Credit Cards have comprehensively transformed our perceptions about money and it’s expanding. These cards have emerged as crucial financing tools, providing comfort, rewards & cashbacks, and several other benefits. But to be honest we all desire credit cards that offer maximum benefits with minimal charges. Therefore, annual joining fees are an essential consideration before buying a credit card. Most of the people shy away from possessing a credit card because they feel that they have to annually pay hefty charges. And thus, lifetime free credit cards are in great demand these days.
What are Lifetime Free Credit Cards?
A lifetime free credit card or LTF credit card is a card for which you don’t have to pay annual charges or fees. These types of cards are best for beginners and amateurs that offer maximum generic benefits with low-risk options.
Best LTF Credit Cards India 2024
Following are the best lifetime free credit cards India 2024 that not only comes without yearly charges , but also provide best benefits too.
• ICICI Bank Platinum Chip Credit Card
This card is best suited for individuals who are looking for benefits such as daily reward points and fuel surcharge waiving with secure and safe transactions. The platinum chip in the card provides additional transactional security. Other benefits include 2 payback points on every Rs. 100 spent, 1% fuel surcharge waiver at HPCL petrol pumps and large purchases can be easily converted into EMIs.
• Axis Bank ACE Credit Card
This card is perfect for individuals who are largely interested in spending into daily utilities and dining. One of the best features of the card is that it offers impressive cashbacks( upto 5 percent of the transaction )that makes it a valuable possession. It also offers a 1 percent fuel surcharge waiver on fuel transactions.
• SBI Card Unnati
It is one of the best entry – level credit cards in which you don’t have to pay annual fees for four years. This card helps you to improve and strengthen your credit history. It offers 1 reward point on every Rs 100 spent along with fuel surcharge waiver. To avail this card you need to have a FD of not less than Rs. 25,000 in your SBI account.
• Amazon Pay ICICI Bank Credit Card
For frequent Amazon shoppers, this card is a must. This card offers lucrative cashbacks directly into your Amazon pay account. This card offers impressive cashbacks upto 5% of the transaction that does not expire and there is no capping of earning cashbacks. And not to forget it also offers you fuel surcharge relaxation by 1 percent.
• HSBC Visa Platinum Credit Card
This card is best for individuals who are looking out for a broad range of benefits which includes travel, shopping, and dining. With this card one can enjoy Rs. 2000 cashback on Rs. 10,000 spending within 3 months of issuance , along with handsome rewards and fuel surcharge waiving. It also offers flat 15 percent off at select restaurants in the country.
Also Read: Best Credit Cards in India
Conclusion
Whether you are a frequent online shopper, lifestyle enthusiast or one who need a simple and secure card for everyday needs, our comprehensive list has something to offer to every category and taste. And it is all upto the users to search thoroughly and then choose the one that aligns best with your spending habits and an overall budget.
