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 |
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Aspire Platinum Credit Card (IDBI Bank) |
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AU LIT Credit Card |
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Axis Bank ACE Credit Card |
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Amazon Pay ICICI Credit Card |
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Dhanlaxmi Bank Platinum Credit Card |
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Federal Bank Scapia Credit Card |
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ICICI Bank Platinum Chip Credit Card |
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IDFC FIRST Select Credit Card |
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IndusInd Platinum Credit Card |
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Kotak 811 #DreamDifferent Credit Card |
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Legend Credit Card (IndusInd Bank) |
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One Credit Card |
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RBL Bank BankBazaar SaveMax Credit Card |
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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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