Free, free, free. Everyone loves these three words. Everyone is eager to hear it, whether ordering something online, passing by free samples, or getting free gifts on our purchases. Free things are the diamonds of all our eyes. This same can be said when it comes to credit cards. Mostly, everyone wants a lifetime free credit card. These cards come with zero joining and annual charges. Forget annual deductions for features and use your card in peace. Those with LTF credit cards can enjoy the full benefits of the cards without having to pay. These cards can be a great tool for savings if we follow the correct usage and payment method.
Benefits of Lifetime Free Credit Cards
- Attractive Rewards
Lifetime free cards are not only free from charges but also offer decent rewards. While these cards might not provide the extensive benefits of premium cards with high annual fees, they often deliver substantial value without any extra cost. - Save on Costs
With no annual or joining fees, lifetime free cards help you save on recurring costs. - Improved Credit Score
A lifetime free credit card can be easily kept in your wallet and used periodically. Making regular payments demonstrates responsible behavior, which can improve your credit score.
Popular Lifetime Free Credit Cards
Here are some of the most popular LTF cards in India.
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card is one of the most popular cashback cards in India. This is a lifetime free credit card with zero charges for joining and annual renewal. It offers a 5% cashback on Amazon purchases for Prime members, while non-Prime members receive a 3% cashback on Amazon purchases. Additionally, this card provides great joining benefits valued at over ₹2,000, which is especially beneficial since you haven’t paid any fees.
IndusInd Bank Legend Credit Card
The IndusInd Bank Legend Credit Card is a simple rewards credit card. With this card, users get 1 Reward Point per ₹100 spent on weekdays and 2 Reward Points for every ₹100 spent on weekends. One of the most attractive features of this card is the BOGO offers on movie ticket bookings made with BookMyShow.
Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is a lifetime free offering from Axis Bank, providing decent rewards and attractive discounts on popular brands. With this card, you can enjoy special discounts such as:
- 10% off (up to ₹250) on a minimum spend of ₹750 on Blinkit once a month.
- 10% off on a minimum shopping of ₹500 on Myntra.
Additionally, you earn 1 EDGE REWARD point for every ₹200 spent. A standout feature of this card is its ability to be linked to UPI apps.
AU LIT Credit Card
AU LIT is India’s first customizable credit card. You pick your own features and pay for them. There are no joining or annual fees, but you would have to pay for the features you choose, such as airport lounge access, accelerated reward points on select categories, and cashback on certain spends.
Bottom Line
Lifetime-free credit cards are everyone’s dream. While the above-given cards are lifetime-free, there are many other cards that are offered with zero joining and annual charges to users. These are specific offers sent out to users based on their relationship with the bank or issuers. Recently, many users reported receiving the Swiggy HDFC Bank Credit Card as lifetime-free, which led to the card’s huge popularity. HDFC Bank even offers Millennia Credit Card as LTF to some users. The popularity and advantages of lifetime free cards are such that people who get such offers usually avail of them. These are most beneficial for entry-level users and beginners on their credit journey.