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Federal BankICICI Bank is among the largest private-sector banking institutions in the country and is second only to HDFC Bank in market capitalization and revenue. The bank has a host of services and products for customers, along with a great range of credit cards for individuals with different needs and requirements. You will find some exceptional super-premium and mid-range cards by the bank, but if you are a first-time user, then you should opt for ICICI Bank Lifetime Free credit cards. Some cards offer welcome benefits equal to the joining fees, and some cards offer a spend-based annual fee waiver. However, with a lifetime free credit card, you do not need to pay any joining or annual fee.
If you do not require high-level benefits and rewards from your card, then a lifetime free credit card will be really useful to you. You can build a decent credit profile and boost your credit score through it. In this article, we will read about ICICI Bank lifetime free credit cards and some other cards that are available at Rs. 500 or less joining fees.
Table of Contents
List of LTF ICICI Bank Credit Cards
Fees
Joining Fee
Renewal Fee
Best Suited For
Dining
Reward Type
Reward Points
Welcome Benefits
Card Details +
One of the best lifetime free credit cards in our country, the Platinum Chip card by ICICI Bank, does not charge any joining or annual fee from the cardholders. You have a chance to make savings on almost every spend and earn decent reward points while doing so. It does not have benefits like some other super-premium and mid-range cards, but it still offers plenty of benefits to cardholders even though it is an entry-level credit card.
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Cashback
Welcome Benefits
Card Details +
Launched in collaboration with Amazon and ICICI Bank, this credit card works on the Visa network and comes with no joining or annual fee. It is one of the top credit card choices in India for online shopping lovers, and it used to be invite-only but is open to everyone now. You receive cashback as Amazon Pay balance, and Amazon Prime members get maximum cashback on spends. If you are a loyal Amazon customer, then the card is made for you.
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Card Details +
This credit card has been designed specifically for individuals who have dedicated their lives to serving the country. The soldiers of the Indian Army or any other forces of the country can now avail credit whenever they need it, using these credit cards. In addition, they can earn rewards for their daily expenses. With the ICICI BANK PARAKRAM SELECT Credit Card, cardholders can earn 5X rewards points on their expenses for groceries, department stores, and CSDs (Canteen Store Departments). They can also get complimentary domestic airport and railway lounge access every year. Furthermore, they will be eligible for golf rounds upon reaching a milestone every month.
ICICI Bank Credit Cards – Joining Fee Below Rs. 500
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
This credit card is co-branded by HPCL and ICICI Bank and even though it is a fuel credit card, it offers reward points on multiple spend categories. The card charges a nominal joining fee of Rs. 500 and offers a welcome benefit and bonus reward points to the cardholder. Apart from travel, you get many other privileges like lounge access, movie and dining discounts, and much more with the card.
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Card Details +
Another co-branded card by HPCL and ICICI Bank, this variant is available on the Visa card network and has a low joining fee of Rs. 200. You get rewarded for almost all spends made with the card, and your reward points can be redeemed against multiple products or vouchers and against fuel purchases. Even though it is a fuel card, you get multiple privileges and benefits across other categories with the HPCL Coral credit card by ICICI Bank.
Benefits of ICICI Bank Lifetime Free Credit Cards
The following are the benefits offered by ICICI Bank lifetime free credit cards and other low joining fee cards –
- Lifetime free cards do not come with any joining or annual fees and are available free of cost.
- The application process for these cards is quite convenient and quick. You just need to enter the necessary details and provide your documents to successfully apply for the cards.
- Even though the cards do not charge any fees, you still get plenty of privileges and benefits with these credit cards.
- Enjoy exclusive benefits across lifestyle, travel, fuel, dining, movies, entertainment, and other categories.
- Most of these credit cards offer a high reward rate on your spends, and you can redeem these points against a variety of options.
- These credit cards can be used to complete many tasks, and they are perfect for improving your credit profile and building a decent credit score.
Eligibility Criteria for Lifetime Free ICICI Bank Credit Cards
Before you apply for lifetime free credit cards from ICICI Bank, make sure you meet the following eligibility requirements –
- The applicant must be a citizen of India.
