lifetime Free Credit Card:-

  1. HDFC Bharat Cashback Credit Card
  2. HDFC Freedom Credit Card
  3. HDFC Times Titanium Credit Card
  4. Snapdeal HDFC Bank Credit Card
  5. HDFC MoneyBack Credit Card

Benefits of HDFC Bharat Cashback lifetime free credit card:-

  • Cardholders can avail 5% cashback on groceries, fuel, utility bill payment and recharges
  • Cardholders get 1% fuel surcharge waiver at all petrol pump
  • This card has a 50 days interest-free period

Benefits of HDFC Freedom Cashback lifetime free credit card:-

  • Cardholders get shopping voucher worth Rs 1000 on spending Rs 90,000 in a year
  • This card offers the annual fee waiver on spending Rs 60,000
  • Cardholders earn 1 reward point on every spent of Rs 100
  • Get 5-times more points on movies, groceries, dining, railways and taxi spends
  • Cardholder can earn 25x points by using their card on their birthday
  • Avail 1% convenience fee waiver with the maximum waiver capped at Rs. 250

Benefits of HDFC Times Titanium Cashback lifetime free credit card:-

  • Cardholders get 25% off on movie ticket booking and 15% off on dining
  • When cardholder spend Rs 150 they get 2 reward point
  • Get convenience fee waiver of 1%
  • On making 4 transactions in a month cardholders get free accidental death insurance up to Rs. 50 Lakh and free fire and burglary insurance for up to Rs. 5,000 for 180 days

Benefits of Snapdeal HDFC lifetime free credit card:-

  • This credit card offers 2 reward points on every spent of Rs 100
  • Cardholders get a welcome gift as Snapdeal shopping voucher worth Rs 2000 Snapdeal shopping voucher with 500 bonus reward points
  • User can avail 5% instant discount on shopping at Snapdeal
  • On making minimum 4 transactions in a month, get free insurance cover up to Rs. 50 Lakh and fire and burglary insurance worth Rs. 5,000 for 180 days
  • Enjoy 1% convenience fee waiver across all fuel stations

Benefits of HDFC MoneyBack lifetime free credit card:-

  • User can earn 2 reward points on every rs 150 spent
  • Redeem accumulated rewards as cashback into the credit card statement (100 reward points = Rs. 20 cashback)
  • Get Rs. 500 e-voucher on spending Rs. 50,000 in a year
  • On making at least 4 transactions in a month, get complimentary accidental death insurance up to Rs. 50 Lakh and fire and burglary protection above Rs. 5,000 for 180 days
  • Avail 1% fuel surcharge waiver across all fuel stations on a minimum transaction of Rs. 400

IndusInd Bank Lifetime Free Credit Card:-

Benefits of IndusInd platinum lifetime free credit card:-

  • Cardholders get a facility of free golf lesson from qualified instructors at select golf clubs in India.
  • The user gets travel benefits like exclusive booking, hotel reservation and other services.
  • The user gets a complimentary priority pass membership that provides access to more than 700 airport lounges across the globe
  • Auto Assist that provides round the clock assistance for all roadside assistance.
  • Enjoy 1% fuel surcharge waiver at all petrol pumps across the country.

Yes Bank Bank Lifetime Free Credit Card:-

  1. Yes bank prosperity edge
  2. Yes bank prosperity reward credit card
  3. Yes first prefered

Benefits of yes bank prosperity edge lifetime free credit card:-

  • When users spent Rs 100 on birthday, online or international purchase they get 6 reward points
  • Users get 12 complimentary golf lesson per year at select golf courses in India
  • Cardholders get a free membership at airport priority pass program and 2 free lounge visits per quarter to domestic airports.
  • This card offers free insurance coverage up to Rs 65 lakh to its primary members
  • This card gives a discount on the interest rate and preferential foreign currency mark-up fee.

Benefits of Yes bank prosperity reward lifetime free credit card:-

  • On every Rs.100 spent which is made on  birthday, online, and international purchases user get 5 reward points
  • This card offers insurance for in case of accidental death coverage to the primary members
  • This card gives a discount on the interest rate and preferential foreign currency mark-up fee.
  • User get 1% fuel surcharge waiver at all petrol stations across India

Benefits of Yes bank prosperity reward lifetime free credit card:-

  • This card offers free airport lounge visits per year with complimentary Priority Pass Membership
  • Users get 1 complimentary golf lesson per year at select golf courses in India
  • On movie ticket booking at BookMyShow user get 25% off
  • Primary user get life insurance cover worth Rs.1 Crore
  • 24X7 concierge services that provide assistance for car rental booking, hotel reservations, restaurant referrals, gift delivery, etc.

How to apply for lifetime free credit card?

  • Visit https://www.bankagent.in/
  • Search for lifetime free credit card
  • Select the bank which credit card you want
  • After selecting the bank click on the apply now button of the credit card which bank you have selected
  • Fill the form with all information
  • Now submit the form with the documents

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