Lifetime Free Credit Cards

Top Lifetime Free Credit Cards 2024 (With Nil Joining and Annual Fees)

IDFC First Select Credit Card

Key Features and Benefits of The IDFC First Select Credit Card

• Welcome Benefits: Welcome voucher of INR 500 on spends of INR 15,000 within 90 days of card activation.
• Cashback: 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of the First EMI done within 90 days of card generation.
• Reward Points:
  • 6 reward points per INR 150 spent online
  • 3 reward points per INR 150 spent offline on spends below INR 20,000 monthly
  • 10 reward points per INR 150 spent over INR 20,000 monthly and on spends done on your birthday
  • 1 reward point = INR 0.25
  • There is no upper limit on the reward points and you can accumulate as many as possible.
• Other Benefits:
  • Airport Lounge Access:4 free domestic airport lounge visits per quarter.
  • Road Benefits: Free roadside assistance worth INR 1,399
  • Railway Lounge Access: 4 free railway lounge visits per quarter
  • Air accident cover: Air accident cover of INR 1 crore.
  • Personal accident cover: Personal accident cover of INR 5 lakh.
  • Lost Card Liability Cover of INR 50,000
  • Comprehensive travel insurance cover of INR 22,500
  • Fuel surcharge waiver of 1% can be availed.
  • Discounts:
    • Up to 20% discount at partner restaurants.
    • Up to 15% discount at partner health and wellness outlets

IDFC First Millennia Credit Card

Key Features and Benefits of The IDFC First Millennia Credit Card

• Welcome Benefits: A voucher of INR 500 on spends of INR 15,000 within 90 days of card activation.
• Cashback: 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of the first EMI within 90 days of card generation.
• Rewards:
  • 6 reward points per INR 150 spent online
  • 3 reward points per INR 150 spent offline on spends below INR 20,000 monthly
  • 10 reward points per INR 150 spent above INR 20,000 monthly and on spends done on your birthday.
  • 1 reward point = INR .25
  • Reward points do not have any upper limit and you can accumulate as many as possible.
  • You will get 3 reward points on the payment of rent.
• Other Features:
  • Interest-Free Period: Interest not applicable for domestic and international cash withdrawals at ATMs for up to 48 days.
  • There is a convenience fee of INR 99 + GST on redemption of reward points.
  • A cash advance fee of INR 250 per transaction.
  • Forex markup of 3.5% for all international transactions.

ICICI Bank Platinum Chip Credit Card

ICICI Bank Platinum Chip Credit Card - Key Features and Benefits

• Rewards:
  • 2 reward points on eligible transactions in the following ways
  • 1 reward point per Rs. 100 spent on utilities and insurance
  • 2 reward points per Rs. 100 for spends on retail purchases (except fuel)
  • You can get movies, travel vouchers, lifestyle products, and other merchandise against your reward points
• Dining Discounts:
  • Save up to 15% on dining bills at over 2,500 restaurants across the country.
• Fuel Surcharge:
  • 1% fuel surcharge waiver on Hindustan Petroleum fuel pumps on your transactions of up to Rs. 4,000.

HSBC Visa Platinum Credit Card

This is a lifestyle credit card with excellent offers and features. It gives exclusive privileges and rewards.

Key Features and Benefits of the HSBC Platinum Credit Card

• Welcome Benefits: 3 complimentary airport lounge access/meal vouchers
• Rewards:
• 5x reward points on crossing annual spends of Rs. 4,00,000.
• 2 reward points on every other Rs. 150 spent on this card.
• Cashback: Up to Rs. 1,000 cash back yearly on achieving the milestone spend.
• Other Benefits:
  • Gift Voucher: Amazon gift voucher worth Rs. 500.
  • Movie Offer: Buy 1 get 1 offer on booking movie tickets through BookMyShow.
• Discounts:
  • 50% discount on your first Google Pay transaction
  • 15% instant discount on specific products on Tata Cliq.
• 1% fuel surcharge waiver.

IDFC First Wealth Credit Card

The card offers exclusive travel and lifestyle benefits, rewards, and lowest interest rates.

