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
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
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
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
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:
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
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.