Best Lifetime Free Credit Cards in India

Best Lifetime Free Credit Cards in India (2024) with zero Annual Fees.

People often search for the best lifetime free credit cards in India in 2024  nowadays to meet financial needs or save expenses. It's not a bad idea though. First, let's understand the meaning of lifetime free credit cards easily.

 

 

What is a Lifetime Free Credit Card?

A lifetime free credit card charges no joining and no annual fee. These free credit cards are ideal for freshers or first-time card users who have just begun their professional journey or have never taken any credit form in the past.

The Lifetime free credit cards are also good for those who would want to avoid all fees associated with the card. Most of the credit cards in this category are low-feature credit cards and have very few rewards. However, a few offer some good value.

Here is the list of the best credit cards with no annual fee. To assist you in selecting the appropriate credit card for your needs, we have included information about who should apply for each card.

This blog is about the top lifetime free credit cards with zero joining fees that provide different benefits to cardholders and that might help you understand the right choice of a credit card

1. Swiggy HDFC Bank Credit Card

It's the first time Swiggy has ever tied up with a bank, on a credit card; it can be availed for a joining fee of Rs.500 plus taxes (lifetime free offer for limited offer), depending upon what your requirement is. 

Swiggy-HDFC is providing a lifetime free card with a limited period offer till 31st December 2024. If you're a regular Swiggy user and always place your food order online, then this card could be an excellent way through which you can save up to Rs.42,000 annually. The 10% cashback on all spends via Swiggy would be inclusive of Dineout and Instamart. You'll also get a free 3-month membership to Swiggy One as a welcome gift.

To know everything about the new co-branded HDFC Swiggy credit card benefits, limit, charges, and much more, read on ahead. 

Benefits:

• Activation Gift: Get a free 3-month Swiggy One membership on the card activation.

• 10% Swiggy Cashback: Avail 10% cashback-cum-limit up to a maximum of Rs.1500 on the Swiggy app for food ordering, Instamart, Dineout, and Genie. But transactions done using Swiggy Money Wallet, Liquor, and Minis will not get 10% accelerated cashback above this HDFC bank credit card.

• 5% Cashback: For spends on online transactions across top brands across various categories up to a monthly cap of Rs.1500.

• 1% Cashback: On all the other category spends, both online and offline, with a monthly capping of up to Rs.500.

• Cashback Redemption: All the cashback balance accrued against the eligible transactions done through HDFC Bank Swiggy Credit Card is now deducted from the outstanding amount payable to us after disregarding all finance charges that may have been levied by you. 

Where previously such a balance used to get credited as Swiggy Money and thereby be potentially restrictive for users as it could be availed for payments on food delivery orders placed on Swiggy, Instamart, Dineout, and Genie only. This is indeed a great change in redemption options wherein you are not restricted to any application for redemption.

• Swiggy Money Validity: 12 months from the earning date.

• Renewal Fee Waiver: Card renewal or annual fee is waived after completing the yearly spending of Rs.2 lac before the card renewal date. Cash on Call, cash withdrawal, and balance transfer are not included in total annual spending for an annual fee waiver.

• Golf Benefit through Mastercard:  Four rounds of free green fees and 12 free golf lessons or sessions with a 50% discount on green fees beyond the free sessions for customers with a variant of Mastercard.

• Zero Lost Card Liability: You can claim zero lost card liability, provided you report the loss immediately to the issuing bank and all fraudulent transactions are made because of that lost card. You can contact the 24-hour HDFC Bank call center to report the same.

Click Here to Instant Apply for the Swiggy HDFC Bank Credit Card 

Eligibility Criteria for HDFC Swiggy Credit Card

Required Age: 21-65 years. 

Employment Status: Salaried or Self-Employed. 

Minimum Income: Rs.25,000 per month (Salaried). 

Minimum Income: Rs.6 lac per annum (Self-Employed).

 

2. HDFC Tata Neu Plus Credit Card

HDFC Bank has entered into a tie-up with Tata Neu to offer HDFC Bank credit cards. This credit card has two variants: HDFC Tata Neu Plus Credit Card and Tata Neu Plus HDFC Bank Credit Card. You can  Save up to Rs.35,000 annually on this. This card is a lifetime free credit card with no annual charges with a limited period offer till 31st December 2024. This credit card can be acquired by users through the Tata Neu app.

To know about Tata Neu plus HDFC credit card benefits, charges, limit, and more keep reading.

Benefits: 

• Welcome Offer: Within 60 days, in case the transaction is successfully completed before 30 days from the date of issuance of the card, 499 NeuCoins will be credited to the Tata Neu App.

