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List of Lifetime Free Credit Cards

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ontherocks
I know that the following credit cards are life time free if you meet certain criterion. This is not the same as spend based waiver of annual fees. Please add to the list so I can look out for the next ones to grab. # Amazon Pay ICICI # American Express Membership Rewards # Bank of Baroda Prime # HDFC Regalia # HSBC Platinum # ICICI Coral # ICICI Platinum # ICICI Sapphiro # IDFC OneCard # Indusland Iconia # Indusland Pinnacle # Kotak League Platinum # Standard Chartered Platinum Rewards # Standard Chartered Titanium # SBI Unnati (4 years free)
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Finance Ninja Finance Ninja
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How did you forget the star cc – Apay cc?! stuck_out_tongue

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Added it

Deal Cadet Deal Cadet
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ICICI Sapphiro- how to get it as life time free

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Not sure about the exact T&C, I got lots of spam calls that based on my relationship with ICICI I have a LTF offer of Sapphiro. I have a salary account in ICICI. One day I went to my branch and enquired about it. The branch manager enquired with some guy who looks after credit cards. He confirmed that it is LTF.

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Deal Subedar Deal Subedar
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regalia free ?? flushed

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Regalia is LTF if you fulfill any one of the below

  • You make 4 transactions in a month for first 3 consecutive months with a minimum value of Rs.500 per transaction.
    OR
  • Activate smart pay like electricity bill, postpaid mobile within 90 days of card issue.
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Deal Subedar Deal Subedar
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Indusind iconia and pinnacle

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Do you have Iconia Amex? Can you refer me?

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Deal Lieutenant Deal Lieutenant
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How to get American Express Members Reward for LTF?

@Ontherocks Please also mention the criteria to get them as LTF. Will be very useful wink

Deal Cadet Deal Cadet
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Yes we need criteria for LTF cards, so that we’ll get idea if we can apply or not.

Like Magnet Like Magnet
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AEMR Regalia SC Titanium R these LTF? hushed
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use my referral for AEMR

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Deal Lieutenant Deal Lieutenant
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I think Amex mrcc ltf for 12lpa annual income

Deal Lieutenant Deal Lieutenant
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Is this scheme live? Link?

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Post Emperor Post Emperor
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ICICI coral CC

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Added.

Finance Mentor Finance Mentor
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5. ICICI Sapphiro
6. Kotak League Platinum
7. Standard Chartered Platinum Rewards
8. Standard Chartered Titanium
AMEX MRCC… ye kaise free milenge bhai…
thoda bataoge…

Like Magnet Like Magnet
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SC Platinum rewards CC was LTF earlier. I got this card as LTF

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Deal Subedar Deal Subedar
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If anyone wanys amex mrcc and want to get 2500 cash benefit free every year even after payong annual fees. pm me
I will refer and share my 1000 referral bonus aswell

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2500 cash benefit every year… you’ll way or is it from AMEX?

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Deal Subedar Deal Subedar
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One card by idfc

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Added.

Deal Newbie Deal Newbie
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icici platinum credit card free nehi hai?

Deal Cadet Deal Cadet
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how is Induslnd Pinnacle free?

Deal Newbie Deal Newbie
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Please DM me for AMEX card referal.

Deal Cadet Deal Cadet
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BOB Prime
ICICI Platinum

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Added.

Deal Subedar Deal Subedar
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BoB – Any way to get their attention over online credit card application?

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@rogerthat

Deal Cadet Deal Cadet
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ICICI MMT PLATINUM CREDIT CARD
ICICI MMT SIGNATURE CREDIT CARD

Deal Cadet Deal Cadet
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Someone wake up the mods to a seperate credit card section…

Deal Captain Deal Captain
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One Metal Card by IDFC Bank is LTF.

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Yeh bakwaas list kaunsi site se copy-paste kiya ?? rolleyes Most cards on your list are not Lifetime free at all…

10. Indusland Iconia : 10k+18% GST Joining Charge (except a special few who got this card for free from Bankbazaar offer…Otherwise it’s 10k+18% GST joining charge]…
11. Indusland Pinnacle : 15k+18% GST Joining Charge
12. Kotak League Platinum : I used to personally hold this card but closed it last year for not much good offers…It costs 499+18% GST from 2nd year onwards…
13. Standard Chartered Platinum Rewards : I hold this card currently… 250+18% GST charge every year & even the first year is not free…
14. Standard Chartered Titanium : It’s not a free card either..

