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Wednesday, August 4, 2021

Top 10 Lifetime Free Credit Cards in India Updated 2021

Top 10 Lifetime Free Credit Cards in India Updated 2021


If you are not ready for a fixed deposit. Amazon Pay ICICI Credit Card is one of the top picks for lifetime free credit cards provided you meet the eligibility criteria.

Frequently Asked Questions



1. Which bank is best for credit cards?

HDFC, ICICI, and SBI all are popular banks with a variety of credit card options. You can also add HSBC, Axis, and Kotak to this list.

2. What are the best credit cards with no annual fee?

ICICI Bank Instant Platinum credit card is one of the best choices available with no documentation.

In addition to that, you may consider HDFC freedom Credit card, ICICI Amazon Pay Credit card or Axis Bank Insta Easy Credit Card. There are choices available with every bank.

3. Is HDFC Freedom credit card free?

The annual fee of HDFC Freedom Credit Card is waived off on annual spends of Rs. 60,000. So the credit card is free is your annual spend is Rs. 60,000 or more.

SBI Salary Account Benefits


State Bank of India (SBI) offers a range of salary accounts, designed to suit varied needs of salaried persons working in corporate/institutions, central government, state government, defence, etc. Let’s know all about these salary accounts by the State Bank of India.

SBI, the country’s largest bank, offers 8 types of salary packages. These are designed to best suit the needs of employees working in corporations, central or state government, defence forces and police forces among others.


Though every salary package offered by SBI has specific benefits to suit the varied needs of various employees, some benefits are extended by all of these salary packages. These are:



Personal Accident Insurance (Death) – up to Rs. 20 lakh

Air Accident Insurance (Death) – up to Rs. 30 lakh

50% off on loan processing fee – loans like personal loans, home loans, car loans, etc.

Up to 25% off on locker charges

Overdraft facility – up to 2 months of salary can be availed

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SBI brings to you an entire range of Salary Accounts, crafted to suit your needs. We offer special Salary Account Packages for varied sectors, such as Central Government, State Government, Defence Forces, Paramilitary Forces, Police Forces, Corporates/ Institutions etc. These comprehensive packages provide a wide range of unique benefits and services, as well as seamless access to the most advanced and secure Net Banking and Mobile Banking services.



4. What credit card has no annual fee?

Mostly, the credit cards issued against a fixed deposit have no annual fee. The documentation process is also simple for lifetime free credit cards. However, the limit of such credit cards is low.

5. Is it worth it to get a credit card with an annual fee?

The benefits offered by credit cards cover the annual fee. If the credit card offers benefits worth the annual fee it is completely worth it. You can get benefits across movies, dining, online shopping, travel, etc.

6. What is the easiest credit card to get approved for?

Getting credit card approval is very easy these days. If you have a savings account with the bank the approval is even easier. Instant credit cards are also available against fixed deposits.

7. What does lifetime free credit card mean?

There are no additional charges for using the card. The joining and renewal fee is Rs. 0.

8. How can I avoid paying my credit card annual fee?

Apply for lifetime free credit cards in India. All leading banks have select credit cards with no annual fee. You can also look for credit cards with an annual fee waiver.

1. Axis Bank Insta Easy Credit Card




To avail this lifetime free credit card of Axis Bank you need to have a fixed deposit of Rs. 20,000. However, the card cannot be issued against tax saved FDs, Flexi-deposits, or Fixed deposits in the name of trust, society, or company.
Features



6 Reward points for Rs. 200 spend domestically.


12 Reward Points for every Rs. 200 spent internationally.
How to Apply for Axis Insta Easy Credit card




Open a fixed deposit of a minimum Rs. 20,000. The approval is instant no need for income proof.

Visit your nearest Axis Bank Branch to apply for Insta Easy Credit Card.


2. Yes Bank Prosperity Reward Plus




Yes Bank Prosperity Reward Plus offers discounts on dining, movies, and retail spends. Also, enjoy bonus reward points on birthdays and international spends. The best part about the card is that it has no joining or annual fee.

The annual fee is waived on spends of Rs. 7,500 with 90 days. And the annual membership fee is waived on spends of Rs. 25,000 within 12 months.
Features



Earn 12,000 Bonus Reward Points on spends of Rs. 3.6 Lakhs or above in each anniversary year


3 Reward Points for every Rs. 100 spend on Grocery Stores & Supermarkets


2 Reward Points for every Rs. 100 spend on other categories
How to Apply for Yes Bank Prosperity Reward Plus


Minimum salary of Rs. 25,000 per month or income Tax Return of Rs. 5 lakh is minimum eligibility.

The credit card is also available against Fixed deposit. To apply for YES Prosperity Rewards Plus Credit Card visit your nearest Yes Bank branch.


3. SBI Card Unnati





The credit card was recently launched with zero annual fees for the first four years. However, a renewal fee of Rs. 499 is applicable from the fifth year. The credit card is issued for all customers with a fixed deposit of Rs. 25,000 or with the State Bank of India.