Key Features and Benefits of The IDFC First Wealth Credit Card

• Welcome Benefits: Welcome voucher of Rs. 500 on spends of Rs. 15,000 or above in the first 90 days.
• Cashback: 5% maximum up to Rs. 1,000 on your first EMI transaction within the first 90 days.
• Rewards:
  • 10X reward points on all spends above Rs. 30,000 and your birthday
  • Reward points that never expire.
  • 6X and 3X reward points on online and offline purchases made up to Rs. 30,000
  • 3X reward points on rental and property management spends
  • 1 reward point for every Rs. 100 spent. 1 reward point = Re. 0.25
• Other Features and Benefits:
  • Lounge and Spa Visits: Complimentary domestic and international airport lounge and spa visits (4 per quarter)
  • Railway Lounge Access: Complimentary railway lounge access (4 per quarter)
  • Low foreign exchange mark-up fee of 1.99%
  • Comprehensive Travel Insurance Cover of Rs. 22,500
  • Loss of Checked-In Baggage – Rs. 7,500
  • Delay of Checked-In Baggage Rs. 5,000
  • Losing passport and other documents – Rs. 5,000
  • Delay in Flight- Rs. 5,000
  • Complimentary Golf rounds are given to each cardholder.
  • Movie Tickets: Buy one get one free offer on movie tickets costing up to Rs.500 per ticket. This offer is available twice per month for each credit card.
  • Fuel Surcharge Waiver: 1% Fuel surcharge waiver (up to Rs.400 per month) at all fuel stations across India.
  • Accident Cover: Personal accident cover of Rs. 5 Lakh and complimentary lost card liability cover of Rs. 50,000
  • Cash Withdrawal: Cash withdrawal from ATMs is interest-free for up to 48 days
  • Free Roadside Assistance (RSA) worth ₹1,399

Eligibility Criteria For Top No Annual Fee Credit Cards 2024

Documents Required For Lifetime Free Credit Cards

• Identity Proof: Aadhaar Card/PAN card/Ration Card/Voter ID card
• Residence Proof: Passport/Driver’s Licence/Electricity or Telephone bill/Form 60
• Income Proof: Salary slips/2 years ITR/Bank statement
• A copy of the front of your credit card and your latest credit card statement (If you have other credit cards).

Advantages And Characteristics Of No Annual Fee Credit Cards

• No Annual Fee: The card does not require any annual fee for maintenance. Thus, it is highly economical for those who want to save on these yearly charges.
• Credit Building: No annual fee credit cards can be used for building credit. You don’t actually incur extra costs in the process of building a credit history.
• No Foreign Transaction Fees: Many annual fee credit cards don’t charge extra fees on transactions made overseas. This can be extremely beneficial for international travel or for making online purchases through foreign currency.
• Security Features: Typically credit cards come with features to safeguard the user such as protection against fraud, zero liability for fraudulent transactions, and purchase protection.
• Free Credit Score: Some no annual fee cards help you check your credit score and track your credit health
• Cashback and Discounts: Many cards will give you cashback rewards or discounts on specific categories such as groceries, dining, gas, or online shopping.
• Additional Warranty: These cards may offer extended warranty protection.
• Easily Redeemable: Rewards accrued on these no-annual-fee cards have flexible redemption options. You can decide how to use these rewards.
• Digital Tools: Many no annual fee cards offer online account management tools, mobile apps, and notifications that help you keep track your spends and manage your account with ease.
• Ensures savings on fuel transactions with 1.00% fuel surcharge waiver.
• Welcome Benefits: You can also enjoy welcome benefits such as bonus reward points, OTT subscriptions, vouchers, and many others.
• Simple Eligibility Criteria: The eligibility criteria are simple and this ensures quick approval of the application.

How To Apply For Lifetime Free Credit Cards

You can apply for lifetime free credit cards through CreditMantri (If the card is available) or through the lender’s official website.

1) Through CreditMantri

• Go to the card’s page
• Click on ‘CHECK ELIGIBILITY’
• Enter details like Email ID, Mobile Number, Residence city, Employment type, Residence Pincode
• Click on “Submit”
• Enter the OTP received on the registered mobile number.
• Proceed with the rest of the application and you will be done in a few minutes.

2) Through The Lender’s Official Website: Follow the instructions specified on the lender’s website and apply for the credit card