- The applicant must be 21 to 60 years of age in the case of salaried and 21 to 65 years of age in the case of self-employed.
- The applicant must have a decent credit score.
- The applicant must have a stable source of income.
Credit Cards Comparison
In the following table, we will compare some of the best and most popular ICICI Bank lifetime free and some other affordable, low joining fee credit cards.
| Category | ICICI Bank Platinum Chip Credit Card | Amazon Pay ICICI Bank Credit Card | ICICI Bank HPCL Coral Credit Card |
| Joining/Annual Fee | Nil | Nil | Rs. 199 plus taxes |
| Welcome Benefit | NA | Get welcome benefits worth Rs. 1500 plus 3 months Amazon Prime membership | NA |
| Reward Earning | Earn 2 Reward Points for every Rs. 100 spent on retail transactions. Earn 1 Reward Point on every Rs. 100 spent on insurance & utilities. | 5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases | Save 3.5% on fuel transactions (2.5% cashback and 1% fuel surcharge waiver). Get 2 Reward Points on every retail spend of Rs. 100. |
| Reward Redemption | Reward points can be redeemed against a variety of gifts, products, or vouchers, and against card statement balance, where 1 reward point = Rs. 0.25 | Reward Points earned are automatically transferred to the Amazon Pay balance at the end of the payment cycle. 1 Reward Point = Re. 1 | Reward Points you earn can easily be redeemed against several products, vouchers, etc., available at www.icicibank.com, where 1 RP = Rs. 0.25 |
| Dining/Movie Benefits | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program | Up to 15% discount at 2500+ restaurants in India through the ICICI Bank Culinary Treats Program 25% discount on movie tickets via BookMyShow on a minimum purchase of two tickets. |
| Spend-Based Waiver | N/A | N/A | Renewal fee can be waived on spending Rs. 50,000 or above in the previous year |
Bottom Line
Being one of the top private sector banking institutions in the country, ICICI Bank has countless products and services to its large consumer base across the nation. Customers from all walks of life, with different financial needs and requirements, prefer ICICI Bank credit cards. In the above article, we read about the top ICICI Bank lifetime free credit cards, which you can get without paying any annual or joining fees.
Understandably, these lifetime free credit cards are not as packed with features as some super-premium variants, but they still offer multiple benefits and privileges to cardholders. You can enjoy benefits across various categories like travel, lifestyle, fuel, shopping, dining, movies, and more. These cards are perfect for individuals who want a basic card to develop their credit score and credit profile for better credit opportunities in the future.
We even read about some other credit cards by ICICI Bank that are quite affordable, with joining fees lower than Rs. 500. Head over to the comments section to tell us about your experience with using any of these cards or if you plan on getting any of the above lifetime free or low budget ICICI Bank credit card.
FAQs:
- 2 RPs per Rs. 100 spent on retail
- 1 RP per Rs. 100 spent on utilities and insurance
- Secured card issued against a fixed deposit with the bank
- 2 RPs per Rs. 100 spent with the card along with some exclusions
- 1 RP per Rs. 100 spent with the card on fuel
- 5% cashback for Amazon Prime members on all Amazon purchases
- 3% cashback on their Amazon purchases by Non-Prime users
- 2% cashback using the card on Amazon Pay at more than 100 partner merchants
- 1% cashback on retail spends other than fuel
- ICICI Bank HPCL Super Saver Credit Card
- ICICI Bank HPCL Coral American Express Credit Card
- ICICI Bank HPCL Coral Credit Card
- ICICI Bank HPCL Platinum Credit Card
- Head over to the official ICICI Bank website
- In the top menu bar, hover your cursor on ‘Cards’ and then click on ‘Credit Cards’ in the drop-down menu
- Go through the list of all available credit cards and click on ‘Know More’ next to the card you want to apply for
- Go through the details and information related to the credit card and then provide the necessary details and documents to complete your application
Find the perfect credit card in India by comparing the most rewarding options in one place!
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