Top 10 Lifetime Free Credit Cards in India – Complete guide {Updated}

Top 10 Lifetime Free Credit Cards in India

Top 10 Lifetime Free Credit Cards in India

Before starting a discussion about Top 10 Lifetime Free Credit Cards in India Lets start discusses credit cards. A credit card is a very convenient and nifty device that allows people nowadays to prevent carrying big amounts of cash on themselves instead of just having to carry a small plastic card instead to get all their work done.

Credit cards have made their way into the whole urban lifestyle of people nowadays and have become an integral part of the economic and social lives of people nowadays. The ability to remotely access your money through the credit card while your money is safe in a bank is also a relief and what makes this feasible. But, with the ever-evolving need for the money nowadays, the credit cards themselves have also become better and better.

Top 10 Lifetime Free Credit Cards in India

For new users of a credit card or the banking system as a whole is the fee that accompanies the use of this credit card. They might not think that just to access their money remotely they have to incur extra fees which is something that one may ask as well. Well, every problem has a solution. And the solution to this problem is to look for credit cards that incur no such fees.

Usually, the fee charged for these credit cards are to be paid annually, or different patterns depending on the usage pattern of the customer. All the prominent banks provide different plans based on how frequently a customer makes use of these credit cards. Thus, the leading banks have specific plans under which the annual fee doesn’t exist. Thus, if a person doesn’t wish to incur extra fees he may go for these plans.

Here’s a list of the Top 10 Lifetime Free Credit Cards in India by various banks that are free for a lifetime:

1) Top 10 Lifetime Free Credit Cards in IndiaStandard Chartered Priority Visa Infinite Credit Card

Top 10 Lifetime Free Credit Cards in India

The first card in the list of Top 10 Lifetime Free Credit Cards in India is from Standard Chartered. This is a card especially for the priority banking customers of the Standard Chartered Bank. Not only does it incur absolutely no annual fees, but it also grants the customer 12,000 extra points for the first three months for purchases that amount to over 10,000 rupees in total.

Features for this credit card include:

It gives the customer personalized services and privileges bespoken to match the usage pattern of their choice. It provides a complimentary for the priority status of the customer. Standard Chartered Priority Visa Infinite Credit Card also comes with a unique points and rewards program where you can earn 5 points for 100 rupees spent on any sort of retail fashion, supermarkets, and overseas purchases, whereas 2 points for 100 rupees in any other category.

It also has a complimentary overseas air accident insurance worth 1.2 crores INR and medical insurance worth USD 25,000. This all is accompanied by a Priority pass membership and the “Good Life” Programme which gives a variety of discounts across activities like dining and shopping. It also offers 4 complimentary domestic lounge access every quarter on using the above credit card. So, all in all, it is a really great deal and is definitely one of the Top 10 Lifetime Free Credit Cards in India.

2) Top 10 Lifetime Free Credit Cards in IndiaICICI Platinum Chip Credit Card

Top 10 Lifetime Free Credit Cards in India

The second Top 10 Lifetime Free Credit Cards in India on this list is ICICI’s Platinum Chip credit card. The best thing about this credit card is that both the joining and annual fees for this are absolutely zero. 

Features for this credit card include:

Instead of the reward points in Standard Chartered’s card, ICICI’s card has PAYBACK points instead. These points are easier and well distributed than the Standard Chartered’s points. The customer earns 2 points for every 100 rupees spent regardless of where the money is spent as compared to Standard Chartered’s points which give more points depending on what the money is spent on.

These points now can be redeemed for movies and travel vouchers, lifestyle products, and other such products. Not only that, but the supplementary card is also free. The condition to obtain this Platinum Chip credit card is also quite simple. All you need to do is have a fixed deposit in ICICI bank.

If you don’t have the card even though you have a fixed deposit in the bank already, you can go to your nearest bank and walk out with this lifetime free credit card. You need a minimum of 20,000 INR for a minimum of 180 days though in order to obtain and keep this card. The cards also come with better security owing to the embedded microchip which provides extra security against cloning, duplication or counterfeiting of the said credit card.

3) Top 10 Lifetime Free Credit Cards in IndiaHSBC Visa Platinum Credit Card 

Top 10 Lifetime Free Credit Cards in India

The third card on this list of  is presented to you by HSBC Bank’s Viva Platinum Credit Card. Just like the ICICI Platinum Chip credit card, this card is also completely free. This card is different from others as it also introduces some introductory benefits which may be as high as 4,250 rupees. 

Features for this credit card include:

This includes some extra benefits that can include offers like Cleartrip vouchers, Swiggy vouchers on the first transaction rising up to 2,000 rupees worth of cashback on 9 transactions in the first 90 days whose total reaches 10,000 rupees or more.

It also has a similar points system as the above cards, but instead it gives 2 points for every 150 rupees spent using the card. HSBC Visa Platinum Credit Card also includes BookMyShow vouchers worth about 500 rupees for a spend of 50,000 rupees in a month. It also has no joining and annual fees as well. A major feature of this is also the Air Miles conversion it gives on JetPrivelege and Singapore Airlines. It also has a Fuel Surcharge Waiver and basic discounts on movies, flights, restaurants and more.

4) Top 10 Lifetime Free Credit Cards in IndiaHDFC Bharat Cashback Card

Top 10 Lifetime Free Credit Cards in India

The fourth credit card on the list is from the HDFC bank. The Bharat Cashback card is a little different from the other cards. This card has an annual fee of 500 rupees. However, this fee is waived if the money spent in the year is above 20,000 rupees. The gross monthly income required for salaried individuals is 12,000 rupees whereas for self-employed individuals the requirement is an annual income of 2 lakhs minimum.

