List of Lifetime Free Credit Cards
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I’m getting pre approved regalia from paisabazar.com can I make it LTF I already have moneyback card.
Write to HDFC CC customer care about the two rules mentioned earlier in this thread that makes Regalia LTF. If they say that it is ok, you have something in writing from them.
What happens if we don’t give company email for amazon icici card can anyone help in this issue
Personal free email address is fine…You don’t need to provide company email to apply…I didn’t provide my company email too & in all the banks, I am using my personal Gmail too…
Guys I am thinking to switch my kotak savings account to some.other bank as I am not getting much benefits from it.i already have icici account.where should I switch now?or should I stay in Kotak only.
Kotak and Axis both bank’s services have degraded a lot in the past few years and both these banks’ customer care services are pretty much joke now… All their job left is to force customers to take damn insurance covers and loans in the name of customer care…
As I mentioned previously in this thread, if you want the best customer service, switch to ICICI… And if u are interested in cards & loans etc, open an HDFC salary account…
You might also add Axis LIC cards. They have no annual or renewal fees.
First we have to understand definition of LTF.
If you meet certain conditions but those can’t be called LTF cards.
LTF cards do not require to fulfill conditions of spending in previous year.
If you have salary account or elite account then bank may issue LTF cc easily.
Yup. Calling “Near LTF” may suit better for such cards. E.g. Citi, Sbi, Axis fk
It also turns out that this is probably a more important category in terms of overall benefit (both to customer and to bank!!).
Time wasted 
So many cards are LTF (Eg. ICICI Rubyx and other premium card as offered as LTF based on relationship with Bank)
Same goes for HDFC or any other Bank (Eg I have Citi Bank Indian Oil LTF and Yes Bank Preferred…No condition attach)
i asked my icici rm to provide me rubyx cc as ltf…and she said NO 
Is it mandate to buy items or do transactions on monthly/quarterly basis if I buy amazon icici credit card….Plz suggest card holders
It’s a totally free card, so spending on it is not compulsory…
10k? 
I had contacted indusind customer care on twitter and the person said you can convert existing aura to visa or amex at 5k. Should i trust him?
For 5k, you will not get any GC…They will charge you 5k+GST without any GC…But if you go for their 10k+GST joining charges for the same card, you will get 10k worth of GC & you will have to pay only 1800 joining charge as you can very well utilize the 10k Amazon/FK GC…
They have intentionally made these two joining fee payment options because if you go for the 5k+GST joining charge thinking it’s cheaper, you won’t get anything except the card, NO GC at all…
How to get HDFC Regalia CC for LTF currently i have moneyback card
Check in netbanking if you have the offer for upgrade to Regalia. If the offer is present, it could either be LTF offer or non LTF offer.
If the offer is for non LTF, upgrade as non LTF and then fulfill any one of the conditions 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 (to be safe, let it make bill payments for at least 3 consecutive months)
Indusind aura edge
Can anyone tell, whats the MAB for SBI Savings account?
HDFC Diners Black Credit Card [Eligibility – IIT or IIM graduate] Reference – https://www.desidime.com/discussions/how-to-get...
IKEA Family Credit Card CITI [Only issued in Ikea stores in Hyderabad and Mumbai right now] Reference – https://www.desidime.com/discussions/ikea-famil...
IDFC FIRST Credit Cards (Millenia, Select, Classic, Wealth) [Eligibility – IDFC savings account holders YMMV] Reference – https://www.desidime.com/deals/launching-lifeti...
I had upgraded last year in June. For 10K worth of vouchers I won’t recommend this card, no offline store uses Amex in my vicinity and even rent pay sites like nobroker don’t have Amex option. Heck my community electricity portal too doesn’t have Amex option. So no use of that 2% cashback if you cannot use it most of the times
Why get amex iconia when axis bank ace card is here that too on visa platform?
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Hi everyone, you may PM me for OneCard referral code/link. We have received this CC too.