Credit cards can be pretty useful in case of emergencies and big purchases if used smartly. This financial tool increases your purchasing power. This tool can help you pay for almost everything.
However, every bank has rates for credit cards, depending on the category the card falls in. There are different cards in the market such as travel cards, fuel cards, shopping cards, etc. These credit cards are further categorized into beginner/entry-level credit cards, basic credit cards, and premium and super-premium credit cards.
ICICI Bank also has credit cards for every category. And there is a big difference in the prices if we compare an entry-level credit card with a super-premium credit card. The rates vary from each other. But most people do not wish to pay annually and it can also be a little frustrating to keep it in mind every year. For this reason, ICICI Bank has some credit cards under a lifetime-free scheme.
There is spent based renewal scheme as well, which can make your credit cards free for a lifetime under a certain condition. Here let’s have a look into the lifetime free credit cards by ICICI Bank –
1. HPCL Coral ICICI Bank Credit Card – This is an excellent card for beginners. This credit card will give you access to domestic airport lounges as a complimentary offer with many discounts and other benefits. This credit card is certainly more convincing for beginners because it has more benefits than the other entry-level credit card present in the market.
This credit card also has an inbuilt chip-in for security enhancements and can give you a grace period of 18 days to 48 days. The rewards rate program is also pretty decent, you get Rs. 100 cashback on fuel from any HPCL petrol pump with a minimum bill of Rs. 500 or more.
2. Instant Platinum ICICI Credit Card – This Instant Platinum Credit Card is very secure and well-suited for unemployed individuals such as homemakers, students, and beginners. This credit card can be issued under the condition that the cx has to open a fixed deposit with the bank.
This credit card can be availed at Zero annual fees and offers replacement and global emergency service support to its users. The points which you can accumulate with this credit card can be used against a variety of options available with the bank.
3. Chip Platinum ICICI Credit card – This is also a beginner’s credit card designed to give flexibility, convenience, and extra security to customers. This credit card is very well-suited for dining, shopping, and traveling with a bunch of exclusive benefits.
This credit card has global service support and the reward points can be redeemed against a variety of rewards.
These above-mentioned credit cards by ICICI Bank fall under a lifetime free program, however, to apply for them you will have to fulfill certain criteria. These criteria are specified and managed by the bank itself. There are many other credit cards apart from the above-mentioned which you can get for free under certain conditions. These types of credit cards fall under the spend-based waiver program. These above
