Plastic money has always been a great way to tame your urgent requirements, but it is also important to take care of your finances. When you are applying for a lifetime-free credit card, details like your age and credit score will be assessed. However, this is a common process for all credit cards.
To take advantage of all the benefits, you need to pick a credit card that agrees with your lifestyle. If you are a beginner, then you should consider learning more about the fundamentals of a credit card and judge factors while choosing yours.
Fundamentals of Lifetime-Free Credit Card
The basics of a lifetime-free credit card are simple: you do not have to pay any maintenance charges to use this card. There are many lifetime credit cards available in the market and each of them has something unique to offer. So, all you have to do is go through their catalogue and understand whether you will need those features or not.
10 Best Lifetime Free Credit Cards
Here, you will find 10 incredibly popular lifetime-free credit card details and what they are best for. Based on your requirements, you can pick your card:
| Best Lifetime-free Credit Cards | Perks and Benefits | Ideal for |
| Amazon Pay ICICI Credit Card | 1 Reward point = ₹1 No cost EMI on Amazon with flexible tenure of 3 and 6 months 1% fuel surcharge waiver | Shopping |
| AU LIT Credit Card | Earn 5X and 10X reward pointsMilestone cashback benefits Complimentary ZEE 5 and Amazon Prime membership | Shopping and entertainment |
| Axis Bank Insta Easy Credit Card | 5% cashback on making bill payments and rechanges via GooglePay4% cashback on food orders via Swiggy and Zomato | Dining and food delivery offers |
| HSBC Visa Platinum Credit Card | Earn 2 Reward points for every ₹150 spend Opportunity to earn 5X the reward points after milestone spend of ₹4 Lakhs | Shopping |
| IDFC FIRST Select Credit Card | Buy one, get one movie ticketsUp to 20% discount at 1500+ restaurants | Dining |
| Federal Bank Scapia Credit Card | Unlimited access to domestic airport loungesZero forex markup | Travelling |
| IndusInd Platinum Credit Card | Redeem 1 Reward Points into cash at the rate of ₹0.60 or 0.401.5 Reward points on every ₹150 spend | Shopping |
| Dhanlaxmi Bank Platinum Credit Card | 5% cashback on supermarket spending Deals on travel, dining and golf and complimentary airport lounge access | Travel and dining |
| RBL Bank BankBazaar SaveMax Credit Card | 5X reward points on groceries10% instant cashback on BookMyShow and Zomato | Shopping and entertainment |
| One Credit Card | 5X reward points on the top two spending categories1% fuel surcharge waiver | Shopping |
Disclaimer: Offers and features of credit cards are subject to change; please check the latest information before you apply.
Benefits of Lifetime-free Credit Cards
If you are vouching for a lifetime-free credit card then you will acquire these benefits. Understanding these benefits will only get you excited to buy with a credit card like this. So, a lifetime-free credit card offers:
No Renewal Charges
For most credit cards, there are added charges to maintain the credit card. But in this case, there aren’t any. Moreover, lifetime-free credit cards don’t have any joining charges as well.
Welcome Bonuses
Just like all credit cards, this credit card will have a welcome bonus for you, which you can use at your convenience. It can be cashback, reward points or a membership card.
Better Savings Options
As you don’t require any additional charges to maintain the card, you can save that money, which is a pretty great option. When your annual charges are waived, then you are saving a lot.
Wide Range of Deals and Privileges
Starting from everyday expenditures to luxury products, a credit card will offer a variety of services to satisfy their users. So, while picking your card, make sure you pick the right one.
Easy to Meet Eligibility Criteria
Most lifetime-free credit cards have easy-to-match eligibility criteria which can be a great way to start your journey. Moreover, it can be the best option if your credit score is below or around 750.
Basic Credit Card Benefits
Every credit card has some exclusive benefits. If you have gone through the list mentioned above, then you can understand this point better. These benefits will include:
- Dining benefits
- Travel benefits
- Shopping benefits
- OTT subscriptions
- Movie ticket discounts
- Reward points
- Gift vouchers
- Cashback
- Fuel surcharge waiver
You can get these benefits based on the card you choose. If you require dining, go for a dining credit card. If you love to travel, pick a travel credit card. The process is simple and straightforward.
So, if you are looking for a lifetime-free credit card that is versatile and widely inclusive, then you must consider the One Credit Card. With this card, you can get a variety of services without any additional charges. All you have to do is apply for a card and download the application to start your journey.
With this application, you can pay your bills easily and on time. This app also allows you to set limitations on your spending. This means when you are about to cross your limit will get notified. This way, you do not cross your budget.
Another extremely beneficial aspect of getting this card is earning 5X reward points on your top two spending categories. To be a part of this credit card ecosystem, apply now and start your journey to save more and utilise your credit.