LifeTime Free Credit Cards: Most Popular and Used Credit Cards
Lifetime free credit cards are those credit cards that do not charge any joining fee or annual maintenance fee. However, you get the benefits of a credit card like rewards, cashback, or EMI options without paying to keep the card active year after year.
The benefits of lifetime free credit cards are listed below.
- No annual or renewal fees, not even in the second year.
- Basic rewards or cashback on spending.
- Credit-building potential if used responsibly.
- EMI and utility bill payment options, just like paid cards.
The lifetime free credit cards are suitable for first-time credit card users, people who want to keep their credit utilization low across multiple cards, and anyone who wants benefits without hidden fees.
The popular lifetime free credit cards in India are listed below.
India’s Popular Lifetime Free Credit Cards
HSBC Platinum Credit Card
Features and Benefits:
- Lifetime FREE Credit Card – No Joining/Annual Fee
- Earn 2 Reward points for every Rs 150 spent
- Unlock 5X Reward points: 10 Reward points per Rs 150 spent on any purchases exceeding Rs 4,00,000 annually
- Redeem your Reward points for Air miles on InterMiles, British Airways, and Singapore Airlines
- Buy 1 Get 1 FREE offer on the BookMyShow mobile App
RBL Bank Shoprite Credit Card
Features and Benefits:
- Welcome Benefit: Earn 2,000 reward points
- Grocery Rewards: Receive 20 reward points for every ₹100 spent on grocery purchases
- Movie Ticket Discounts: Enjoy a 10% discount (up to ₹100) on movie tickets booked through BookMyShow
- Fuel Surcharge Waiver: For transactions between ₹500 and ₹4,000, with a maximum monthly waiver of ₹100
- Annual Fee Waiver: Waive the annual fee of ₹500 by spending ₹1.5 lakh or more in a year.
IDFC FIRST Select Credit Card
Features and Benefits:
- Lifetime FREE – No joining or Annual Fee
- Reward Points NEVER Expire – Unique Feature
- No interest on ATM withdrawals for 48 days
- Up to 10X Reward Points on your spending
- Rs 500 Gift Voucher on spending Rs 15,000 in the first 90 days
- 4 Complimentary Domestic Airport Lounge visits per quarter
Axis My Zone Credit Card
Features and Benefits:
- Annual changes– ₹500 + GST
- Buy 1 Get 1 Free On Movie Tickets
- Enjoy a SonyLiv Premium annual subscription worth Rs 1499 for FREE
- Get upto 15% discounts at partner restaurants.
- Get 1 complimentary domestic lounge access per quarter with a Rs 50,000 spend in the past three months.
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