Lifetime Free Credit Cards: Top 6 Options and How to Choose the Best

credit card

Applying for the best lifetime credit card for free is not as difficult as you think. All you need to do is compare your options in terms of features, interest, eligibility, and other such factors.

Since there are no joining and annual fees, a good comparison helps you choose the best option. Based on these parameters, here are some of the best lifetime-free credit cards you can apply for in India and their key features and benefits. 

Top 6 Lifetime Free Credit Cards in India

Compare and choose from the following cards based on their highlighting features.  

Amazon Pay ICICI Credit Card

  • You can enjoy unlimited reward points that never expire
  • Enjoy exclusive discounts on shopping for over 10 Crore products on Amazon 
  • Convert all your big-ticket purchases into EMIs with flexible tenure options ranging from 3 to 6 months

Bank of Baroda (BoB) Easy Credit Card

  • Enjoy 5X reward points on every ₹100 spent at departmental stores and for movie ticket purchases
  • Convert all your purchases over ₹2,500 into EMIs for up to 36 months
  • Get a 1% fuel surcharge waiver at all fuel stations across India

One Credit Card

  • One of the best rewards credit cards in India that offers evergreen 5X rewards on top two spend categories 
  • Convert all your purchases easily into EMIs on the One Credit Card App
  • Share your credit limit with up to 5 family members

HSBC Bank Platinum Lifetime Free Credit Card

  • Enjoy 5X rewards on exceeding the spending milestone of ₹4 Lakhs 
  • Get up to 15,000 accelerated reward points during the anniversary year
  • Enjoy additional benefits, such as zero-liability facility, credit card insurance, global access, etc.

ICICI Platinum Chip Credit Card

  • Earn 2 reward points per ₹100 spent on retail purchases except fuel
  • Get a 1% fuel surcharge waiver on fuel transactions of up to ₹4,000 at HPCL pumps
  • Enjoy secure transactions with built-in chip technology for contactless payments

IDFC FIRST Select Credit Card

  • One of the best rewards credit cards in India with unlimited rewards and perks
  • Enjoy 10X reward points when you cross monthly spends of ₹25,000 and on your birthday
  • Get multiple benefits, such as low forex markup fees, minimal interest rates, complimentary domestic airport lounge access, etc. 

Tips to Choose a Free Credit Card

Here are some tips for getting your preferred free credit card without any hassle:

  • Check your credit score before applying to avoid rejection or delays
  • Know which types of credit card you want based on your needs
  • Look for those features and benefits that match your credit card requirements
  • Compare the fees and charges and opt for a card variant with the lowest rates
  • Choose the card with the best reward structure
  • Assess if the issuer levies additional fees when you redeem rewards
  • Check the minimum income and other eligibility criteria mentioned by the issuer

With these tips, you can easily choose a suitable option from the list of the best lifetime free credit cards. One such option is the One Credit Card. You can get quick approval online and activate your card in less than 5 minutes. Also, there are no hidden fees and charges, minimising your borrowing costs. 

What’s more, you can manage your spends and rewards easily on the powerful One Credit Card app. With this card, you can enjoy exclusive perks while being able to spend confidently. So, apply online for One Credit Card and reap maximum benefits.

By guestpost013

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