What Is A Lifetime Free Credit Card?

Credit card is used by most people today, and it is also increasing rapidly in terms of new customers. Banks and other financial companies offer credit cards with different offers in the market. One of these is the Lifetime free credit card offer. Customers, especially those thinking of taking a credit card first, can go for this kind of credit card.

What Is A Lifetime Free Credit Card?

There are mainly two types of charges on credit cards. One is the joining fee, and the other is the annual fee. But if any bank or financial institution is offering you Lifetime Free Credit Card, then it means that you do not have to pay any of these charges. You do not have to pay the annual maintenance charges on the card. The rest of the rules will be applicable. Make sure to do a thorough investigation before taking such a card.

Benefits Of Using Lifetime Free Credit Card

One of the crucial benefits of a lifetime free credit card is that it would cost you no money as you don’t have to pay any joining or annual fee for getting and using this card. It also provides discounts on various amenities such as fuel surcharge, selected restaurants, movie tickets, and others. Apart from the discounts, you can also get cashback using a lifetime free credit card. The credit card holder of these cards also gets reward points that they can spend to buy things available in the reward catalogue of the particular credit card.

List of top 4 Lifetime Free Credit Card You Can Try.

HSBC Visa Platinum Card

HSBC Visa Platinum Card is a lifetime free credit card in which you do not have to pay a joining fee and renewal fee. Not only this, but you also get many types of benefits from this credit card. For example, if you make five payments of ₹10,000 – ₹10,000 within 60 days of taking a credit card, you are given a cashback of up to ₹ 2000. Apart from this, you also get reward points in many ways here.

Kotak Fortune Gold Credit Card

Kotak Fortune Gold Credit Card is also a great life free credit card where you don’t have to pay any charges. There are multiple benefits that this card equips. You can withdraw 50% cash from any ATM of the credit limit through this credit card. You also get discounts on fuel surcharge and railway ticket booking surcharge through this card, and in case you lose your card, you also get a Credit Shield cover worth ₹ 50000. Those who would spend 1.5 lakh rupees in one year will also get four tickets of PVR free. One who has an annual income of more than 3 lakh and is of age between 21 to 65 years can apply credit card online.

Axis Insta Easy Credit Card

Issued against a fixed deposit amount of a minimum of Rs. 20,000 and a maximum of Rs. 25 lakh, the Axis Insta Easy Credit Card is very suitable for people with no credit history. This card is also a lifetime free credit card with zero joining and renewal fee. You can set a flexible credit limit to extend 80% of the fixed deposit with this card. Most importantly, it allows 100% cash withdrawal of the credit limit. You can also get offers on fuel surcharge up to 1% and a 15% wavier on food bills at restaurants.

SBI Unnati Credit Card

Issued against a minimum fixed deposit amount of Rs. 25,000, SBI Card Unnati is suitable for people who want to get their first credit card. It is a lifetime free credit card with zero joining fee and no renewal charges for the first four years. You get one reward point for just spending Rs. 100 and a cash-back of Rs. 500 for spending Rs. 50,000 a year. You can use the reward points for various gifts available in the rewards catalogue.

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