Bank of Baroda Prime is only issued on FD so it’s not lifetime free either…No BOB cards are LTF

ICICI coral can be free for some but mostly it’s not free…Coral card sometimes issued based on FD so when you break the FD, you will have to surrender the card so it’s not an LTF card…

LTF cards mean no joining charges, no annual charges & no restrictions on card usage whatsoever…Getting cards based on FD doesn’t mean that it’s a lifetime free card unless you continue renewing the FD for your entire lifetime…

SBI Unnati is not an LTF card either…LTF means LIFE TIME FREE

Among your list, only Amazon Pay ICICI, ICICI Platinum, IDFC OneCard, Regalia, HSBC Visa Platinum & Coral are free cards…ICICI also don’t issue Coral easily but after many years of maintaining good relationships with the bank, you can get it as pre-approved…Otherwise Coral has 500+GST joining & annual charges…

And who is giving you Sapphiro as LTF ?? laughing Sapphiro has 6500 + 18% GST Joining charges and annual fee of 3,500 + 18% GST lol…

None of the Amex cards are Lifetime free also and so are Citi & SBI cards…

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Sirji…. aapke paas bahut gyan hai…..
but mere pass LTF cards hai… including Sapphiro

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Critic Critic
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Every card is LTF if certain conditions are met. minus1

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That “certain conditions” mean spending x amount in the previous year…That is not considered LTFLTF means no boundaries & no restrictions attached to it…

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If I would have been a salaried person & could get like 50k-1L per month deposited in a bank or had a current account with high transactions or even created an FD/RD of lacs of rupees, all banks will give me cards but those are “special cases or special conditions”…HDFC would give you even Infinia if you do a 5-10 lacs FD with them and some people already got Infinia that way even though it’s an Invite only card…But that’s not the case with everyone…I am talking about people who are trying to apply for a card without meeting any special criteria of the bank…For them, those cards are never free…Maintaining a good relation with RMs (Relation with Money) is also another criteria sometimes…

Like Magnet Like Magnet
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Always shocked to see this list.. except 3-4 cards nothing termed as LTF. Bank should mention as LTF for actual meaning of it. Ex: Amazonpay, onecard etc

Deal Subedar Deal Subedar
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The op forgot to mention TnC.
Special cases only.
If I would do 50L fd with negative cibil score and no income then also I would get premium card Ltf. Does this mean the card becomes LTF for everybody. Hell No!!!
OP need to rethink what the post titles says and what he wrote in post.

Deal Lieutenant Deal Lieutenant
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ICICI Instant Platinum Credit Card
HSBC Visa Platinum Credit Card
Standard Chartered Priority Visa Infinite Credit Card
indusind bank platinum aura edge credit card
Axis Bank Insta Easy Credit Card
kotak aqua gold & fortune gold & dream different
amazon pay icici(maybe not for everyone,not easy to get)
and there are so many life time free cards based on salary accounts or income

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Most people still seem like not fully aware about what a real Life Time Free card means…
___________
1) Standard Chartered Priority Visa Infinite Credit Card : Issued for SCB Priority Account holders only…

These are the fees & eligibility for SCB Priority Account : https://av.sc.com/in/content/docs/in-prb-sosc-b...

1) Minimum Monthly Average balance needs to be maintained : 30 Lacs Lol… laughing

Or

Minimum Monthly Salary Credit into SCB Salary Account : 3 Lacs… [I wrote this yesterday in the last page that you can get any card with that amount of monthly salary deposited into your salary account)…

Or Mortgage Amount of more than 2 Crores with the bank…

2) Axis Bank Insta Easy Credit Card : Based on FD…So not LTF

3) kotak aqua gold & fortune gold & dream different : Aqua Gold has been discontinued by Kotak…Dream Different is issued only on FD so not LTF either…Break the FD & you will need to surrender the card…

Critic Critic
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@ontherocks : OP, I do have to agree with @Sushrut.B ! He’s perfectly right (although blunt) in the fact that just because some xyz person got it as LTF, that doesn’t makes the CC as ltf… I know people who even have SBI Elite CC as LTF, but that doesn’t makes it a ltf card.
I would suggest you to divide the list in two parts, first one containing actual LTF CCs like Amazon Pay, HSBC Platinum, ICICI Platinum, etc… and in the second list you can have CCs that can be conditional LTF, based on salary account, FD, etc !

