Checkout the Best Lifetime Free Credit Cards For 2023 issued by banks in India. The Best Credit Cards are shortlisted based on various categories like Free Credit Cards for Shopping, Travel, Cashback, Fuel or Lowest EMI Interest Rate. Get the detailed Credit Card reviews of various banks, NBFCs, Co branded and Fintech companies, its reward program and annual charges. We at Askbanking has researched about the various aspects including earnings, spending, and rewards. We have made the selection easier for you for choosing the Best Lifetime Free Credit Cards in the Year 2023.
Best Lifetime Free Credit Cards in 2023
- Canara Rupay Select Credit Card
- IDFC FIRST Millennia Credit Card
- HDFC Regalia Credit Card
- Yes Premia Credit Card
- Flipkart Axis Bank Credit Card
- Axis Bank ACE Credit Card
- American Express SmartEarn™ Credit Card
- SimplyCliCK SBI Credit Card
Canara Rupay Select Credit Card
Canara Bank is offering the Credit Card to existing or new customers of the bank. In order to get the Canara Rupay Select Credit Card, you need to open an account with the bank. Card is issued with NIL fees.
Joining Fees/Annual Fees : NIL
Lounge Access : Yes
Welcome Benefits : NIL
Check our Canara Bank Credit Card Review
IDFC FIRST Millennia Credit Card
IDFC Bank new Millennia Credit Card is offering free lifetime credit card with NIL joining and renewal fees. This is a good card for entry level users.
Joining Fees/Annual Fees : NIL
Lounge Access : NIL
Welcome Benefits : Voucher of INR 500 on spending INR 15,000 within 90 days of activating the card.
Checkout IDFC FIRST Millennia Credit Card Reviews
HDFC Regalia Credit Card
HDFC Regalia Credit Card is the premier credit card by HDFC bank, which can be offered with NIL annual Fees & Renewal fees. A credit card with whopping 12 lounge access in a year. This premium credit card is ideal for people who travel by air, do online shopping (preferably via foreign websites given foreign currency markup benefits) and like to dine outside.
Joining Fee: INR 2,500+ 18% GST
Annual Fee: INR 2,500+ 18% GST; This fee is waived off if you spend more than INR 3 lakh in the first year of taking the card and renew it once again the next year.
Welcome Benefit: 2500 reward points and you get the same every time you pay the annual membership. This benefit will not be given to you if the annual fee is waived off.
Read our HDFC Regalia Credit Card Review for more.
Yes Premia Credit Card
Yes Premia Credit Card is offered by Yes bank with host of features & benefits including complimentary lounge access. Yes Bank is offering Premia Cards free for life (LTF) for customers with high level of credit history. You need to negotiate strongly while applying. The Premia Card is also available against Fixed Deposit of INR 2,00,000 and above.
Joining Fee: INR 1,500+ 18% GST (Mostly sold with LTF)
Annual Fee: INR 1,500+ 18% GST; This fee is waived off if you spend more than INR 3 lakh in the first year of taking the card and renew it once again the next year. (Mostly No restriction with LTF)
Welcome Benefit: 2500 reward points and you get the same every time you pay the annual membership. This benefit will not be given to you if the annual fee is waived off.
Read our Yes Premia Credit Card Review for more.
Flipkart Axis Bank Credit Card
The best card for shopping at Flipkart with unlimited cashback of 5%. No minimum amount requirement for getting the cashback.
Joining Fee: 500 + 18% GST
Annual Fee: 500 + 18% GST ( No annual fee on spending INR 200,000 in a year)
Welcome Benefit: INR 500 worth Flipkart vouchers on your first transaction with your Flipkart Axis Bank credit card.
Read our Flipkart Axis Bank Credit Card Review for more.
Axis Bank ACE Credit Card
The best credit card available for getting cashback on bill payments. Pay any utility bills through Gpay and get 5% FLAT cashback without any upper limit.
Joining Fee: INR 499+ 18% GST, no annual fee if you spend INR 10,000 within 45 days of card issuance.
Annual Fee: INR 499+ 18% GST, annual fee waived on an annual spend of more than INR 2,00,000.
Welcome Benefit: INR 500 cashback on spending INR 10,000 in the first 90 days.
Checkout our Axis Bank ACE Credit Card review
SimplyCLICK SBI Credit Card
The SimplyCLICK Credit Card can be called a basic point-based credit card for shopping online, which is economical compared to other cards in the same category.
This card is most suitable for users who are interested in saving and earning reward points for online shopping.
Joining Fee: INR 499+ taxes
Annual Fee: INR 499+ taxes (this fee nullifies on a spend of INR 1,00,000)
Welcome Benefit: Get Amazon.in gift card worth INR 500 on joining.
Check our SimplyCLICK SBI Credit Review for more.
American Express SmartEarn™ Credit Card Review
The Only lowest fees Credit Card offered by American Express for Indian Customers. It is very useful for shopping online at Flipkart, Amazon, Ola, Swiggy, Zomato etc.
Annual Fee: INR 495 + 18% GST, nil annual fee on spending INR 40,000 and above in the previous year.
Welcome Benefit: A cashback of INR 500 on spending INR 10,000 within 90 days of its issuance.
Check our American Express SmartEarn™ Credit Card Review for more
Method For Comparison
The analysis and comparison is done with more than 100 cards of different issuers, banks & Fintechs. The comparison was done on the factors like :
a) Annual Fees & waivers: Credit cards are selected with annual fees waiver or NIL charges for issuance and renewal. There should be no hidden charges.
b) Lounge Access: The cards were selected on the basis of lounge access. The Credit Card that provide maximum benefits have been ranked.
c) Cashback & rewards: The credit card which has the best reward point and cashback in the industry have been considered.
Review Rating
1. Cash back and Reward Point: The credit card which has the best reward point and cashback in the industry have been considered.
2. Annual Fee and joining fee: Credit cards are selected with annual fees waiver or NIL charges for issuance and renewal. There should be no hidden charges.
3. EMI ROI: Based on the lowest Interest Rate on EMI.
Put in comment about Best Lifetime Free Credit Cards of your choice below.
1 Comment
CardFinder
I have found Canara Bank Rupay Credit Card best one. No Annual Fees, No Renewal Fees and easy to use.