Credit card!! Many people want to know about free credit cards. Many people want to know about the free credit cards in India which are issued with some good amount of benefits.
In this blog, we will get to know about four best lifetime free credit cards where we don’t have to pay any joining fee or annual fee. We will get to know about free credit cards other than the credit cards issued on FD like One Card or Paisa bazar Step up Credit cards.
Let’s get to know about four best lifetime free credit cards one by one….
1. IDFC FIRST MILLENNIA CREDIT CARD
● Eligibility
👉 To get this credit card your age must be 18 years or above.
👉 Your monthly income should be at least Rs.25000.
👉 If you are customer of IDFC First Bank already and you are doing good amount of transactions in 6 months then you can get IDFC FIRST MILLENNIA CREDIT CARD on pre-approval.
● Benefits
If you’re doing monthly online transaction upto Rs.20000 using this card, then you will get 6X reward points per Rs.150 transaction.
If you’re doing monthly online transaction more that Rs.20000 using this card, then on the amount excelling Rs.20000 you will get 10X reward points per Rs.150 transaction.
NOTE:- One reward point is equal to 25 paise. These reward points never expire.
If you do transaction upto Rs.15000 within 90 days of issue of this credit card then you will get a welcome voucher worth Rs.500.
If you make the first transaction of your first EMI within 90 days of card generation using this credit card, then you will get 5% cashback (upto Rs.1000).
If you book movie tickets on Paytm using this credit card, then you will get 25% discount upto Rs.100 (valid once per month)
You will get 4 complimentary Railway lounge visits quarterly using this card.
You will get roadside assistance worth Rs.1399.
You don’t have to pay the surcharge fees at fuel stations when you’ll use this credit card to pay at that particular fuel station.
You will get upto 300+ Merchant offers, all year long. You will get up to 20% discount at 1500+ restaurants. You will get upto 15% discount at 3000+ health & wellness outlets.
You will get Personal Accident Cover of Rs.2,00,000* and lost Card Liability Cover of Rs.25,000.
IDFC FIRST MILLENNIA CREDIT CARD IS LOW ON CHARGES AND VERY HIGH ON BENEFITS!
With this card you get interest free cash withdrawals upto 48 days on Domestic and International ATMs (Cash advance fee of only Rs.250 per transaction).
You don’t have to pay any annual fee.
You’ll have to pay Low interest rate (APR), from 0.75% to 3.5% per month (9% to 42% per annum).
OVL Charges- You have to pay 2.5% of the over-limit amount subject to a minimum charge of Rs.500.
Late payment fee- you’ve to pay 15% of Total Amount Due (subject to a minimum of Rs.1000 and a maximum of Rs.1250).
2. AMAZON PAY ICICI BANK CREDIT CARD
Amazon pay ICICI Bank credit card is by far the best lifetime free credit card. It is totally free. Its reward points also don’t expire.
● Benefits
👉 If you’re an Amazon prime member and when you buy something from Amazon you will get 5% cashback and if you’re not an Amazon prime member then you will get 3% cashback if you buy something using this card.
👉 If you use this card on Amazon Pay and you earn 2% cashback on the payments to 100+ partner merchants.
👉 If you make transactions in some other categories like shopping, dining, or fuel using this card then you will get 1% cashback and all the reward points you’ll get will be added to your Amazon pay account.
NOTE: – One reward point of this card is equal to one rupees.
To get this credit card you can apply on Amazon’s official application.
3. KOTAK FORTUNE GOLD CREDIT CARD
● Eligibility
👉 Age should be between 21-65 years.
👉 Income should be at least Rs.3 lakh per annum.
👉 Should be resident of India.
👉 For businessmen only.
● Benefits
👉 Here you get interest free cash withdrawal.
👉 You get higher cash limit (50% of your credit limit)
👉 If you withdraw cash using this card then you’ve to pay Rs.199 per Rs.10000 as cash advance fee.
👉 Upto 48 days you don’t need to pay any interest.
👉 If you do fuel transaction between Rs.500 to Rs.3000 you will get 1% fuel surcharge waiver.
👉 In a year you will get upto Rs.3500 as fuel surcharge waiver.
👉 You can also transfer balance to different person using this card, but you will be charged Rs.340 per Rs.10000 balance transfer.
👉 You get lost Card Liability upto Rs.50,000 on this card. You need to call on their customer care number (1860 266 2666) to deactivate or block your card. You should register a claim with the Insurance company.
👉 If you spend around Rs.1,50,000 in a year using this card, then you get 4 complimentary PVR tickets or you get cashback of Rs.750.
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4. HSBC VISA PLATINUM CARD
● Eligibility
👉 Your age should be between 18-65 years.
👉 Minimum income should be Rs.4,00,000 per annum.
● Documents required
👉 Your salary slip / certificate you are a MNC employee.
👉 A copy of front side of your credit card and the latest statements of credit card if you have other credit card.
👉 Copy of your three months bank statement.
👉 Proof of residence, identity, and PAN NUMBER.
● Benefits
👉 No joining and annual fee.
👉 You get benefits up to Rs.6,350 with 3 airport lounge access at domestic and international lounges.
👉 You get to save annually on fuel surcharge up to Rs.3,000.
👉 If you make transaction using this card Under 30 days of issue of this card, then you get many welcome benefits like….
- you get a Swiggy voucher worth Rs.250.
- You get an Amazon voucher worth Rs.500.
👉 You get 3 complimentary airport lounge access at domestic and international lounges or 3 meal-vouchers*.
👉 You also get cashback of 10% upto Rs.2,000.
👉 If you book two movie tickets on bookmyshow mobile app using your HSBC CREDIT CARD on Saturday then you’ll get one movie ticket free.
Well, these are the best four lifetime free credit cards. Please let us know in the comment box if you have any of these credit cards.