Deal Lieutenant Deal Lieutenant
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Which bank salary account is the best to get?

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Once I deposited a certain amount in my Kotak 811 account which was actually not my own money in total but the family savings, Kotak ka branch manager aur Business Relationship Manager dono direct ghar aa gaya tha aur mujhe bola tha “Sir apko kya chahiye, kaunsa card chahiye, loan chahiye boliye… Apko statement bhi net se download nhi karna padega, hum apko statements deke jayenge ghar pe aake every month”… 🤣🤣🤣🤣

I’m not lying… I still have their visiting cards with me which they gave to me when they visited me and I didn’t even ask them to come so I was heavily shocked… Aur maine unko bola bhi nhi tha ke, yeh saare paise mere akele ka nhi hain… Aur aab mere uss 811 account mein kuch v nhi hain… They even gave me an RM while there is no such privilege in Kotak 811 as it’s a zero balance account… The RM’s name was Gladsson Doddamani, I still remember…

Kotak used to be a good bank 1-2 years ago but now services by both Kotak and Axis have become total crap…ICICI still have the best customer experience and then HDFC

Kehne ka matlab hain ke, India mein paiso se kuch bhi kharida (liya) jaa sakta hain including “relationships”… It’s Unfortunate but it’s the harsh reality…

India mein “Jabtak apke paas paisa hain, log puchhenge kaisa hain”…Jab paise nhi hoga then even your relatives won’t give a damn about u…

Back to topic, Ek huge amount daalke dekho kisi v bank mein (Dusre bank se loan leke v daalke dekho 🤣🤣) , 1-3 days mein call aa jayega apko bank ki taraf se asking u if u got any special requirements because instantly you become a HNW person to the bank even if you are not an HNW person and like someone mentioned in the previous page, they would not even care if you have no credit history i.e. your CIBIL is 0, you will still be considered a HNW person and can get the highest premium card from that bank and they won’t even do physical verification to give u the card…

And banks real LTF cards apko dene ke baad bhi unka profit rehta hain (Free mein koyi kuch nhi deta) because whenever someone uses a CC on a payment gateway, the person who’s paying for that gateway have to pay additional charges to the bank…Customers won’t have to pay anything extra but the merchants will… I have PayU and Razorpay payment gateways integrated on a few of my Wordpress sites and when a customer pays using Debit card, Netbanking, UPI or wallets, I don’t have to pay additional charges but when someone uses a credit card to purchase, I have to pay extra transaction charges to the payment gateway partner banks to process those Credit Card payments…

Pro Entertainer Pro Entertainer
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@Tejaa what comes after struggle is pure gold
follow susu 😇

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On another note which is not related to the topic of this thread, my SBI SimplyClick’s Limit was not being increased by SBI in over 3 years…I contacted their card team, Nodal officer, complained on Twitter & FB several times but they were not increasing the limit of the card…Last Sunday I got a call from a lady who asked me about it & I told her that, SBI card agents always misguide & make me apply for new cards & the new cards always come with even lower limit than my 3 years+ old SimplyClick card…I had BPCL & IRCTC cards but they gave me low limits on those cards so I had to close both of them without even using them…I didn’t even have to provide any income docs for these last two cards as my CIBIL never went below 800 & they only took my Aadhar & PAN copies…

The lady who called me on last Sunday told me that she can take a request to transfer the limits of the BPCL & IRCTC cards to my SimplyCLick card…I didn’t know this is possible because I personally never heard about this limit transfer from closed cards to an active card but I gave her the consent to take a request for that & she gave me an reference ID…

To be honest I didn’t believe her because I was always been misguided by their staffs & their female card agents & many of their support people (specially males) talk with a lot of arrogance even on the phone whenever I raised a complaint with them (maybe the number 1 Govt bank so have the most attitude) so I was certain that this limit transfer thingy is also maybe a hoax but today I just checked my SBI Card account & she indeed transferred all the limits of the IRCTC & BPCL cards to the SimplyCLick card…I never expected this from SBI but aachhe log aab bhi hain duniya mein tabhi duniya tiki huyi hain… : )

Community Angel Community Angel
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Deal Lieutenant Deal Lieutenant
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@Sushrut.B
thank you

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: )

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