Today in the 21st century people are excited about owning a credit card. They want minimal fees and maximum advantages. Lifetime Free Shopping Credit Cards, as the name suggests, do not impose an annual fee for their usage. This means that cardholders are not burdened with an additional cost each year to retain the credit card and its associated privileges. Opting for such cards can lead to long-term savings as users are not required to pay for the privilege of possessing the card. Additionally, these cards often provide perks such as reward points, cashback offers, and discounts on purchases, akin to other credit cards. Nonetheless, it remains crucial to utilize them judiciously and settle outstanding balances promptly to circumvent accruing interest charges.

Lifetime Free Shopping Credit Cards

Best LTF Shopping Credit Cards

Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Bank Credit Card

One of the most popular credit cards among Amazon shoppers, the Amazon Pay ICICI Bank Credit Card is co-branded. With a partnership between ICICI Bank and Amazon, this credit card is lifetime-free with no annual charges for its customers. This card is best for loyal Amazon users as it provides various benefits and rewards to Prime users for shopping, dining, etc. This credit card is famous because cardholders get cashback on all their purchases made on Amazon. The cashback earned is directly added to their Amazon wallet. This card includes welcome benefits, free Prime membership, discounts at restaurants, fuel surcharge waiver for its cardholders. The features of the Amazon Pay ICICI Bank Credit Card are as follows:

  • This card provides a 5% cashback on Amazon purchases for Prime members, 3% cashback for Non-Prime members, 2% cashback on partner brands, and 1% cashback on all other payments except fuel purchases.
  • As a welcome benefit, you get cashback and discounts up to Rs. 2,000 and a free 3-month Amazon Prime Membership.
  • Reward points are transferred as cashback to the Amazon Pay balance.
  • A 15% discount on dining bills at all restaurants participating in ICICI Bank’s Culinary Treats program is provided with this card.
  • A 1% fuel surcharge waiver at all fuel stations across India

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

The IDFC First Millennia Credit Card is a lifetime-free credit card that is specifically made for millennials. It offers welcome benefits, including an e-gift voucher and cashback on the first EMI transaction, as well as attractive movie offers, dining benefits, and free access to railway lounges, making it a well-rounded choice for various lifestyle preferences. This card provides reward points for both online and offline spending, making it an all-rounder for various purchasing habits. The features of the IDFC FIRST Millennia Credit Card are as follows:

  • As a welcome benefit, you get 5% cashback on all EMI transactions that are made within the first 90 days of card issuance.
  • With this card, you get 10 reward points for every Rs. 100 you spend on your birthday.
  • You get 6X reward points on online purchases, 3X reward points on offline purchases up to Rs. 20,000, and 10X reward points on incremental spending above Rs. 20,000.
  • You get 1 Reward Point on every other spend of Rs. 100.
  • Up to 20% off dining bills is available at more than 1,500 participating restaurants across the country.
  • You get a discount of 25% (up to Rs. 100) on movie tickets on Paytm movies once every month.
  • Enjoy 4 complimentary railway lounge access every quarter.
  • This card also offers insurance benefits, including a personal accident cover worth Rs. 2 lakhs and a lost card liability cover worth Rs. 25,000.
  • You get a 1% fuel surcharge waiver at all fuel stations with the maximum waiver capped at Rs. 200 per month.

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card

Axis Bank Neo Credit Card is an excellent option for millennials looking for a credit card without an annual fee. This credit card offers discounts, cashback, and reward points on shopping, dining, and entertainment. One of the standout features of this card is the 100% cashback you can get on your first utility bill payment, up to ₹300. This can be a nice little bonus when setting up your card for the first time. It’s especially appealing if you enjoy these specific benefits and seek a cost-effective way to access them. The features of the Axis Bank Neo Credit Card are as follows:

  • One of the best lifetime-free credit cards even though it is an entry-level card.
  • The welcome benefit includes 100% cashback up to Rs. 300 on utility bill payments if you make the first transaction within the first 30 days from the card set-up date.
  • Get a 10% discount on movie tickets via BookMyShow capped at Rs. 100 per month.
  • Earn 1 EDGE reward point on every Rs. 200 spent which can be redeemed at the Edge Rewards Website.
  • You get 5% off up to Rs. 150 on mobile/broadband and DTH recharge through AmazonPay every month.
  •  Enjoy 40% off on ordering food worth Rs. 200 and above from Zomato twice a month with a discount capped at Rs. 120. Just use the coupon code AXISNEO to avail of the discount.
  • The Axis Bank Neo Credit Card is available in the RuPay variant, so you can link this card to your UPI application and make easy payments through your mobile phones.
  • You get a 1% fuel surcharge waiver at all fuel stations for all fuel transactions between Rs. 400 and Rs. 4,000 capped at Rs. 400 per month.

IndusInd Legend Credit Card

IndusInd-Legend-Credit-Card

One of the most popular cards from the IndusInd Bank, the Legend credit card is a lifetime-free card with no joining or renewal fees making it one of the best credit cards in the market. This card offers a range of benefits with its main focus on shopping and traveling. This card provides free visits to domestic airport lounges once every quarter and cardholders enjoy a monthly BOGO offer on movie tickets up to Rs. 200 through BookMyShow. You can earn 4,000 bonus reward points on spending Rs. 6 lakhs or more within one year from the card issuance date. The features of the Legend Credit Card are as follows:

  • With no annual charges, the Legend is a lifetime-free credit card.
  • 1 reward point for every Rs. 100 spent on weekdays and 2 reward points for every Rs. 100 spent on weekends which can be redeemed for InterMiles, cash credit, or Club Vistara points.
  • This card provides one complimentary domestic lounge access every quarter for its cardholders which is very rare for a lifetime free credit card to do so.
  • BOGO on movie tickets up to Rs. 200 through BookMyShow every month.
  • This card provides a 1% fuel surcharge waiver at every fuel station in India.

Bank of Baroda (BoB) Easy Credit Card

Bank-of-Baroda-Easy-Credit-Card

BoB Easy Credit Card is an entry-level credit card best suited for shopping enthusiasts. This is a simple and affordable card with no annual fee making it an attractive option for potential cardholders. You can earn reward points on spending at movies, groceries, departmental stores, and other categories. The card also comes with UPI linking for easy payments and offers benefits like zero liability protection on lost cards. The features of the BoB Easy Credit Card are as follows:

  • This is a lifetime free credit card with no annual charges.
  • Since it is of the RuPay network you can link this card with UPI applications like Google Pay, Paytm, etc. for hassle-free transactions.
  • Earn 5x reward points on spending at movies, groceries, and departmental stores.
  • Earn 1x reward points on all other categories.
  • There will be a 1 % fuel surcharge waiver on fuel transactions between Rs. 400 and Rs. 5000 at all petrol pumps across India, capped at Rs. 250.

Bottom Line

In conclusion, Lifetime Free Shopping Credit Cards offer a great way to enjoy the benefits of credit cards without the burden of annual fees. These cards provide various perks such as cashback, reward points, and discounts on shopping, dining, and entertainment. It’s important to choose a card that matches your spending habits and lifestyle to maximize the benefits. With responsible usage and timely payments, these lifetime free credit cards can be a cost-effective and convenient financial tool.

Whether you’re a loyal Amazon shopper, a movie buff, or someone who enjoys dining out, there’s a lifetime free credit card made to meet your needs. Always remember to review the terms and conditions of each card carefully to make an informed decision. Ultimately, these cards can be a valuable addition to your financial portfolio, providing convenience and savings without the worry of annual fees.

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