In 2024, finding the right credit card can be a game-changer for managing finances. Imagine a credit card that doesn’t ask for annual fees or hidden charges, well there are credit cards present in the market that are “lifetime free”. These lifetime free credit cards come with zero joining fees and zero annual fees, these are the best options for the ones who are going to have their first credit card.
While most of the credit cards in this category provide only basic benefits and also have a very low limit, there are some options present in the market that offer good values and higher reward points.
In this article, we will see the top 5 best lifetime free credit cards in 2024.
1. Amazon Pay ICIC Bank Credit Card:
Amazon Pay ICIC Credit Card is one of the best options for the lifetime free category, this card is best for Prime users as they get the highest amount of cashback. This cashback gets credited to Amazon Pay Balance and you can utilize it from there to make more purchases.
Key Benefits of Amazon Pay Credit Card:
- 5% cashback on Amazon purchases for Prime Users
- 3% cashback on Non- prime Amazon purchase
- Earn 2% cashback when you shop at more than 100 Amazon Pay affiliated merchants.
- Receive 1% cashback on all other transactions.
- Enjoy a 15% discount and exclusive deals at chosen partner restaurants in India.
- Get a 1% fuel surcharge waiver at any petrol pump across India.
2. IDFC First Select Credit Card:
IDFC First Select Credit Card is the best option for the ones who spend more as this card offers, the more you spend the more you get in the form of a reward. This card works on an incremental spend rewarding point model, where the rewards increase as you spend more.
Key Benefits of IDFC First Select Credit Card:
- Earn 10X reward points on additional purchases over Rs. 25,000 per billing cycle.
- Get 6X reward points on all online transactions up to Rs. 25,000 per month.
- Enjoy 5% cashback on your first EMI transaction within 90 days of card activation.
- Avail of a buy 1 get 1 offer on movie tickets (Up to Rs. 250 per ticket) through the Paytm mobile app (twice a month).
- Access complimentary domestic airport lounges (4 times per quarter).
- Access complimentary railway lounges (4 times per quarter).
- Benefit from a low foreign exchange mark-up fee of 1.99%.
3. HSBC Visa Platinum Credit Card:
This credit card is best for people who travel a lot and are looking for discounts in shopping without paying any annual fee or extra charge. Your reward earnings will also increase once you reach the milestone of Rs. 4 lakh.
Key Benefits and Features of HSBC Visa
Platinum Credit Card:
- Receive Amazon Vouchers worth Rs. 500
- Enjoy 3 complimentary airport lounge accesses at domestic and international lounges or 3 AirDine vouchers as a welcome benefit.
- Get 10% cashback (up to Rs. 2,000) when you complete at least 5 eligible transactions totaling Rs. 10,000 or more within the first 90 days of card activation.
- Upon reaching a total spending of Rs. 4 lakh in a year, earn 5X rewards on all subsequent purchases.
- Avail of a buy 1 get 1 free offer with BookMyShow for tickets booked on Saturdays.
4. IDFC First Millennia Credit Card:
This credit card is best for people who want their reward points to be saved and never expire even if they stop using their card for some time. This is the best option for those who are going to have their first credit card.
Key Benefits of IDFC First Millennia Credit Card:
- Earn 3X rewards on in-store purchases up to Rs. 20,000 per month.
- Receive 6X rewards on online purchases up to Rs. 20,000 per month.
- After reaching the Rs. 20,000 milestones, receive 10 times more rewards on all categories of spending.
- Spend Rs. 50,000 within 90 days of activating the card to receive a welcome benefit of Rs. 500.
5. ICICI Platinum Chip Credit Card:
The ICICI Platinum Credit Card is dedicated to those who are new to credit and looking for a simple-to-use card and want to establish a positive credit history.
Key Benefits and Features of ICICI Platinum Chip Credit Card:
- Earn 1 reward point for every Rs. 100 spent on utilities and insurance.
- Voucher redeem reward from the ICICI Rewards Catalogue.
- Enjoy a 1% fuel surcharge waiver at HPCL pumps for transactions up to Rs. 4,000.
- Receive up to a 15% discount on dining at 2,500 partner restaurants.
