What are the Advantages of Lifetime Free Credit Cards?

This type of credit card doesn’t require any joining or annual fees. It means your credit card keeps active without any annual payment. Just make sure the monthly bills are paid on time so there is no penalty. This credit card works similar to any other standard credit card. So you will get the credit card reward programme benefits on a lifetime free credit card as well. Let’s check out some of the popular credit cards in this category and see how they will help you save money.

How does this Lifetime Free Credit Card Work?

When you receive your credit card from the lender, call the toll-free number and activate the same. Once your card is activated, it is ready to use for shopping, bill payments, etc. You can activate the card by yourself as well by logging in to the credit card portal using the card number and other details. Once you enter the details, an OTP will be sent to your registered number. Enter the same, so now it is confirmed that the credit card holder is the one who is trying to activate the credit card. So the same will be initiated by the lender and you will receive an SMS once the process is completed. The card is not activated already so no one can misuse the information on your card.

Which are the Best Lifetime Free Credit Cards in India?

Below are the lifetime free credit cards offers, check out the same and see how they’ll be helpful for you once you get them –


This card is provided to you by the IDFC First Bank and the following are its features –

  • 10 times points if you spend INR 25,000 per month 
  • 10 times points upon using the credit card on your birthday
  • 6 and 3 points on online and offline purchases, respectively in the case of a total spend of INR 25,000 per month.
  • 4 complimentary domestic airport lounges and 4 complimentary railway lounges

Note – Can convert INR 2,500 transaction into EMIs by logging in to the IDFC mobile app. 

HSBC Visa Platinum Credit Card

From this lifetime free credit card of HSBC Bank, you will get an introductory benefit of up to INR 6,350. And three complimentary airport lounge access at both domestic and international lounges. There are also three AirDine vouchers for your meals. You can convert your air miles on InterMiles, British Airways and Singapore Airlines.

You can avail of five times rewards on retail purchases made after crossing the spending amount of INR 4 Lakh. And there are 15,000 accelerated reward points available to the cardholder in an anniversary year

Up to INR 3,000 annual savings are done on fuel surcharge, so there is your saving on fuel as well.

Amazon Pay ICICI Bank Credit Card

If you become an ICICI Bank Credit Card customer, this Amazon Pay Card will give you exclusive privileges like –

  • 15% savings on dining bills through our Culinary Treats Programme
  • Waiver of 1% on fuel surcharge payment when you use the credit card for the refill 
  • There is no limit or expiry date on the accumulated reward points  
  • You can start earning rewards using the amazon Pay Card by shopping from the Amazon official website or its partner brands
  • With the no-cost EMI facility on Amazon, you can convert your purchase into EMI payment for over three and six months. 
  • 5% cashback offer for the prime members

So now that you know about the lifetime free credit cards and also learned about the top credit cards under this category. So apply for the same. For Amazon ICICI Credit Card visit the bank’s official website and fill in an application form. If your profile finds suitable for the credit card, the same will be approved and notified to you.

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