10 Best Lifetime Free Credit Cards Overview: Credit cards are now considered as very essential in the financial market and available benefits range from cash back and rewards among others. However, annual membership fees decrease the value of most credit cards. This is where lifetime free credit cards come into play, offering all the advantages without any recurring charges. In this blog, I will discuss the 10 top lifetime free credit cards in India with the emphasis on the usefulness of cards.
Choosing the perfect credit card is not an easy task. Here is a list of the 10 best lifetime free credit cards to help you find the perfect one for you.
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Top 10 Lifetime Free Credit Cards in India 2024
Here is the list of top 10 best Credit Cards in India 2024.
You will find all the information regarding the 10 Best Lifetime Free Credit Cards in India for 2024 in the following table, which states the rank of each card.
| #Rank | Card Name |
|---|---|
| 1 | ICICI Amazon Pay Credit Card |
| 2 | IDFC First WOW Credit Card |
| 3 | ICICI Platinum Credit Card |
| 4 | Kotak 811 #DreamDifferent Credit Card |
| 5 | OneCard Metal Credit Card |
| 6 | RBL Bank ShopRite Credit Card |
| 7 | AU Bank LIT Credit Card |
| 8 | Federal Bank Celesta Credit Card |
| 9 | IndusInd Bank Legend Credit Card |
| 10 | Jupiter Edge Credit Card |
1. ICICI Amazon Pay Credit Card
For the most enthusiastic shoppers who buy items on Amazon regularly, they can apply for the ICICI Amazon Pay Credit Card. Being a co-branded card by ICICI Bank, and Amazon it offers a substantial discount on the items bought from Amazon.
Features and Benefits:
• Amazon Rewards: Get up to 5% cashback for purchases made through the Amazon store for Prime members and 3% for non-members. Further, you earn 2% cashback on your purchase with Amazon Pay merchant partners and 1% on all other purchases.
• No Cost EMI: Get no-cost EMI on Amazon India, which can make buying a large amount of products less stressful.
• Fuel Surcharge Waiver: On fuel, the card gives an additional 1% discount on fuel across India, making your saving even bigger.
• Contactless Payments: This card is contactless and you can make payment in a few moments.
Why Choose It?
For people who shop at Amazon often and therefore, use Amazon Pay, this card can offer great cashback rewards with no annual fee.
2. IDFC First WOW Credit Card
The IDFC First WOW Credit Card is an all-rounded card that is suited for many users main areas of spending such as food, travel and retail.
Features and Benefits:
• Reward Points: Collect reward points for every dollar spent, which is twice the points for all food & drink purchases, and all orders placed through the internet. They do not have an expiry date hence, you can use them when you wish to.
• Interest-Free Credit Period: It gives you up to 48 days interest free credit that is better than most credit card companies.
• Fuel Surcharge Waiver: Enjoy 1% discount on fuel surcharge all the fuel stations in India.
• Welcome Benefits: The card comes with good welcome incentives such vouchers and discounts from some of the popular brands.
Why Choose It?
The IDFC First WOW Credit Card is ideal for those in search of an all-rounded credit card with a diverse list of bonus categories, on the back of no annual fees.
3. ICICI Platinum Credit Card
The ICICI Platinum Credit Card is offers customers with the basic features without the elaborate freebies which come with some credit cards.
Features and Benefits:
• Reward Points: Get 2 reward points for every ₹100 spent in sales which can be utilised to avail varied offers like gift vouchers or travel bookings.
• Fuel Surcharge Waiver: An initially soothing proposal of abolishing a 1% fuel surcharge across all the petrol pumps in India.
• Visa Offers: It is a Visa card that offers you special discounts in restaurants, accommodation, and other stores.
• Personal Concierge: Reservation of services through a personal concierge service available to the clients at any time.
Why Choose this LTF Card?
The ICICI Platinum Credit Card is the best choice for customers who look for a simple but effective credit card that offers some additional privileges such as rewards points, and fuel discounts.
4. Kotak 811 #DreamDifferent LTF Credit Card
Kotak 811 #DreamDifferent Credit Card is billed as a new-age card without being a cash back card and is targeted at the digital generation.
Features and Benefits:
• Reward Points: Get reward points with every transaction and additional points for spending on specific categories such as restaurants and movies.
• Low Forex Markup: The forex markup fee is slightly below average, which makes this card ideal for people who travel often.
• Personalized Offers: Receive points and rewards best suited for your spending behaviour to make them worth it.
• Easy Eligibility: This card has a lower application criteria as this is suitable to all those first timers seeking to apply for any credit card.
Why Choose It?
The Kotak 811 #DreamDifferent is best for those who want a simple, internet-only credit card that offers rewards on purchases in various categories.
5. OneCard Metal LTF Credit Card
The OneCard Metal Credit Card is the second plastic card that has a metal construction and no annual fee for users while looking very classy.
