Hot Deal

Lifetime Free Credit Cards In India 2023

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Rosh_0007
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IDFC FIRST Select Credit Card

IDFC Bank has launched IDFC FIRST Select Credit Card and this is the first time a premium credit card has been launched without any annual or joining fee. It has all the features of a luxury credit card and is quite updated in the modern sense. This card comes up with multiple offers from time to time.

Apply Here : https://www.idfcfirstbank.com/credit-card/ntb-d...

Pros & Cons

  • Reward points without any upper limit.
  • Domestic airport lounge visits per quarter.
  • Railway lounge visits.
  • Free roadside assistance.
  • A fuel surcharge waiver.
  • Air accident cover.
  • Personal accident cover..
  • Lost card liability cover.
  • Comprehensive travel insurance cover.

Cons : 

  • Value of a reward point is INR 0.25

Ongoing benefits:

  • Voucher of INR 500 on spending INR 15,000 within 90 days of activating the card.
  • 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of first EMI done within 90 days of card generation.
  • 6 reward points on every INR 150 spent online and 3 reward points on every INR 150 spent offline spent below INR 20,000 a month.
  • 10 reward points on every INR 150 spent above INR 20,000 a month and the same will be applicable on the birthday of the user.
  • 1 reward point = INR 0.25
  • Reward points are without any upper limit and one can accumulate as many.
  • 4 free domestic airport lounge visits per quarter.
  • 4 free railway lounge visits per quarter
  • Free roadside assistance worth INR 1,399
  • A fuel surcharge waiver of 1% can be availed.
  • Air accident cover of INR 1 crore.
  • Personal accident cover of INR 5 lakh.
  • Lost Card Liability Cover of INR 50,000
  • Comprehensive travel insurance cover of INR 22,500
  • Up to 20% discount at partner restaurants.
  • Up to 15% discount at partner health and wellness outlets

IDFC FIRST Millennia Credit Card

IDFC Bank has launched the FIRST Millennia Credit Card to provide cash backs on shopping and interest free credit for 48 days in India and internationally at the time of need. The card is completely free and has no annual or joining fee making it even more attractive.

  • Interest free cash withdrawal for 48 days.
  • No annual fee.
  • No joining fee.

Apply Here : https://www.idfcfirstbank.com/credit-card/ntb-d...

More details

  • Voucher of INR 500 on spending INR 15,000 within 90 days of activating the card.
  • 5% cash back to the maximum of INR 1,000 equivalent to the transaction value of first EMI done within 90 days of card generation.
  • 6 reward points on every INR 150 spent online and 3 reward points on every INR 150 spent offline spent below INR 20,000 a month.
  • 10 reward points on every INR 150 spent above INR 20,000 a month and the same will be applicable on the birthday of the user.
  • 1 reward point = INR .25
  • Reward points are without any upper limit and one can accumulate as many.
  • 3 reward points on the payment of rent will be an independent category.
  • There is a convenience fee of INR 99 + GST on redemption of reward points.
  • Cash withdrawals without interest on domestic and international ATMs for up to 48 days. There will be a cash advance fee of INR 250 per transaction.
  • Forex markup of 3.5% for all international transactions.

-Dhanlaxmi Bank Platinum Credit Card- ( Not LTF now )

This credit card is a very simple to use credit card concentrating solely on supermarkets and departmental stores and provides flat 5% cashback in a very hasslefree manner. It can be considered one of the best credit cards for beginners.

Apply here : https://www.dhanbank.com/...y/

  • Very simple to use.
  • Air accident insurance available.
  • Purchase protection cover available.
  • Credit Shield Cover available.

Ongoing Benefits:

  • 5% cash back on supermarkets and departmental store purchases
  • Credit Shield Cover up to INR 100,000
  • Purchase Protection cover up to INR 100,000
  • Air Accident Insurance up to INR 2,000,000
  • Global customer assistance available

Amazon Pay ICICI Credit Card

It is aimed at facilitating those interested in shopping from Amazon and make use of its flagship paid subscription programme Amazon Prime at the same time. It is a lifetime free card, which implies the card attracts no annual charges, and is an easy-to-use basic card for people who would like to shop from Amazon.

  • The card can be availed without any annual fee.
  • Cardholders enjoy a surcharge waiver on purchase of fuel.
  • Users can earn unlimited Reward Points.
  • No upper limit or lower limit to the Amazon Pay balance that you earn or spend. No expiry date for this balance.