The add-on card fee is also zero.
Features


1 Reward Point for every Rs. 100 spent

Get Rs. 500 cashback on spends of Rs. 50,000 in a year.

1% fuel surcharge waiver for a transaction between Rs 500 & Rs 3000
How to Apply for SBI card Unnati





Open a fixed deposit of Rs. 25,000 or more.


Visit the credit card application page from here


Enter the details and select "SBI Card Unnati"


Click Submit to get a call from SBI Card representative in 1-2 days


4. ICICI Amazon Pay Credit Card




The co-branded credit card of ICICI Bank is a special pick for Amazon Customers. It is lifetime free. And helps you earn up to 5% cashback on all purchases. The credit card was initially launched for select Amazon users. But it is now available for all users and you can easily apply online for Amazon Pay ICICI Credit Card.
Features



1% cashback on all other payments


2% cashback on 100+ Amazon Pay partner merchants


3% cashback on Amazon for non-prime customers


5% cashback on Amazon for Amazon Prime customers


The Cashback will be credited as Amazon Pay Balance


5. HDFC Freedom Credit Card



The credit card is similar to the Bharat cashback card. However, in this case, the annual fee of Rs. 500 is waived off on annual spends of Rs. 60,000. The credit card offers better rewards with 25X reward points on Birthday spends.
Features



Get 5X reward points on Movies, Dining, groceries, and taxi spend.


For other categories, earn 1 reward point for every 150 spend.
How to apply for HDFC Freedom Credit Card?



Apply for the Freedom credit card online or by visiting the nearest branch.


Visit the online application page from 


Fill in the required details



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6. HDFC Bharat Cashback card





The annual fee for HDFC Bharat cashback credit card is Rs. 500. However, the annual fee is waived on annual spends of Rs. 20,000.

The gross monthly income for salaried individuals is only Rs. 12,000. While for self-employed individuals annual income of 2 lakhs is minimum.
Features



Earn 5% cashback on IRCTC, Fuel spends, Grocery spends, and bill payments.


Get annual membership fee waiver on spends of Rs. 20,000 in a year.
How to apply for HDFC Bharat Cashback Card?



You can apply for the credit card online or by visiting the nearest branch.


Visit the online application page from here


Fill the required details


7. Citibank Rewards Domestic Credit Card




Although, the credit card is not free but, the annual fee of Rs. 1,000 is waived off on yearly spend of Rs. 30,000 and more. The rewards points program is also attractive. Earn 10 Reward points for every Rs. 125 spent at apparel & department stores.

Earn 1 reward point for other spending. Also, get Rs. 1,000 bonus points for the first transaction of Rs. 1,000 within the first 60 days. The earned points can be redeemed at 700+ outlets.
How to apply for Citibank Rewards Domestic Credit Card



Visit the credit card application page from here


Enter the required details


Submit the credit card application form


You will receive a response shortly


8. Standard Chartered Priority Visa Infinite Credit Card





This lifetime free credit card is for Priority Banking customers of Standard Chartered Bank. Also, get 12,000 Bonus points for spend over Rs. 10,000 for the first three months.
Features



Get Airport Lounge Access with Visa infinite Lounge program.


5 reward points for every Rs.100 spent at Retail Fashion, Supermarkets & Overseas


2 reward points for every Rs.100 spent on all other categories
How to Apply for Standard Chartered Priority Visa Infinite Credit Card


The credit card is exclusively for Priority Banking customers of Standard Chartered Bank. Existing Priority Banking customers of SCB can apply.


9. HSBC Visa Platinum Credit Card






The credit card is free and you also get introductory benefits worth up to Rs. 4,250. The lifetime free credit card comes with Air Miles Conversion.

The introductory offers include Cleartrip vouchers worth Rs. 2,00. Rs. 250 Swiggy voucher on the first transaction and up to Rs. 2,000 cashback on 9 transactions in the first 90 days totaling Rs. 10,000 or more.
Features



Get 2 Reward points on spend of Rs. 150.


BookMyShow Vouchers worth Rs. 500 on a monthly spend of Rs. 50,000

10. ICICI Instant Platinum Credit Card








The first credit card is our list is from ICICI Bank. The joining and annual fee of ICICI Bank instant Platinum credit card is zero. Earn Payback points for your transactions. For every Rs. 100 send, you get 2 PAYBACK points. Your PAYBACK points can be redeemed for movies and travel vouchers, lifestyle products, and more.

The credit card is offered quickly with minimum documentation. You need a fixed deposit to get the credit cast instantly with zero processing time. The supplementary card is also free.
How to apply for ICICI Instant Platinum Credit Card



You just need a fixed deposit in ICICI bank to get this credit card. If you already have a fixed deposit walk-in to an ICICI Bank branch and walk out with your life-time free credit card.

You need a minimum fixed deposit of Rs. 20,000 for a minimum of 180 days.

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