Features and Benefits:
• 5X Rewards: Receive 5X bonus points for your two highest spending categories to make sure that you receive the most amount of rewards for the things you use the most.
• App-Based Management: Completely control your card through our user-friendly app that allows you to track your spending, rewards, and card preferences.
• Instant Issuance: The virtual card comes in handy immediately once approval is granted, thanks to cash back benefits.
• Zero Forex Markup: Zero foreign exchange markup on all international transactions is possible and it asserts the lifetime free card segment again.
Why Choose It?
If you are a fan of stylish Metal Credit Card with benefits and want to gain total control over the OneCard application – this is what you need.
6. AU Bank LIT Credit Card
The AU Bank LIT Credit Card is a type of credit card that lets you decide what comes with the card, which you consider most important.
Features and Benefits:
• Customizable Rewards: Select bonuses and incentives in cash back, points or travel depending on your lifestyle.
• Lifetime Free: The annual and joining fees do not apply to this card, ensuring that the card is cost efficient when used for the long-run.
• Fuel Surcharge Waiver: Avail 1%Fuel surcharge reversal on total fueling, which includes all the fuel stations of India.
• Instant Issuance: Apply for the card get it approved and obtain it within minutes via an online method.
Why Choose It?
The AU Bank LIT Credit Card is recommended to clients who may need a card that is a bit versatile from time to time, and it does not have any annual fees.
7. RBL Bank ShopRite Credit Card
The RBL Bank ShopRite Credit Card can be considered as the perfect credit card for a shopper as it provides attractive offers within numerous categories of shops.
Features and Benefits:
• Reward Points: Get 10 points on grocery purchases over ₹100 and 1 point for other spend over ₹100.
• Fuel Surcharge Waiver: A 1% fuel transactions rebates in various fuel stations across India.
• Welcome Gift: Issuance of the card comes with a welcome gift voucher which has an immediate appeal.
• Dining Discounts: Avail of special offers at partner restaurants all over India to make dining out more affordable.
Why Choose It?
If you are an active shopper or mostly a groceries buyer, then the RBL Bank ShopRite Credit Card is worth using as it has no annual charges and good saving and reward benefits.
8. Federal Bank Celesta Credit Card
The Federal Bank Celesta Credit Card is a high end card that provides a host of features and privileges for users under travel, dining, and shopping categories.
Features and Benefits:
• Reward Points: Get even more points on flights and hotel bookings, restaurants, and all Foreign transactions.
• Lounge Access: Access to airport domestic lounges, making your journey more comfortable.
• Insurance Coverage: The card provides insurance benefits such as air accident insurance and purchase protection insurance.
• Concierge Services: Accommodation concierge services are online 24/7 and can help with bookings, planning an event, etc.
Why Choose It?
The Federal Bank Celesta Credit Card is suitable especially for those who would like to indulge in services in the field of travel and lifestyle without costing them an annual fee.
9. IndusInd Bank Legend Credit Card
IndusInd Bank Legend Credit Card is designed specifically for those users who want to get the luxury and premium services, using credit card without any annual fee.
Features and Benefits:
• Lifestyle Benefits: Lifestyle perks include use of a golf course, restaurant deals, and retail rebates on premium brands.
• Reward Points: Collect your rewards points with every purchase made with no restrictions on how many you can earn.
• Travel Insurance: Free travel insurance including missed flight connections, lost baggage, etc.
• Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver across all the petrol stations in India.
Why Choose It?
If glamour and high-class services are what you are looking for, IndusInd Bank has a Legend Credit Card, for which there is no fee to pay, in the first place.
10. Jupiter Edge Credit Card
The Jupiter Edge Credit Card is comparatively new to the market but has many advantages and it is associated with the digital age.
Features and Benefits:
• Real-Time Rewards: Reward earning in real-time across every transaction and instant redemption through the app features.
• Low Forex Markup: A low markup fee in relation to other foreign currencies makes this card ideal for use when travelling.
• Personalized Offers: Get reward programs that are closer to your spending habits so that you will benefit most from them.
• Seamless Integration: Designed to be used with your Jupiter savings account, it can be effortlessly incorporated for convenient banking.
Why Choose This LTF Credit Card?
The Jupiter Edge Credit Card is ideal for cardholders who would love to embrace, receive and activate credit card privileges online in real time without having to worry of annual fees.
Conclusion
Selecting the right credit card can greatly improve your monetary experience, especially when the card comes with lifetime free perks. Each of the ten cards described above has its benefits: from earning cash back for purchases on Amazon to top-tier travel rewards and the flexibility of the program. Based on your spending behavior and choice, the options of credit cards can be chosen that fits well into your lifestyle instead of paying for an Annual Fee.
Ranjan Kumar Jena