10 Ideal Lifetime Absolutely free Credit history Cards in India 2023
You might be getting many SMS or phone calls for lifetime free of charge credit history cards but you must know that lifetime-free of charge credit score cards arrive with basic reward worth and quite few benefits.
The banks might be demonstrating 5x or 10x benefits but the fact is that you would get a maximum of 1% reward worth when you change your rewards to dollars.
You never get free airport lounge visits with totally free credit score cards. Only the IDFC wealth credit score card supplies condition-dependent free airport lounge obtain in this record.
You can enjoy this movie on my YouTube channel as properly.
You must implement for a no cost credit card both to get started your credit history card journey or just to get financial institution-distinct distinctive deals.
10 Very best Credit history Cards in India Without Annual Expenses
#1. Amazon Fork out ICICI Pay back
Most significant Advantage
5% lower price on Amazon
Most effective for Amazon Procuring
Amazon Spend ICICI Pay back
Amazon Shell out ICICI credit score card is very best for Amazon purchasing. You can conserve 5% on all your investing on Amazon with a Key membership. Nonprime associates will get 3% cashback on Amazon shopping.
You will get 1% on all other on the net and offline paying out which is a good reward price for a life time no cost credit rating card.
#2. IDFC Initially Traditional Credit rating Card
Major Profit
4 Railway lounge visits
1% cashback on on the net browsing
IDFC Very first Vintage Credit score Card
IDFC Initial classic credit score card provides 6X reward on-line and 3X reward points offline expending. You will get a 1% reward worth on on the net and .50% on offline investing.
You get a welcome voucher worth Rs 500 on investing ₹15,000 inside the initial 90 days. And 5% cashback up to Rs 1000 on your 1st EMI carried out in just 30 times.
#3. IDFC Initial Wealth Credit score Card
Biggest Reward
Intercontinental lounge entry
Most effective IDFC Credit Card
IDFC First Wealth Credit rating Card
IDFC Initially Wealth is a up coming-stage credit rating card as compared to the IDFC Initial Common Credit Card.
You get 4 Domestic & Worldwide lounges, spa visits, and 2 complimentary Golf rounds for each thirty day period in addition to IDFC common credit history card. Other Options are almost the similar.
#4. IndusInd Legend Credit Card
Greatest Advantage
2% reward worth on weekends
Way of living Credit Card
IndusInd Legend
IndusInd Legend is a lifestyle credit score card that offers up to a 2% reward benefit on all your weekend shelling out. You get a 1% reward price on your weekday expending.
You get 4000 reward reward details on shelling out 6 lakh in one particular yr.
#5. BOB Simple Shop Credit Card
Most important Profit
5X points on groceries, departmental shops, and movies.
Simple Acceptance
BOB Straightforward Store
BOB Quick Shop is a novice-degree credit rating card that provides 5X reward details on categories like groceries, departmental merchants, and motion pictures. 5X reward factors seem fantastic but the reward value is just 1.25%.
You will get a .25% reward value on all other categories.
#6. Lender of Baroda Prime Credit Card
Most significant Profit
No income evidence expected
Aganist Fastened deposit
#10. BoB Primary Credit rating Card
BOB Key is a secured credit history card that you can apply versus a mounted deposit of Rs. 15,000 without the need of any money evidence.
Learners and housewives can use for BOB prime credit rating playing cards to construct their credit scores.
#7. Kotak League Credit rating Card
Largest Reward
4 no cost PVR tickets on expending 1.2 lakh
Upto 8 Free of charge PVR Tickets
Kotak league
You really should utilize for a Kotak League credit card if you will expend far more than 2.5 lakh in a calendar year. Kotak League provides a reward price of .50% on all spends and 1% on travel categories.
You will get 8 details (1% price) on all spends over and above 2 lakh in a yr. You can get 4 cost-free PVR tickets or 10000 reward details every single 6 months on expending 1.2 lakh.
#8. AU Bank LIT (Dwell It Right now) Credit Card
Most important Advantage
Numerous options to decide on the rewards
Personalize Your Benefits
AU LIT Card
AU Compact Finance LIT Credit score Card comes with a exceptional attribute of customizable credit rating card options.
You can pick from 5 kinds of functions that you want to use for a time period of 90 days. For case in point, you can decide on 10X or 5X accelerated reward factors on all your paying out.
You need to fork out a price of Rs 299 for 10X details and Rs. 199 for 5X reward factors for 90 times.
#9. HDFC Bank Consumers Prevent Credit score Card
Most important Gain
2.4% discounts on shopper cease
Most effective for Purchasers Halt
HDFC Lender Buyers End Credit Card
Co-branded card by HDFC Lender and Customers Halt is suitable for browsing on Customers Stop models. You can conserve 2.4% on Purchasers Halt non-public label models and .9% on all other spends.
You will get 2000 details on paying Rs 2 Lakhs in a year.
#10. ICICI Platinum Chip Credit score Card
Biggest Reward
Effortless acceptance
Novice Stage Card
ICICI Platinum Chip Credit rating Card
ICICI Platinum is an entry-stage credit card and is good to get your very first credit history card acceptance. If your credit rating card purposes are acquiring rejected then you can apply for the ICICI platinum credit score card.
The reward value is .5% for all retail purchases except gasoline.
Final Text
You ought to compare the return profit with the credit rating card annual cost. If you are not using credit rating playing cards then you go for a no cost or bare minimum-charge credit history card. If you want to improve the reward price then you can check out our listing of best credit rating playing cards in India.
