Best Free Credit Cards: Top Lifetime Free Credit Cards in India
Lifetime Free Credit Cards in India: We’ve all heard about going cashless with the use of plastic money. But these bank cards often come with some annual fee or joining fee that doesn’t quite fit in with our requirements. So here’s a list of top 10-lifetime free credit cards which you can apply for and enjoy the benefits forever after:
Top 10 Lifetime Free Credit Cards in India
10. Central Bank of India Titanium Lifetime Free Credit Card
Central bank of India offers you this Titanium Credit Card, where you don’t have to pay any fee, annual, issuance and add-on. Moreover, by using this card, you can also withdraw cash instantly, at any ATM in India.
| Particulars For This Lifetime Free Credit Card | Costs |
| Annual Fee | Nil |
| Issuance Fee | Nil |
| Add-on Card Fees | Nil |
| Renewal Fees | Rs.100 |
| Cash withdrawal | Rs 100 plus service charges |
9. Vijaya Bank Platinum Lifetime Free Credit Card
This Credit Card allows you to withdraw cash instantly from any Master Card ATM and has no joining or annual fee associated with it. The daily cash withdrawal limit is Rs.25000/-
| Particulars For This Lifetime Free Credit Card | Costs |
| Charge | Amount |
| Joining Fee | Free |
| Annual Fee | Nil |
| Renewal Fee | Rs. 300 from the 4th year onward |
| Interest rate | Not specified |
8. IndusInd Bank Pinnacle Lifetime Free Credit Card
IndusInd Bank Pinnacle Credit Card offers you the great rewards and welcome offers associated with it, which are customized according to the card holder’s needs. Though the joining fee is quite high the benefits obtained are even higher.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining Fee | Rs 1,00,000 |
| Annual Fee | Nil |
| Add-on Card fee | Nil |
| Interest Rates | 3.83% (monthly) |
Also See: IndusInd Bank Signature legend Credit Card
7. HSBC Bank Platinum Lifetime Free Credit Card
HSBC being a global banking organization, this credit card is accepted & can be used globally. With no joining and annual fee, you can avail all the benefits of this card, if used efficiently.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining Fee | Nil |
| Annual fee – First year | Nil |
| Annual fee – Second year | Nil |
Also See: HSBC Visa Platinum Credit Card
6. HSBC Advance Visa Lifetime Free Platinum Card
You don’t have to pay any joining fee or annual fee throughout the lifetime of the card.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining fee | Nil |
| Annual fee (per annum) | Nil |
| Add on cards | Nil |
| Interest free period | Up to 52 days interest-free period is given provided the previous month’s outstanding balance is paid in full. |
5. The PNB Global Classic Lifetime Free Credit Card
The PNB Global Classic Credit Card can be used at any outlet that accepts Visa Cards, across the globe. There are no annual fees associated with this card.
| Particulars For This Lifetime Free Credit Card | Costs |
| Initial Joining Fee | Nil |
| Add-on Card Fee | Nil |
| Renewal Fee | Nil |
| Annual Fee | Nil |
4. Canara Bank Global Gold Lifetime Free Card
With a joining fee of Rs.250, this card doesn’t charge any annual fee for its users.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining Fee | Rs. 250 + GST as applicable |
| Annual Fee | Nil |
| Add on Card | Nil |
| Interest on revolving credit | 2.5% per month (30% per annum) |
3. Canara VISA Classic/Mastercard Standard Lifetime Free Credit Cards
Along with the benefit of no additional charges and annual fee, the Cardholder enjoys a lot of exclusive lifetime benefits and offers without any associated subscription fee.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Supplementary Card | Nil |
| Interest on revolving credit | 2.5% per month or 30% per annum |
2. Indian Bank Global Gold Lifetime Free Credit Card
A lifetime card with no annual or joining fee, the cardholder also has a facility to share the benefits of this lifetime card with his/her family members by applying for add-on cards available at a one-time fee of Rs.250/-
| Particulars For This Lifetime Free Credit Card | Costs |
| Annual Fee | Nil |
| Joining Fee | Nil |
| Add on Card | One-time fee of Rs. 250. |
1. Dhanlaxmi Bank Gold Lifetime Free Credit Card
No annual or joining fee levied on this Credit Card or on its Add-Ons, providing the benefits of lifetime free credit card for the cardholder’s family members too.
| Particulars For This Lifetime Free Credit Card | Costs |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Renewal fee | Nil |
| Add on Card | Nil |
| Interest on revolving credit | 2% per month and 24% per annum. In the event of defaulted payment, the penal interest rate will be 3.5% per month. |
