by Card Insider Personal Finance Advisor

Most credit card issuers charge their clients a joining fee when they apply for a credit card and an annual cost to renew the services provided by that credit card also known as the Annual Fee. But what if someone told you that there are free credit cards would you believe them? Well, you should. A lifetime free credit card has no initiation fees and has zero annual fees. These no-fee credit cards are most suitable for first-time credit card users who have just started their professional careers or have never used credit before. The top lifetime-free credit cards available in India are given below.

  1. ICICI Instant Platinum Credit Card:

Those who require an instant credit card with lifetime free usage might consider the Instant Platinum Credit Card from ICICI Bank. With a secured credit card backed by a fixed deposit, a consumer can improve and repair their credit score. The ICICI Bank Instant Platinum Credit Card's best feature is that cardholders can earn reward points on some purchases made with the credit card in addition to interest on the amount deposited.


  • Because it is a secured credit card, the customer can receive speedy approval with few requirements for income documentation.

  • Receive discounts on restaurant meals, stays in five-star hotels, purchases from lifestyle shops, visits to spas, and more.

  1. IDFC FIRST Classic Credit Card:

The IDFC First Bank Classic Credit Card is a lifetime-free credit card that is provided by IDFC First Bank. In addition to other categories like entertainment, travel, etc., this rewards credit card offers a wide range of perks under the reward points category. This card is ideal for people looking for a credit card with no annual fee, solid advantages, good rewards, with low-interest rates.


  • Vouchers worth Rs. 500 as a welcome bonus.

  • On your first EMI transaction within 90 days of the card's issuance, you'll receive 5% cash back.

  • On this card, you can get personal accident coverage of up to 2 lakhs.

  1. ICICI Amazon Pay Credit Card:

One of the most well-known cashback credit cards in India is Amazon Pay ICICI Credit Card, which offers a flat 1% reward on all other purchases in addition to up to 5% cashback on Amazon. No joining costs, no yearly fees, and no earning limits.


  • This credit card has no earnings restrictions, plus your earnings have no expiry date.

  • The card also provides meal discounts as part of the ICICI Bank Culinary Treats Program.

  1. HSBC Visa Platinum Credit Card:

For a user who wants a credit card with multiple uses, the HSBC VISA Platinum Card is the ideal credit card. For items like dining out, shopping, and gas, the HSBC VISA Platinum credit card is the best option. The cardholder can also benefit from a number of premium services offered by the bank and accrue rewards points.


  • Exciting welcome benefits.

  • Free travel vouchers.

  • You get 10% cash back in the first 60 days of card issuance. 

Above were the best lifetime free credit cards, you are freed from the annoyance of joining fees and annual fees thanks to these cards, moreover, if you buy things from them, they give you incredible prizes.

Additional Reading: What Is The Difference Between Credit Score And CIBIL Score?

Sponsor Ads

About Card Insider Freshman   Personal Finance Advisor

6 connections, 0 recommendations, 43 honor points.
Joined APSense since, September 30th, 2021, From Panchkula, India.

Created on Aug 26th 2022 07:15. Viewed 97 times.


No comment, be the first to comment.
Please sign in before you comment.