Ongoing Benefits:

  • For Amazon Prime members there is a 5% cashback in the form of Amazon Pay balance on any purchase made from Amazon’s website.
  • To avail a full 5% discount on your Amazon Pay ICICI Credit Card, you need to have an independent Amazon Prime membership.
  • For customers who don’t have an Amazon Prime Membership, there is 3% cashback in the form of Amazon Pay Balance.
  • On any purchase from Amazon Pay’s merchant partners, there are Amazon Pay Balance points worth 2% of the purchase. Some of Amazon Pay’s merchant partners include BookMyShow, Haptik, Redbus, Café Coffee Day, Byju’s, Amar Chitra Katha, Chumbak, Urban Ladder and Lavie (bags and shoes).
  • There is a 1% Amazon Pay Balance on every purchase.
  • Unlimited Reward Points and there is no upper limit or lower limit to the Amazon Pay
  • Balance that you earn or spend. There is no expiry date on this balance as well.
  • Discount of 15% on your dining bill at partner restaurants. Card users will have to present the card while settling the bill.
  • A fuel surcharge waiver of 1% can be availed.

ICICI Platinum Chip Credit Card

The card is a point-based basic credit card that offers a long list of periodic offers with its partners making it ideal for users interested in shopping discounts. This card can be considered useful for beginners who already have a credit card and are looking to avail interesting offers.


Apply here : https://campaigns.icicibank.com/credit-card/pla...

  • No annual fee or joining fee.
  • Security chip to protect the card from frauds.
  • PAYBACK points available for insurance payment as well.

Ongoing Benefits:

  • Earn 2 PAYBACK points on every INR 100 spent for all retail purchases except fuel.
  • Get 1 PAYBACK point on every INR 100 spent on utilities and insurance categories.
  • There are multiple special online offers available for users and discounts available on various reputed brands from time to time.
  • 1% fuel surcharge waiver can be availed on fuel transactions of maximum INR 4,000 at HPCL pumps when your credit card is swiped on the ICICI merchant services’ swipe machines.
  • Discount of 15% on dining at 2,500 partner restaurants under the ICICI Culinary Treat Programme.

Aspire Platinum Credit Card (IDBI Bank)

This card provides reward points for all kinds of spends which are rarely seen in free cards and the card is designed to facilitate traveling, dining, lifestyle.

Ongoing Benefits:

  • Card holders can get all the services provided for VISA Platinum cardholders, customers can also enjoy travel concierge services provided by VISA for travel related services.
  • 2 Delight Points for every 150 spent.
  • Reward points for all kinds of spends.
  • Welcome gift of 500 Delight Points on using the card within 30 days or 300 Delight Points on usage between 31 to 90 days from the card issuance date. One will have to spend a minimum of
  • INR 1500 to get the welcome gifts.
  • Interest free credit available for 48 days.
  • No lost card liability if reported within 24 hours.
  • Addon cards available

Axis Bank Insta Easy Credit Card

This credit card is issued by the bank on behalf of an FD ( fixed deposit) that a person has to start in Axis bank and the credit limit of this card is 80% of the amount of that FD. To get this card one is not required to give any kind of income proof as the bank already has a deposit with it. The minimum amount required to be deposited is 20 thousand and maximum 25 lakh. This is an assured card and any one can apply for it.

  • Minimal paperwork required.
  • Fuel surcharge waiver.
  • This card can improve your credit score as it is available even for those who have a very poor credit history, and use of the credit card can improve your credit score.

Ongoing Benefits:

Following are the Axis EDGE Loyalty Points that a person gets on spending the following amount.

  • 6 reward points on every INR 200 spent domestically.
  • 12 reward points on international spends of INR 200.
  • 1% fuel surcharge waiver on fuel transactions between INR 400 and INR 4,000.
  • 15% discount on dining at selected partner restaurants in India.
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We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.

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66 Comments  |  
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Deal Newbie Deal Newbie
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Bro,i think you need to update your information about icici insta platinum card. icici has already ended his partnership with PAYBACK

Generous Generous
Admin
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checking.
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Deal Baba Deal Baba
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Vu, very useful thread. Adding in bookmarks. Hope it gets updated regularly smile

Wingman Wingman
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5% flat cbk in dhanlalxmi monthly how much limit?
Generous Generous
Admin
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Cashback – Get 5% cashback on transactions made at supermarkets and departmental stores.


cannot find tnc limit : https://www.dhanbank.com/credit...d/
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Commentator Commentator
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Screenshot20230205-1738582Cashback upto 50rs per month for supermarkets
The PostMighty The PostMighty
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For ₹50 who will apply joy

Even slice will give more than that in a month

Deal Detective Deal Detective
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Upto how long  is this lifetime  validity  criteria  valid  .