• Renewal Offer: Spent amount of Rs.1 lakh and above before the renewal date will exempt levy from any renewal charge.

• Contactless Payment: Contactless payment is enabled.

• Fuel Surcharge: Fuel surcharge is exempted (1%) at all fuel stations in India. The minimum and maximum amount to be transacted is Rs.400 and Rs.5000, respectively. At any point of a statement cycle, the maximum exempted amount is Rs.250.

• Lounge Access: Free 4 Domestic lounge access is provided in a year (1 every quarter). The offer is available on both RuPay and Visa cards. An additional lounge charge of Rs.2 is applicable.   

• Revolving Credit: The offer is available at an additional interest rate.

• Zero Lost Card Liability: In case you lose the card, you have to report the same to us within 24 hours.

• Interest-free Credit Period: You will get up to 50 days of interest-free period on your Tata Neu Plus HDFC Bank Credit Card from the date of purchase.

• NeuCoins: For spends on Tata Neu and Tata Brand partners- you get 2%.

For any EMI spends or spends at a non-Tata Brand- you get 1% as NeuCoins. 

Add to that, the Tata Neu website/app offers an extra 5% on any spending made on it.

Click Here to Instant Apply for the Tata Neu Plus HDFC Bank Credit Card.  

Eligibility Criteria for HDFC Tata Neu Plus Card

Required Age: 21-65 years. 

Employment status: Salaried or Self-Employed. 

Minimum Income: Rs.25,000 per month (Salaried). 

Minimum Income: Rs.6 lac per annum (Self-Employed).

 

3. Tata Neu Infinity Credit Card

HDFC Bank Tata Neu Infinity Card is available for a lifetime free feature with zero joining fees if purchased till 31st December 2024. This credit card has some advantages associated with this credit card. It is not very complicated to get an HDFC credit card through an online application process. You can save up to Rs.1,00,000 annually with this credit card.

To know about Tata Neu Infinity credit card benefits, charges, fee, and more keep reading.

Benefits:

• Renewal Offer: If Rs.3 lac and above is spent before the renewal date, then the renewal charge need not be paid.

• Insurance: Lost Card Liability Cover up to Rs.9 lac will be provided.

Emergency overseas hospitalization for up to Rs.15 lac.

Accidental deaths cover up to Rs.1 crore.

• Contact Payment: Contact payment has been activated.

• Welcome Offer: In case the first transaction occurs within 30 days of the date of the issue of the card, then 1,499 NeuCoins will be credited to the Tata Neu App.

• Fuel Surcharge: The fuel surcharge at fuel stations in India is waived at 1%. The minimum and maximum transactions that should be performed are Rs.400 and Rs.5000, respectively. The amount that can be waved in a statement cycle is up to a maximum of Rs.500.

• Lounge Access: 8 domestic lounge access free in a year. This is available on both RuPay and Visa cards.

4 international lounge access free in a year are offered through Priority Pass. The offer is available on both RuPay with an additional charge of $3.25 and Visa cards.

• Revolving Credit: The offer is available at a higher interest rate.

• Zero Lost Card Liability: In case you lose the card, you will have to report the same within 24 hours.

• NeuCoins: In case of spends (Non-EMIs) on Tata Neu and Tata Brand partners, 5% will be given as NeuCoins.

In case of any EMI spends or spends at a non-Tata Brand, 1.5% will be given as  NeuCoins.

In case of any spending on the Tata Neu website/app, an additional 5% will be given.

Click Here to Instant Apply for the Tata Neu Infinity Credit Card

Eligibility Criteria for Tata Neu Credit Card

Required Age: 21-65 years 

Employment status: Salaried or Self-Employed 

Minimum Income: Rs.1,00,000 per month (Salaried) 

Minimum Income: Rs.12 lac per annum (Self-Employed)

 

Conclusion:

This would save the applicant with essential card benefits, so selecting the lifetime free credit cards is an optimal step for him. Examples include the Swiggy HDFC credit card, Tata Neu Plus credit card, or Tata Neu Infinity credit card, the provision of which is full of delightful cashback, lounge access, and rewards, and you choose one that suits your lifestyle and spending habits to derive maximum savings. Always check the eligibility criteria and apply online to have it credited directly to your bank account.

Hope this blog on the top lifetime free credit cards in India with no annual charges, provided you with useful information.

Disclaimer: No buy or sell recommendation given. No investment advice given. Information is taken from various internet websites and valid at the time of writing this content only (as of 16 November 2024) and might get changed in the future without any prior update. Discuss your eligible financial advisor or concerned credit card company or banks for details before buying. The author or the company (Finowings) shall not be responsible for any loss.