Lifetime Free Credit Cards

No annual fee credit card is the credit card issued by banks on which account holders do not have to pay any joining fee or annual fee for lifetime. If you are new to credit cards or beginners, then go for no-annual-fee credit cards. The solid offers that are part of lifetime free credit cards are cashbacks, travel rewards, and others with great benefits.

We've analyzed all the free credit card options out there to present you with the best choices based on your preferences.

Best Lifetime Free Credit Cards

1. Bank of Baroda Prime Credit Card

Bank of Baroda Prime credit card is best suited for people who are looking to avail of the cashback. With zero annual and joining fee, this card is best when it comes to basic day-to-day use.

Main highlights of Bank of Baroda Prime Credit Card

• Minimum Fixed deposit requirement- Rs 15000 per month
• Earn 1% cashback on all spending (in the form of 4 Reward Points = Re. 1)
• Redeeming the reward points against the cash credit and other exciting options
• Availing of the complete fuel surcharge waiver up to Rs. 250 per month
• Get transactions of above Rs. 2,500 into easy EMIs

2. RBL Insignia Preferred Banking World Credit Card

The RBL Insignia Preferred Banking World card is designed for high-net-worth individuals who want to live a life of luxury. It is one of the best life-time free credit cards offered by RBL bank. Best suited for premium travel.

Annual fee- NIL

Main highlights of RBL Insignia Preferred Banking Worldwide Credit Card

• Get 5 rewards points for every Rs 100 spent domestically
• Earn 10 Reward Points for every Rs.100 spent internationally
• Get Priority Pass Membership and 6 free lounge visits around the world in a year
• Get Rs. 500 off on Movie tickets via BookMyShow every month.
• Get free golf rounds in a year, one golf lesson per month, and a 50% discounted green fee.
• Get personalized hospitality and special experiences at partner restaurants. Some partner restaurants are Sassy Spoon Mumbai, House of Mandarin, Pizza Express, and so on.

3. HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card is one of the best cashbacks and rewards credit cards with zero joining and annual fees. The HSBC Credit card offers cashback, rewards, and discounts on flights, dining, hotels, telecom, and BOGO offer on BookMyShow, and this VISA card is accepted in more than 200 countries. Best card for entry-level.

Best suited to meet the lifestyle requirements.

Main features of HSBC Visa Platinum Credit Cards

• Earn cashback up to Rs. 3000 on spending a minimum of Rs. 10,000 across 9 transactions
• Get an Rs. 2000 ClearTrip voucher on the first transaction of any amount
• Earn 2 Reward points for every Rs. 150 spent
• 15% off on dining at partner restaurants across major Indian cities.
• Enjoy surcharge waiver on fuel transactions between Rs.400 and Rs.4,000 valid at all petrol pumps across India. The maximum waiver is capped at Rs.250 per month.

4. HDFC Corporate Platinum Credit Card

It is one of the best credit cards for all those who are looking for comprehensive business solutions like Management Information Systems(MIS). This system is really valuable for the smooth running of the business. Apart from offering MIS, this card is also providing luxury and ease of mind at the time of making business travels.

Best suited- For Corporates to meet their business expenses

Annual fee/ Joining fee- NIL( Lifetime free Credit Card)

Main attractions of HDFC Corporate Platinum Credit Card:

• Access to Management Information Systems tool
• 3 Reward Points for every Rs. 150 spent
• Insurance coverage of up to Rs 1 crore
• 8 free domestic lounge access per year

5. SBI Unnati Credit Card

The SBI Unnati Credit Card falls in the category of both a secured credit card and a life-time free credit card. It is best suited for shopaholics. To get a card, one has to give a minimum fixed deposit of Rs 25000 as collateral. There is no annual fee in this card for the first four years. From the 5th year, SBI is charging a minimal fee i.e., Rs 499 annually.

Main features of SBI Unnati Credit Card

• Earn 1 reward point for every Rs.100 spent. Use your Credit Card Reward Points to redeem against a wide variety of gifts from the Rewards Catalogue.
• Get Cashback Rs 500 within 15 days of achieving annual spending of Rs 50,000 or above.
• Avail of 1% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000.
• Help in building a good credit score

The Lifetime Free Credit Cards helps in improving the credit score of a person if the card is used in a limited manner as the credit utilization ratio will be lowered down substantially.