That * mark conditions if any.

Beacon Beacon
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How about hdfc dcb card?

Deal Newbie Deal Newbie
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IDFC Millennia reward redemption kills the reward earning. ;(

Deal Cadet Deal Cadet
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dhanlaxmi bank credit card is not an LTF card, bro!

Generous Generous
Admin
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Screenshot2023-02-05at6.48.28PM

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Deal Newbie Deal Newbie
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Au SFB lit credit card is also life time free with zero joining fees and annual fees and  with great benefits... Please update this list. 

Deal Cadet Deal Cadet
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Bank of Baroda Eterna Card gives 3.75% cashback on all online transactions. Though annual fees don't know, since I don't have to pay them.😎

Deal Newbie Deal Newbie
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That has been long devalued

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Deal Newbie Deal Newbie
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Axis ACE - 5% CB on Google pay (bill payment on Android),  4% CB on swiggy, OLA, Zomato 2% for all other online and offline ...

Entertainer Entertainer
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Electricity bills too?

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Deal Captain Deal Captain
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@Rosh_0007

What is the diff b/w IDFC millenia cc and classic cc?

I am able to find only 1 that millenia offers 10X on bday while classic doesn't. Rest things are same(25% movie discount, incremental on 20k, 4 railway lounges)

Also is there a criteria of 12L+ annual salary for IDFC Select CC??

Also to add here, I think there are no convenience fees or redemption charges on rewards.

Edit: Heard from someone that now redemption charges are there

Coupon Connoisseur Coupon Connoisseur
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Another option in Poll for 'All of these' stuck_out_tongue_winking_eye

Finance Mentor Finance Mentor
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Now a days everyone getting tata hdfc cc as ltf. You can add this one too in list. 

Helpful Helpful
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Why is it not multiple choice?

Helpful Helpful
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Dhanlaxmi credit card sucks maximum cashback amount is Rs. 50 / month

Generous Generous
Admin
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Removing it  from list seems not LTF...

Deal Lieutenant Deal Lieutenant
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Which of these doesn't requires income proof? 

Helpful Helpful
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I have around 14 cc without income, for SBI it's through agent, bob on card to card, rbl by paisabazar, au lit and onecard by credit score. Others need bank account 

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Post Emperor Post Emperor
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how to check icici cc application status?

Deal Cadet Deal Cadet
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All credit cards are LTF. If we spend a minimum amount per year.

Helpful Helpful
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Very insightful comment.

Finance Mentor Finance Mentor
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Any card which offers easy C2C for self-employed (office address same as home, work from home) ?

Lately, pissed out by rejections...

Crusader Crusader
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Same issue with my applications also ..

Please tag me if you find anything helpful..
Will do the same if i find earlier 🙂

Deal Cadet Deal Cadet
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@Rosh_0007 Bro Axis Myzone CC is LTF through which channel? It shows that it's free only through selected channel. Please share some details if you know!
Also I recently got Axis Airtel CC and already have Axis FK CC, so is Myzone worth applying?

Helpful Helpful
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I called cancellation team to close my paid Neo to get myzone Ltf from their side.

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Deal Subedar Deal Subedar
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Can u have both Flipkart axis to axis myzone at the same time?

Finance Mentor Finance Mentor
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I think full lottery with axis, read some people here have it, others got declined.
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Finance Mentor Finance Mentor
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Did anyone have luck with BoB SD rupay (existing BoB savings account holder), and self-employed, work from home address?

Deal Cadet Deal Cadet
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AU Lit is also LTF

Deal's Advocate Deal's Advocate
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Any C2C card

Deal Cadet Deal Cadet
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Any Rupay LTF credit card please

Deal Cadet Deal Cadet
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Hdfc Neupass

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Post Emperor Post Emperor
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which ltf CC is easy to get without much documentation?

Budding Star Budding Star
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Which one is best for movies out of all ?

Community Angel Community Angel
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one can also check indusind aura edge/shoprite and RBL bank bazaar save max. Both are free via bank bazaar for anyone with decent cibil score. Good for bank offers. 

@Rosh_0007

Generous Generous
Admin
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Sure checking it and updating.
replyuser
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