How to Find India’s Best Lifetime-Free Credit Cards in 2024

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Opting for a lifetime-free credit card in India is the easiest way to start your credit card journey. A lifetime credit card will not impose any additional charges on your monthly budget and will offer you perks for using it. When looking for the best lifetime-free credit card, you must consider several factors, such as if it suits your lifestyle and help you maximise savings.

Basics of Lifetime-Free Credit Cards

To begin with, your lifetime-free credit card can work as a safety net, which will not incur any additional fees. While many credit cards come with a hefty fee, a lifetime-free credit card can be easy on your pocket. 

This is a perfect solution for those who are looking to save on costs while using a credit card. Here’s a brief glimpse of the features of a regular lifetime-free credit card in India :

  • Zero annual fees
  • Added security features
  • Rewards and discounts
  • Can improves credit score
  • Offers EMI conversion 
  • Gives access to cash advance 

Some of India’s Best Lifetime-Free Credit Cards in 2024

The following list contains the 15 lifetime-free credit cards and their perks. You can pick the one that works best for you:

Lifetime-free Credit Cards in India Perks and Benefits
HSBC Visa Platinum Credit Card
  • Convert reward points into air miles with leading airlines, like British Airways etc.
  • Get a yearly discount of ₹3000 on fuel 
Aspire Platinum Credit Card (IDBI Bank)
  • Earn reward points on all spending
  • No liability for a lost card if reported within 24 hours

AU LIT Credit Card

  • Earn 5X reward points on domestic retail transactions
  • Earn 10X reward points on international retail transactions
Axis Bank ACE Credit Card
  • Enjoy 5% cashback on bill payment on Google Pay and 1.5% on other spending 
  • Get 4 annual complimentary lounge access 
Amazon Pay ICICI Credit Card
  • Receive up to 5% cashback on shopping on Amazon 
  • Get exclusive dining benefits
Dhanlaxmi Bank Platinum Credit Card
  • Up to 5% cashback on purchases at supermarket and departmental store
  • Enjoy Complimentary Airport Lounge access and global customer assistance 

Federal Bank Scapia Credit Card

  • Get 10% rewards on all online and offline spending
  • Enjoy unlimited lounge access, complimentary dining, and more on spending ₹10,000 monthly
ICICI Bank Platinum Chip Credit Card
  • Earn 2 reward points on every transaction worth ₹100
  • Avail great deals at partner hotels, restaurants and retail shops
IDFC FIRST Select Credit Card
  • Receive 5% cashback on first EMI transactions
  • Enjoy free access to lounges at domestic airports

IndusInd Platinum Credit Card

  • Earn 1.5 reward points on every ₹150 spent on UPI
  • Enjoy a fuel surcharge waiver
Kotak 811 #DreamDifferent Credit Card
  • Earn 4 reward points for every ₹100 spent online
  • Allows withdrawal of up to 90% of the credit limit
Legend Credit Card (IndusInd Bank)
  • Receive 4.000 reward points on spending ₹6 lakh in a year
  • Get first-year membership to EazyDiner complimentary
One Credit Card
  • Receive 5X reward points on your top 2 spend categories every month
  • No-cost EMI benefits and exclusive deals for accelerated savings 

RBL Bank BankBazaar SaveMax Credit Card

  • Earn 10% cashback on BookMyShow and Zomato transactions
  • Receive 5X reward points on grocery transactions 

Disclaimer: The above-mentioned features and fees are subject to change as per the issuers’ policies. 

Eligibility Criteria for Lifetime-Free Credit Cards

After shortlisting a few cards, proceed to the next step, which is checking the eligibility criteria. Here, you will find a general overview of the eligibility criteria required for a lifetime-free credit card in India.

Criterion Requirement
Age 18 years old and above
Nationality Indian citizen
Income A stable income source or meet the minimum limit set
Credit score 750+ (for most credit card issuers)

How to Apply for a Lifetime-Free Credit Card

Once you’ve understood and met the eligibility criteria for the credit card you want to apply for, the next step is to decide which application process works best for you: the offline process or the online application process.

Online Application Process

The online process allows you to apply for a credit card from the comfort of your home or office using the bank’s website or mobile app. The steps are as follows:

  • Look for a credit card that aligns with your lifestyle
  • Check your eligibility
  • Get your documents ready
  • Visit the credit card website or download the app and fill out the form
  • Submit your documents
  • Complete the verification process
  • Get your credit card on approval

Offline Application Process

In an offline application, you need to visit the bank’s branch or contact a representative to apply for a credit card. The steps are as follows:

  • Find the credit card you want to apply for
  • Check your eligibility
  • Get the mandated documents ready
  • Visit a nearby branch of the issuing bank of your credit card
  • Ask for the credit card application form and fill it out
  • Submit your documents
  • Recheck the form before submitting
  • Get the credit card delivered to your registered address

After you receive your credit card, it is essential that you work on your financial goals and manage your credit card well. If you want to track every transaction minutely, then a powerful credit card app is required. The One Credit Card comes with a powerful app, the OneCard App, which makes it easier for you to track your monthly expenses.

Starting from finding the best offers near you with a GPS tracker to getting 5X reward points on your top two spending categories, this credit card can be a useful tool. To get started, apply now.

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