Lifetime Free Credit Cards in India: Benefits, List, and Eligibility

Lifetime free credit cards in India offer a variety of benefits, including no annual fee, a fuel surcharge waiver, discounts on shopping, dining, and entertainment, and welcome bonuses.

A lifetime free credit card is one that does not impose an annual fee. They may charge a price for supplementary services such as a physical copy of the itemised bill, or they may have specific criteria for receiving the card, but there is no annual or joining cost. We have analysed some of the most crucial lifetime free credit cards available in India for you to pick from.

It’s Important to note that while these credit cards may offer no annual fee or joining fee, they may have certain conditions or eligibility criteria. Always check the terms and conditions, reward programs, and other features before applying for any credit card to ensure it aligns with your needs and preferences.

Lifetime Free Credit Card Benefits India

• These are free cards for life, and users are not required to pay an annual fee to utilise any of its services.
• By waiving the 1.00% fuel fee, it ensures cost savings in gasoline transactions.
• Benefits include airport lounge access, discounts on shopping, eating, or food delivery, movie tickets, and so on.
• These cards also provide welcome bonuses like as bonus reward points, vouchers, OTT subscriptions, and a variety of other perks.
• The income criterion for these cards is extremely low.
• Because the qualifying requirements for these cards are straightforward, applications are approved quickly.

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Lifetime Free Credit Card List

In India, several banks and financial institutions offer credit cards with no annual fee or joining fee. These “free” credit cards come with various benefits and features. Here are a few examples of free credit cards in India:

1. SBI SimplySAVE Credit Card
   • No annual fee for the first 4 years.
   • Earn 10x rewards on dining, groceries, and departmental store purchases.
   • Enjoy a 1% fuel surcharge waiver at all petrol pumps.
2. HDFC MoneyBack Credit Card
   • No annual fee.
   • Earn 2 reward points for every Rs. 150 spent.
   • Get 4 reward points for every Rs. 150 spent online.
   • Redeem reward points for cashback or gifts.
3. ICICI Bank Platinum Chip Credit Card
   • No annual fee.
   • Earn PAYBACK points on every purchase.
   • Avail discounts on movies, dining, and shopping.
4. Axis Bank Insta Easy Credit Card
   • No joining fee or annual fee.
   • Earn eDGE Loyalty rewards on all purchases.
   • Open to both salaried and self-employed individuals.
5. Citibank IndianOil Platinum Credit Card
   • No annual fee.
   • Spend Rs. 150 on fuel at authorized IndianOil outlets to earn Turbo Points.
   • Redeem Turbo Points for free fuel.
6. Standard Chartered Manhattan Platinum Credit Card
   • No annual fee.
   • Earn 5% cashback on supermarket and department store expenses.
   • Get up to 20% cashback at partner restaurants.

Lifetime free credit cards apply online

Steps for applying for a free lifetime credit card online:

1. Visit the Bank’s Website: Go to the website of the bank or financial institution offering the credit card you want.
2. Find the Credit Card Section: Look for the section related to credit cards on the website and click on the “Apply Now” button for the lifetime free credit card.
3. Complete the Online Form: Fill out the online application form with your personal and financial details.
4. Upload Required Documents: If needed, upload necessary documents like your PAN card, Aadhaar card, and income proof.
5. Review Terms and Conditions: Take a moment to read and understand the credit card’s terms and conditions. Then, click “Submit” to send your application.
6. Wait for Approval: After submission, the bank or financial institution will review your application. If approved, you’ll receive your credit card by mail in a few days.

Following these steps will make it easier to apply for a lifetime free credit card online.