Top 5 Lifetime Free Credit Cards In India | Zero Annual & Joining Fees

Best Lifetime Free Credit Card, Top 5 Lifetime Free Credit Cards: Hello Everyone today we will discuss about the best value-for-money credit card for you available in India. At the current time, everyone wants a lifetime free credit card with maximum benefits. So in this post, we will cover some best credit cards for you.

In India many credit cards are free but 95% of credit cards don’t provide any value they just increase your credit card number count. After doing months of research we found some valuable credit cards with Zero Annual & Joining Fees.

HDFC Tataneu lifetime free credit card

HDFC offering a TataNeu co-branded Lifetime Free Credit Card for everyone which comes with 4 airport lounge access in the year, and 10% cashback for all transactions done on the Tataneu app.

Get a 10%  extra discount on BigBasket if you shop between the 1st to 7th date of the month and get a 10% Tataneu coin also if you place an order on BB by using Tataneu.

One biggest plus points of this card because HDFC gives a RUPAY variant card also if you select RUPAY at the time of applying card then you can use the card for UPI transactions and get 1.5% cashback for all UPI transactions.

Full Article About: HDFC Tataneu Credit Card

Axis Kiwi Lifetime Free Credit Card

Kiwi is also a co-branded credit card of Axis Bank this card was launched by focusing on the UPI segment of everyone using UPI for making payments by using this card you can make payments to merchants through the scan and pay method and get 1% cashback of every transaction.

Currently, Kiwi offering a Lifetime Free credit card that’s why we added this card to this list because he offers only virtual credit cards and no physical cards so you don’t get any lounge access but if you doing lots of UPI transactions then it best card for you.

Full Article About: Axis Kiwi RUPAY Credit Card

Au LIT Lifetime Free Credit Card

Au LIT credit card is one most customizable credit cards offered by AU Small Finance Bank. AU LIT is a lifetime free credit card. However, you can choose features starting from ₹49 to ₹499 to earn rewards, cashback, and etc benefits on this card.

Au LIT credit card giving 4 airport lounge access in one year. this card offers an attractive cashback category and a fuel surcharge waived.

Induslnd Lifetime Free Credit Card

Induslnd Bank also offers Lifetime free credit cards to their users. Induslnd Aura Edge is a lifetime free credit card by using this card you will get 8X reward points on selected merchant’s payments, and the fuel surcharge is waived off.

If you don’t have an Induslnd bank credit card you can apply for this card because sometimes you will get a 10% instant discount on Amazon and Flipkart in festival sale offers and this card comes up with zero renewable fees so you need to pay any extra charge for this card.

Kotak League Platinum Lifetime Free Credit Card

Currently in India festival month is running and Amazon and Flipkart offer a good amount of discount on Kotak Mahindra credit cards you must need a Kotak credit card to get discounts on products on Flipkart and every year you need a Kotak Mahindra credit card.

Kotak League Platinum credit card is available lifetime free for everyone by using this you can Do UPI transactions it also comes in with RUPAY variants so you can do scan and pay transactions by using this app.

You will get a for reward completing milestones on this credit card. If you spend 1,25,000 in 6 months you will get 4 free PVR tickets or 10,000 reward points and 8 reward points on every ₹150 spent.

ICICI Amazon Pay Lifetime Free Credit Card

ICICI Amazon pays one of the best lifetime free credit cards available in India. If you are a prime user you will get 5% cashback for every transaction done on the Amazon app excluding Bill payments and non-prime users get 3% cashback for every transaction done on Amazon for bill payments you will 2% cashback if you are a prime user and 1% cashback for all online and offline transactions.

It is the most valuable credit card with zero annual and joining fees at the current time. So don’t forget to apply for this card because this card is valid for all offers available for ICICI Card.

IDFC First Bank Lifetime Free Credit Card

IDFC first bank also entered in credit card market and launched much attractive credit with zero joining and annual fees. Currently, IDFC issues all credit cards as Lifetime Free to gain marketing percent in the credit card industry.

Currently, you have the option available for getting an IDFC first credit card as LTF. This time he offers too many things with their credit card free of cost such as railway lounge access, 0% interest on cash withdrawal, discount on movie tickets, etc.

In IDFC credit card RUPAY variants option is also available for customers if you choose the rupay variant card you can avail of all rupay card benefits such as Scan and pay, Special discounts, and many more

SBI Simplyclick Lifetime Free Credit Card

SBI doesn’t offer any lifetime free credit but we added it to this list because he credit card with a starting price of ₹499 is to good reward as compared to joining fees which are waived if you spend 1,00,000 in  One financial year.

You will be rewarded 5X reward points for every 100 spent and 10X reward points for exclusive merchants if you spend more than 2 Lakh in one year you will receive 2,000 shopping vouchers.

The value of 1 reward point is 25 paisa which means you receive 1.25% cashback for every transaction you complete through SBI simplyclick Card.

Conclusion

If you’re searching lifetime credit card then these all cards are best for you. This card provides the best value with zero joining and annual fee because if you are not spending with these cards you don’t need to pay any charges so apply for all these cards and get the benefits of these cards.

According to me HDFC Tataneu and SBI Smiplclick is the best credit card for newbie credit card users.

you can also consider a Onecard FD-based credit card as entry-level if you don’t have any cibil history that helps in your creating credit cibil score. After you garb unsecured credit card.