Top 10 Lifetime Free Credit Cards in India 2022- See list

Paying the annual maintenance charge for your existing credit cards may be frustrating. To solve this inconvenience, financial institutions now offer lifetime free credit cards. By obtaining it, you can not only dodge your obligations to pay the annual fee but can also leverage several additional benefits. The lifetime free credit cards let you enjoy cash back, discounts, and various lifestyle benefits. This is why you must be fully aware of the best options available in the market while applying for one such card.

Contents

1 Best 10 Lifetime Free Credit Cards Available in India
2 Advantages of Lifetime Free Credit Cards
3 Application Process for a Lifetime Free Credit Cards
4 Documents Required While Applying for a Lifetime Free Credit Card

Best 10 Lifetime Free Credit Cards Available in India

Here are the top 10 lifetime free credit cards in India, along with the benefits they offer:

Cards	Benefits
Axis Bank Select Credit Card	Amazon voucher of Rs. 2,000 on your first-time purchase 40% discount on food delivery from Swiggy 6 times access to airport lounge 20% discount on BigBasket
Amazon Pay ICICI Bank Credit Card	5% cash back on your purchase from Amazon if you are a Prime member and 3% cash back if you are not a Prime member Cash back offers when you purchase from other partnered stores
SBI Card Unnati	1% waiver on fuel surcharge Cash backs on spending Reward points
IndusInd Bank Platinum Card	Buy one get one offer on movie tickets purchased from BookMyShow Reward points Comprehensive insurance
Axis Insta Easy Credit Card	Free credit for up to 50 days High amount of cash withdrawal Waiver on fuel surcharge
HSBC Visa Platinum Card	Amazon voucher of Rs. 5,000 Easy conversion of your EMIs for purchase above Rs. 2,000 Discount on your spending in more than 1000 restaurants
ICICI Bank Platinum Chip Credit Card	Every Rs. 100 spent through this card come with 2x reward points Discounts on dining and food delivery Waiver on fuel surcharge
Kotak Fortune Gold Credit Card	A milestone programme offering 1 Indigo flight ticket or 4 PVR tickets No interest rate on the amount utilised within 48 days Free add-on credit cards
IDFC FIRST Select Credit Card	Coverage for the personal accident for up to Rs. 10 lakh Gift voucher of Rs. 500 on your spending of Rs. 15,000 in the first 3 months Complimentary golf and lounge access
Bank of Baroda Prime Credit Card	Every Rs. 100 spent through this card come with 2x reward points Waiver on fuel surcharge Personal accident cover

Advantages of Lifetime Free Credit Cards

Here are some of the must-know features of these credit cards:

Zero Annual Fee

One of the major advantages of this card is that you do not need to pay any annual charges to your financial institution. This way, once you avail of this card, you do not need to bother about paying fees towards its maintenance.

Easy Approval

The eligibility standards for a lifetime free credit card are generally lenient. You do not need a higher income to get it from the issuer. As a result, the financial institutions approve your request for the card quickly without much hesitation.

Rewards

The card issuers also let you enjoy cash back offers and special rewards on the selected category of items. The rate of discounts varies according to your invoice amount.

Lifestyle Benefits

Most financial institutions also let you access airport lounges or obtain dining, food delivery and online shopping at discounts. Some of them also offer free of cost movie tickets. So, while choosing a credit card issuer, you need to consider checking these lifestyle benefits to get the most out of your card.

Application Process for a Lifetime Free Credit Cards

Following is the step-by-step process to apply for the instant credit card:

Step 1: Visit the official website of your selected financial institution offering the card

Step 2: Go to the section for lifetime free credit card

Step 3: Read the eligibility standards and click on ‘Apply Now’ if you meet all the parameters

Step 4: Provide personal and income details

Step 5: Attach necessary documents such as salary slip

Step 6: Submit your filled-in application form

After this, you will successfully complete your application process for this type of credit card.

Eligibility Standards for Lifetime Free Credit Card

Here are the basic eligibility parameters for the no-annual fee credit card:

Age: 21 to 60 years
Employment: Both self-employed and salaried individuals are eligible

Documents Required While Applying for a Lifetime Free Credit Card

Following are some of the documents you need to submit while applying for the instant credit card:

Address Proof: Passport, Aadhaar card, driving licence, electricity bill, etc.
Identity Proof: PAN card, Aadhaar card, etc.
Income Proof: ITR documents, salary slips, bank statements, etc.

To conclude, a lifetime free credit card can be one of the best solutions if paying an annual fee is a troublesome affair for you. Card issuers also provide various additional benefits on top of this facility. So, you need to select one of these cards after carefully comparing all the benefits you can enjoy from it.

Last Updated on 5 months by Hari