Features for this credit card include:

It comes with features like 5% cashback on IRCTC, money spent on fuel, groceries and bill payments. The maximum total savings a person can do on this card amounts to around 3,600 rupees. It also provides cashback on the use of specific applications like PayZapp, EasyEMI or SmartBUY.

5) Top 10 Lifetime Free Credit Cards in IndiaCitibank Rewards Domestic Credit Card

Top 10 Lifetime Free Credit Cards in India

The fifth credit card on the list is from Citibank, the Citibank Rewards Domestic Credit Card. The main attracting feature of this credit card for the customers is the rewards program. The rewards program for this card can be seen as better than for that for the other credit cards by a decent margin. Although, it comes at a cost. The credit card itself is not completely free but the annual fee of 1,000 rupees is waived off if the total amount spent for the year is more than 30,000 rupees. 

Features for this credit card include:

The rewards point system works as follows. 10 reward points are earned for every 125 rupees spent at apparel and department stores. 1 reward point is earned for any other money spent through the credit card. Bonus points worth 1,000 rupees are also added for the first transaction within the first 60 days. These earned points can then be redeemed at more than 700 outlets. This credit requires a little input in order to receive though. In order to apply for this credit card, an online application has to be submitted on the website for the credit card. 

6) Top 10 Lifetime Free Credit Cards in IndiaICICI Amazon Pay Credit Card

Top 10 Lifetime Free Credit Cards in India

This special card is the co-branded credit card from the ICICI Bank. This credit card is a very special pick for regulars of online shopping through Amazon. There are no annual fees that need to be waived by more than a certain amount spent per year. It helps the users earn up to 5% cashback on all purchases done through the credit card. Although it was initially launched for select Amazon users, now it is available for all customers and can be easily applied for online.

Features for this credit card include:

It has features including 5% cashback for Amazon purchases with Amazon Prime, 3% without Amazon Prime, 2% on 100+ Amazon Pay Partner merchants and 1% on all other purchases. The cashback obtained is credited as Amazon Pay Balance. The card can be applied for through the Amazon website or the Amazon app. There the customer has to fill an application form and submit it on the website itself.

7) Top 10 Lifetime Free Credit Cards in IndiaHDFC Freedom Credit Card

Top 10 Lifetime Free Credit Cards in India

This card also brought out by the HDFC bank, the HDFC Freedom Credit Card is quite similar to the HDFC Bharat Cashback Credit Card. Although for this card, the annual fee of 500 rupees is waived off on the spending of 60,000 rupees for the year. The rewards for the card are also better at the cost of more rupees to be spent to waive the annual fee.

Features for this credit card include:

25X reward points are obtained on Birthday spends. 5X reward points are also obtained for purchases done for movies, dining, groceries and taxi or cabs. Spends through apps like PayZapp or SmartBuy give 10X reward points.

For other categories, 1 reward point is earned for every 150 rupees spent. This card also needs to be applied for either online or by visiting the closest branch of HDFC Bank around you. On fee realization, and extra 500 reward points are awarded.

Another interesting feature is that 3 add-on cards can be obtained without incurring extra charges. Fee waiver of 1% is also applied for fuel, but it is capped at 250 rupees per statement for a minimum transaction of 400 rupees and a maximum of 5,000. These cards are chip-enabled and thus enable safe and secure transactions.

8) Top 10 Lifetime Free Credit Cards in IndiaSBI Card Unnati

SBI Card Unnati

The eighth credit card on the list is from the SBI(State Bank Of India). This card is a little different as this credit card doesn’t incur any annual fees for the first 4 years. A renewal/annual fee of 499 rupees is applicable from the fifth year, however. The add-on card fee is also zero, thus cards can be added on without adding any costs. This credit card is issued to all users with fixed deposits worth more than 25,000 rupees with the State Bank of India.

Features for this credit card include:

The reward points system is fairly straightforward with 1 point for every 100 rupees spent. A 1% fuel surcharge waiver for every transaction between 500 rupees and 3000 rupees is also applied. It also has milestone awards which are applicable for all membership years. Customers can receive a 500 rupees cashback within half a month of achieving annual spending of 50,000 rupees or more.

9) Top 10 Lifetime Free Credit Cards in IndiaAxis Bank Insta Easy Credit Card

Axis Bank Insta Easy Credit Card

This ninth card on the list is from the Axis Bank, the Axis Bank Insta Easy Credit Card. This is one of those cards that require the customer to have a fixed deposit in order to avail of this card. Here, the customer requires a fixed deposit of 20,000 rupees for this credit card. However, the card will not be given if the FD is tax-saved, or it’s a Flexi-deposit or in case the fixed deposit is in the name of a trust, society or a company. 

Features for this credit card include:

This credit card has a 1% fuel surcharge waiver on all fuel transactions in India. Cash can be withdrawn from the account up to a specific credit limit which may be set by the customer as high as 80 percent of the FD principal value. There are extra charges on purchase transactions for up to 50 days. It also comes with emergency global assistance. 

10) Top 10 Lifetime Free Credit Cards in IndiaYes Bank Prosperity Reward Plus

Yes Bank Prosperity Reward Plus 

The final credit card on the list is from Yes Bank, the Yes Bank prosperity Reward Plus. It has no joining fee which is one of the major features of this credit card. The annual fee is waived on spending 75,000 rupees within 90 days and the annual membership fee is waived on spending 25,000 rupees within 12 months.

Features for this credit card include:

This credit card offers discounts on dining, movies and retail transactions. Bonus reward points are awarded birthday and international spending. 12,000 bonus reward points are awarded on spending 3.6 lakhs or more in an anniversary year. 3 points are awarded on every 100 rupees spent on groceries and supermarkets. 2 points are awarded on spending 100 rupees in other categories.

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