5 Best Lifetime Free Credit Cards India 2024

1. IDFC FIRST Classic Credit Card:

• • Features: Free for life, 2 reward points per Rs. 100 spent, fuel surcharge waiver up to Rs. 250 per month, complimentary airport lounge access for 2 visits per year (after meeting spends), accident insurance cover.

2. AU Bank LIT Credit Card:

• • Features: Free for life, up to 5% cashback on fuel and groceries, up to 1% cashback on all other spends, complimentary movie tickets on movie purchases exceeding Rs. 500.

3. Axis Bank Neo Credit Card:

• • Features: Free for life, 4% cashback on dining and online spends, 2% cashback on all other spends, free Zomato Gold membership for 6 months, complimentary movie tickets on movie purchases exceeding Rs. 500.

4. IndusInd Legend Credit Card:

• • Features: Free for life, 1.25% cashback on all spends, welcome offer of up to Rs. 1,000 cashback, complimentary access to IRCTC executive lounge in select stations.

5. Bank of Baroda Easy Credit Card:

• • Features: Free for life, 1 reward point per Rs. 100 spent, fuel surcharge waiver up to Rs. 150 per quarter, accidental insurance cover.

Bonus Card:

• • HSBC Visa Platinum Credit Card: While not technically “free for life,” it offers introductory benefits and lifetime annual fee waivers through specific spending/transactions. 5X rewards on spends exceeding Rs. 400,000, airport lounge access, air miles conversion.

Some additional tips for choosing a credit card:

• • Check joining fees and annual fees: Even “lifetime free” cards might have joining fees or fees for specific services.

• • Understand reward programs: Choose a card with rewards that align with your spending habits.

• • Look for other benefits: Consider travel insurance, accident insurance, complimentary lounge access, etc.

• • Read the fine print: Make sure you understand all the terms and conditions before applying.