Having a lifetime free credit card is good but having a life time free credit card without income proof is even better. Check out this illustrious list of best lifetime free credit cards and that’s not all. You can apply online for credit cards that suit your needs too.
A lifetime free credit card is exactly how it sounds. It simply means that you will never have to pay any annual fees for the maintenance of your credit card. Right now almost every bank or financial institution like Axis bank, HDFC, HSBC, IDFC First, SBI, ICICI, Bank of Baroda bank and many more are already having life time free credit cards that they are offering to their existing as well as new customers who meet a certain criteria.
Additional Info: Check Top 10 Cashback Credit Card and Apply.
You must be thinking that if all these banks and FIs are offering good and reasonable lifetime zero annual fee credit cards then, how to select the best one for yourself? Well, we have compiled a list of best lifetime free credit cards and also highlighted the other benefits that come with it. You can check out the list below before knowing in detail about each one of them.
Card Name | Best Suitable For | Card Benefit | Annual Fee |
ICICI Instant Platinum Credit Card | Movie Tickets, Dining out | 3 PAYBACK Points on every Rs. 100 spent | Zero |
HSBC Visa Platinum Credit Card | Travel, Online Shopping | 2 Reward points for every Rs. 150 spent | Zero |
IDFC First Select Credit Card | Luxury lifestyle spends, Online shopping | 6 Reward points for every Rs. 150 spent | Zero |
ICICI Amazon Pay Credit Card | Online Shopping | Earn 5% Cashback for Amazon Prime customers | Zero |
IDFC First Wealth Credit Card | Airport lounge/spa/golf benefits | 6X & 3X reward points on online & offline spends | Zero |
Axis Bank Insta Easy Credit Card | Fuel, Dining | 6 reward point for every Rs. 200 spent | Zero |
Bank of Baroda Easy Credit Card | Movies, Grocery | 5 reward points for every Rs 100 spent | Zero |
HDFC Visa Signature Credit Card | Airport Lounges, Travel, Fuel | 2 reward points for every Rs. 150 spent | Zero (if you spend Rs 15000 in 90 days) |
Kotak 811 #DreamDifferent Credit Card | Fuel, railway, movies & lifestyle spends | 2 reward points for Rs. 100 spent online; 1 reward point for other spent | Zero |
Note: Check All Lifetime Free IDFC Credit Card
Did you know? You can get some of these lifetime free credit cards without any income proof. In this case the card issuer issues your credit card against any fixed deposit (FD). You can get an FD account opened for a sum of money as low as Rs 2000. The credit card will have a credit limit which is 80% of the amount in your FD.
These cards do not cause any problems and relieve you from the nuisance associated with joining fees and annual fees. In addition to this, they also offer you amazing rewards if you purchase items through them. Without much ado, here are the Top 10 Best Lifetime Free Credit Cards that exist.
ICICI Bank Platinum Chip credit card is an entry-level card that comes in both Visa and Mastercard variants. ICICI Bank Platinum Chip credit card uses a Payback loyalty program to award reward points.
Apart from being a lifetime free card, ICICI Instant Platinum credit card offers following benefits that make it ideal for people who like going out to movies and dining out.
Get Rs. 100 discount on booking up to 2 movie tickets each month through www.bookmyshow.com
The HSBC Visa Platinum Card comes with zero-annual fees. It works well for cash back. You get 10% cash back on all spends for the first 60 days. Other than this, you obtain 5X reward points for expenditure between Rs. 4 Lakhs and Rs. 10 Lakhs as well as 3X reward points for spends on dining, hotels, and telecom for one year. You also enjoy a 20% discount at chosen lounges and restaurants in India as well as a BookMyShow voucher worth Rs. 500.
This HSBC Visa Platinum credit card has numerous rewards and benefits which might put any premium card to shame. Check out the welcome offer and benefits that come with this card.
It’s a semi-premium credit card that’s worth exploring for its airport lounge benefits and decent rewards. Apart from the standard benefit, you’ll also be able to enjoy the targeted promos that come every now and then especially around festivals.
This card by IDFC has its own perks apart from being a free credit card. When you look at the welcome benefits and reward program of this card, you will realise this card can easily cater to your luxury lifestyle spends and online shopping spree.
Welcome voucher worth 500 INR on spending >=15,000 INR within 90 days of card generation.
Issued by ICICI Bank in partnership with Amazon and Visa, the Amazon Pay ICICI Bank Credit Card allows customers to shop online on Amazon.in and earn attractive rewards. You get paid back on each of your transactions. It is a lifetime free credit card as there is no annual or joining fee applicable on the card. This card is specifically made for shopaholics who love to shop online.
This ICICI free lifetime credit card gives you great benefits if you love shopping on Amazon. Apart from being free this card has following rewards and benefits.
