Do you wish to invest in a new credit card but don’t want the hefty yearly charges that come with it? Then consider swapping it for a lifetime free credit card, which is a foolproof solution to all your worries. With absolutely zero annual fees, you can enjoy exciting rewards and benefits with every swipe of this premium card. It is the most cost-effective way to manage your monthly expenses and meet your financial needs. Exciting, right? Learn more about the intriguing features of a lifetime free card and also get to know some top options that you can choose to increase your earnings.
What is a Lifetime Free Credit Card?
A lifetime free credit card is a kind that does not levy any annual fee for its maintenance. This provides a relief to the cardholder as he doesn’t have to stress about planning a budget for the recurring charges that are accounted for every year. This credit card is the best pick for someone who desires long-term perks without any conditions attached. Using a lifetime free credit card, you can enjoy all the standard benefits like reward points, cashback, discounts, vouchers, and much more without paying any extra. You can also easily fulfil your wish to build a great credit score with these cards offered by several financial institutions.
Key Features of Lifetime Free Credit Card
Lifetime free credit cards are truly beneficial! Hard to believe? Then have a look at its striking features, which will make you buy one for everyday use!
- Affordability
Lifetime-free credit cards are indeed the most affordable options out there, as they do not impose any kind of yearly fees. This allows you to enjoy all the credit card perks free of cost. You can also find lifetime free credit cards with no joining fees and offer additional benefits.
- Joining Benefits
This credit card will welcome you with open arms and incredible benefits and gifts. Once you activate your credit card, the Bank offers joining bonuses like free movie tickets, shopping vouchers, a number of reward points, etc. You just have to make a transaction worth a specified amount to avail yourself of these perks.
- Quick Approval
A lifetime credit card is easier to get as it doesn’t require less documentation than regular cards. However, you must still meet the eligibility criteria specified by a particular bank to avoid future application rejections.
- Cashback & Reward Points
Cashback and reward points are the most thrilling elements of a credit card. The lifetime credit card with no annual fees is also prepared to fill your bank account with amazing cashback and shower you with an array of points. These perks can be received when making any kind of payment, be it grocery shopping or fuel expenses.
- Zero Liability Policy
A lifetime free credit card comes with a zero liability policy. According to this policy, if the issuer’s card gets stolen or lost, he will not be liable for any unauthorised charges caused by fraudulent payments on his card. The bank will itself take action and look into the matter.
Top Lifetime Free Credit Cards in 2024
If you do not know which lifetime free credit card to buy, consider the following popular options and choose the one that best suits your needs!
The IDFC First Millennia Credit Card
The IDFC First Millennia credit card is perfect for lifestyle and travelling purposes. With zero joining and annual fees, it provides a plethora of rewards, vouchers, discounts, etc. This card is one of the top lifetime credit cards in India because it provides interest-free cash withdrawals and convenient EMI conversion options for loans.
Features of The IDFC First Millennia Credit Card:
- Enjoy a welcome bonus of Rs. 500 on making a purchase of Rs. 15,000 or more within the card’s first three months of activation.
- You can earn 3× loyalty points for shopping at a store with a monthly maximum spending of Rs 20,000.
- Earn 6× loyalty points on online shopping for expenses not crossing Rs. 20,000 per month.
- Receive 4 free lounge entries at railway stations each quarter.
The HSBC Visa Platinum Credit Card
The HSBC Visa Platinum Credit Card is another lifetime free credit card with no joining fee or annual fee. This lifestyle card includes exclusive privileges like dining discounts, fuel surcharge waivers, global acceptance, etc. Read more...