What a steal it is to enjoy a credit card with no application or maintenance charge for a lifetime. Amazing right? And if you are just starting a career or have never used credit before, you can benefit the most from these no-fee credit cards. Although most of these credit cards provide little perks and often a low rewards rate, you may find a few worth considering. 

So, if you are also one of the many users who are looking for a credit card that is available for free and is loaded with immense benefits, keep reading.

5 Lifetime Free Credit Cards

This is a list of the top credit cards that do not charge an annual fee. To assist you in making an informed decision, we have included the card's intended recipient(ies) with each card.

  1.  Amazon Pay ICICI Credit Card 

The Finest Free Credit Card Ever with Co-Brand Cashback Perks!

When looking for a lifetime free credit card in India, you may want to consider the Amazon Pay ICICI Credit Card. Users of Amazon Prime, who are eligible for the greatest rewards, may find this card particularly useful. Your cashback will be added to your Amazon Pay Balance, so you can use it to buy more stuff.

Offers and Features:

  • Prime members get 5% cashback on all Amazon purchases.
  • 3% cashback for Amazon non-Prime members
  • 2% cashback at over 100+ stores that accept Amazon Pay
  • Get a 1% cashback on anything else you buy.
  • Waiver of 1% fuel surcharge at all gas stations in India

With the welcome benefit of INR 2500 with this card, you can ensure great savings and meet your needs seamlessly. Whether it's postpaid bill payment or grocery, the Amazon Pay ICICI bank credit card is perfect.

HSBC Visa Platinum Credit Card

Enjoy Unlimited Rewards and Cashback for life!

For those who would want to use their credit card for shopping and vacation without paying an annual fee, this is the perfect option. When you achieve a certain spending threshold, you will be rewarded with cashback and movie coupons. After you hit the INR 4 lakh milestone, your reward earnings will also be enhanced.

Offers and Features:

  • Gift Cards from Amazon for INR 500 on spending INR 5000 in just 30 days of card issuance.
  • E-gift voucher worth INR 250 when applying for a card online.
  • Enjoy 2 reward points for spending INR 150 every time.
  • Spend INR 4 lakh in a year and get 5X reward points on all your next purchases!
  • Annual savings of upto INR 3000 on fuel surcharge.

For a great starting point on your credit journey, consider applying for the HSBC Visa Platinum Credit Card, which is among the top credit cards available without an annual fee. All things considered, this is a good option for anyone seeking an entry-level credit card without the annoyance of an annual fee.

ICICI Platinum Chip Credit Card 

Credit Card with Lifetime Essential Benefits—Free of Charge!

For those just starting out with credit and looking for a simple card to help them develop a solid score, the ICICI Platinum Chip Credit Card is a great option. You won't find a better credit card with no annual fee than this one.

Offers and Features:

  • Utility and insurance payments get 1 reward point for every INR 100 spent.
  • 2 points for every INR 100 spent on anything else (gasoline excluded).
  • Use your points for ICICI Rewards Catalogue goods or gift cards.
  • Buy fuel at HPCL pumps for upto INR 4000 and get a 1% fuel surcharge waiver.
  • Discounts of up to 15% at over 2,500 participating eateries

Among the many perks this budget credit card offers are freebies such as vouchers, memberships, incentives, cashback, cinema ticket discounts, and more. 

OneCard Metal LTF Credit card

Top Choice with Co-branded Benefits that Redfine Shopping and Savings!

Even today, OneCard remains a top choice among those looking for a basic, charge-free credit card. The metal construction, often reserved for ultra-premium credit cards, is the card's unique selling point. The reward rate may be low, but we do get some great spending incentives that make up for it. In addition, we have fantastic merchant deals on Swiggy, Zomato, Amazon, Flipkart, and more that will save you a tonne of money.

Offers and Features:

  • The top two spending categories provide a 1% reward rate and allow you to earn 5 reward points (RP) for every ₹50 spent.
  • Users are required to spend in a minimum of three distinct categories, as defined by merchant category codes (MCC), to be eligible for 5X incentives in the top two categories.
  • Get 1 reward point (RP) for every ₹50 spent, which is equivalent to a reward rate of 0.2%.

You should apply for this credit card if you want a card that gives good cash back on online shopping through various merchants.

AU LIT Credit Card

Your Customized Card with Customized Benefits for Free is Here!

For those who are looking for a credit card with customized benefits, the AU LIT credit card is just the perfect choice. Easy to use and loaded with personalized features, this card can make your shopping experience the best. 

Offers and Features:

  • Enjoy a 1% fuel surcharge waiver on INR 400-5000 spending.
  • Upto 10X reward on online and offline spending.
  • Premium membership to OTT and Cult.fit.
  • Get the benefit of the OTT platform access based on your plan. 
  • Customize all features and enjoy the maximum rewards always.

With benefits that can be customized as per needs, this card is one of the finest options available in the market.

Tips to Make the Most of Your Lifetime Free Credit Card by Proper Usage

It takes careful planning to get the most out of lifetime free credit cards. To remain on track financially and cut out wasteful spending, keep a spending log in the following manner:

  • Carrying a debt defeats the purpose of a free card, so pay off your amount in full every month to prevent interest costs. 
  • You may earn incentives and cash back when you use the card for everyday purchases. Try to use this cashback in a judicious manner.
  • If you want to keep your credit score in good standing, keep your credit utilization percentage below 30%. 
  • To prevent late fines, it is recommended that you check your bills often for any suspicious activity and establish automated payments.

Conclusion

A lifetime-free credit card may be a great way to build credit when used wisely. One way to get the most out of rewards programs while keeping a good credit score is to be careful with your spending, timely payment of the bills, and use the card wisely. 

By keeping a close eye on your account, you may quickly detect any inconsistencies, and by establishing automated payments, you can steer clear of expensive late penalties. Improve your financial health and learn to manage your money more efficiently with these cards, which give great benefits with responsible usage and no annual fee.

And if you are confused about which card is best for you, you must always start by comparing the features using trusted platforms like BankSathi. With simple click features, you can compare multiple cards, secure expert guidance, and get a card that best matches your needs.