Get an instant welcome bonus of Amazon Pay Balance (Rs. 300 to Rs. 600)
This is a premium credit card that’s worth exploring for its airport lounge/spa/golf benefits. The rewards for high value spending are good too. Apart from the above, you will also be able to get a relatively low interest rate if you’re carrying forward your balances. In order to get IDFC Credit Card, apply online lifetime free at MyMoneyMantra.
IDFC First Wealth Credit Card offers the interest rate at 0.75-3.5% a month with air accident cover of Rs.1 crore and personal accident cover of Rs.10 lakh and lost card liability cover of Rs.50,000. All this on top of numerous rewards and of course it’s free for the lifetime.
Welcome voucher worth 500 INR on spending >=15,000 INR within 90 days of card generation
AU Small Finance LIT Credit Card is India’s First customizable Credit card where it lends you the ability to customize the features of the card. With a LIT card you can select from five types of features that you want to use for a period of 90 days. The five categories are, travel benefit, OTT membership benefit, shoppers category, Milestone cashback category and other categories
This card gives ample options to users so that they actually end up using this card and reap the benefits. Let’s have a look below to see what those benefits and rewards are.
There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.
The Axis Bank Insta Easy Credit Card can be availed with minimal documentation and guaranteed approval. It is a chip and pin enabled card and is issued against your Fixed Deposit (FD) with Axis Bank. The card comes with fuel surcharge waiver, discounted dining bills, a free Axis Bank Credit Card period of 50 days, and other benefits. You can get this lifetime free credit card without income proof.
This Axis bank lifetime free credit card has plenty of benefits apart from being free. You can utilize this card to save a lot on your fuel, dining and online shopping expenses. Check out the welcome benefits and rewards that come with this lifetime free credit card.
There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.
Bank of Baroda Easy Credit Card is one of the basic credit cards offered by Bank of Baroda. This Bank of Baroda credit card is suitable for people with minimal income as it provides accelerated rewards and cashback offers on regular spending categories.
Bank of Baroda Easy Credit Card is a reward point based credit card that offers tons of reward points on groceries, departmental stores, movies, and much more. Following are the Benefit of the card:
There is no specific welcome offer apart from the fact that this card can be issued without paying any fee.
HDFC Visa Signature Card is a credit card facility that comes with an offer of up to 3 add-on cards which you can give to your loved ones and ensure their financial security and freedom. Also, this card helps you make a great deal of savings by letting you save up to ₹ 8,300 on an yearly basis.
When it comes to HDFC life time free credit card, HDFC Visa Signature card instantly comes to mind. Although there is some annual fee involved, it will be waived off once you spend Rs 15000 in the first 90 days within this card being issued.
The welcome offer keeps on changing as per the trend. Sometimes you get shopping coupons from online sites, sometimes you get flat cashback.
Enjoy the benefits of interest free cash withdrawals, rewards on all purchases, a credit limit up to 90% of your term deposit amount and a free Credit Card for life – all with the Kotak 811 #DreamDifferent Credit Card.
This Kotak credit card is backed by a fixed deposit for as low as INR 15,000, this lifetime free credit card is especially for customers who have no credit history or do not have any other income. Check out all the benefits and rewards offered by this card.
Get 500 bonus reward points on card activation
To apply for a no annual fee credit card online you can either visit the official website of the concerned credit card provider or apply through MyMoneyMantra, a leading online lending marketplace.
All you need to do is, fill in a basic credit card application form, and submit your contact details. The bank or MyMoneyMantra representative will get in touch with you to gather more details (as required) and provide complete information about the card.
If you are eligible for the card, the representative will collect documents from your doorstep and submit them to the card provider.
After verification of the documents and information provided by you, and after successfully meeting the criteria of the card provider, your application will get approved and the card will be delivered to your doorstep.
To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.
No, you can’t get a lifetime free credit card with a bad credit score. However, you can opt for short-term personal loans and improve your CIBIL score by taking it to 700 score or above that improves your repayment capacity reputation.
You need to submit the following documents to apply for a Credit Card. Identity Proof, Address Proof, 1 recent passport size photograph, last 6 months salary slip and form 16.
It depends entirely on the services that a credit card company is offering and if the offered services are of any use for the customer. This is a very objective thing and differs from person to person. For example if a free credit card offering dining discounts is not useful for a person who never goes out to anything outside, and in the same manner a credit card offering fuel surcharge waiver is not good for a person who has no vehicle at all.
Any one who thinks that the services provided by that card of any value to him or her. If the person thinks that if the services are not useful for his current situation then it is of no use.
Free credit cards can be used for foreign transactions but there will be charges to use that facility known as foreign currency markup fee. This fee is generally around 3% of the cost of the purchase.
It is advisable to use cards which have a low foreign currency markup fee. There are credit cards which facilitate such transactions and have zero foreign currency markup fee.
To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.