Lifetime Free Credit Cards: The Zero Annual Fee Prodigy

Credit cards are the most sought-after financial instruments that not only provide funds to support your expenses, but also offer a range of privileges. They offer numerous perks such as shopping discounts, travel benefits, lifestyle privileges, entertainment offers, and much more. On the basis of your spending habits and expense type, you can choose from a variety of credit cards. 

While all credit cards are equipped with exciting perks, having to pay an annual fee can sometimes seem like a turn off. That’s when a lifetime free credit card comes into play. These credit cards are independent of any annual or joining fee. If you are a first-time user, a student or have never borrowed any credit so far, these credit cards are an ideal choice for you. 

Lifetime free credit cards not just eliminate the need for an annual fee, but also provide a gamut of benefits without a cost. They are extremely simple to apply for. You can easily apply for the credit card online or opt for an offline mode. 

Here’s a list of lifetime free credit cards that you can consider getting this year:

IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card provides travel benefits, fascinating rewards, and attractive offers all year long. The card offers a welcome voucher of ₹500 if you spend ₹15,000 and above within the first three months of the card’s issuance. Additionally, on your first EMI transaction, you can get a cashback of up to 5%, amounting to ₹1000. 

Furthermore, through this card, you can get reward points of up to 10X on spending ₹25,000 and above on incremental spends every month. These reward points do not have an expiration date, which implies that you can accumulate and redeem them at any time. You can also enjoy domestic and international cash withdrawals without any interest for the first 48 days. 

Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card offers great cashbacks to users of Amazon Prime. The cashback thus earned is credited to your account as Amazon Pay Balance which you can further use for your purchases. Through this card, prime users can enjoy a cashback of 5% on amazon spends. Non-prime users can enjoy a 3% cashback on Amazon. 

On shopping at merchant stores partnered with Amazon Pay, you can get up to 2% cashback. On all other spends, a cashback on 1% will be applicable. At restaurant partners across India, you can get up to 15% discount. The card also offers a 1% waiver on fuel surcharge at all petrol stations throughout the country. 

IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card provides increased rewards on shopping online. The reward points you earn do not expire, and therefore, can be accumulated and redeemed for significant benefits. Through this card, on online spends of ₹20,000, you can get up to 3X rewards. Similarly, on offline spends of ₹20,000, you can get up to 6X rewards. On attaining the ₹20,000 milestone, you can get rewards of up to 10X across all categories. 

This card also has a welcome benefit of ₹500 on spends of ₹50,000 made within the first three months of the card’s activation. Additionally, if you book movie tickets through the Paytm mobile app, you can get a discount of 25%, amounting to ₹100. 

ICICI Platinum Chip Credit Card
If you are a first-time credit user and need help to build your credit score, the ICICI Platinum Chip Credit Card is the one for you. On every ₹100 that you spend on insurance and utilities, you can earn one reward point. On every ₹100 spent on other categories, excluding fuel, you get two reward points. 

You can explore the products and vouchers on the ICICI Rewards Catalogue and redeem your accumulated rewards against them. At HPCL stations, you can get a waiver of 1% on fuel surcharge on transactions of up to ₹4,000. At the 2,500 restaurants partnered with the card, you can get a discount of up to 15%. 

Dhanlaxmi Bank Platinum Credit Card
The Dhanlaxmi Bank Platinum Credit Card focuses on giving you exciting cashbacks on daily transactions such as departmental store and supermarket purchases. Through this card, you can get a cashback of up to 5% on purchases made at supermarkets and departmental stores. 

Moreover, the card also offers platinum card privileges on various categories. Complimentary insurance cover, online concierge service, worldwide customer assistance, etc. are some of the perks that the Dhanlaxmi Bank Platinum Credit Card provides. 

HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card offers attractive travel and shopping benefits. This credit card is known for its movie vouchers and cashbacks on achieving the spending milestone. As an introductory offer, the card provides a ₹500 Amazon voucher and a ₹250 Swiggy voucher. Additionally, you can get access to complimentary domestic and international airport lounges for up to three times or get 3 vouchers of AirDine. 

You can get a 10% cashback on making 5 or more transactions that total to ₹10,000, within 90 days of your card’s issue. On achieving the ₹4 Lakh yearly milestone, you can get rewards of up to 5X on subsequent purchases. If you book tickets on a Saturday through the BookMyShow app, you will be eligible for one free second ticket on the first one. 

Now that you know about the benefits of a lifetime free credit card, you can apply for the credit card online, without any hassle. All you need to do is visit the official website of your desired credit card company and opt for a card of your choice. If you are inclined towards traditional means, you can apply for the credit card by visiting the branch in person.