Lifetime Credit Card

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What are Lifetime Credit Card?

A credit card with no annual fee ever is called a "lifetime free" card. There is theoretically no annual or joining cost, but they may impose fees for optional services like a paper copy of the itemised statement or other requirements to qualify for the card.

Lifetime-free Credit Card of different banks

Name of Credit Card Joining Fees Rate of Interest
Axis MY Zone Easy Credit Card
  • Nil
49.36% p.a.
Axis Insta Easy Credit Card

  • Nil
52.86% p.a.
IDFC First Select Credit Card
  • Nil
9.00% p.a.
Indian Oil Ctit Platinum Card
  • Nil
30.00% p.a.
SBI Unnati Credit Card
  • Nil
42.00% p.a.
Platinum Credit Card
  • Nil
29.88% p.a.
Shoppers Stop HDFC Bank Credit Card
  • Nil
43.2% p.a.

Benefits of Lifetime-free Credit Card

Here are some benefits offered by lifetime-free credit card.

Avail discounts :
On the purchases and the transactions made by you, can also avail discounts at the on the particular shopping brands, dining, movies and entertainment.

Cashbacks on purchases:
On the vast majority of purchases and transactions made with your credit card, you will receive reward points or cash back. You should select a credit card that offers the most rewards in the category where you spend the most money.

Easy Approvals:
The approval process for no-annual-fee credit cards is easier than for other premium cards. This is due to the fact that the income requirements for lifetime free credit cards are often lower than those for premium cards with a high annual charge. Additionally, you may obtain some of these cards with an ordinary credit score, which is not the case for premium cards.

Joining Advantages:
Some of the greatest lifetime free credit cards even give you a bonus just for signing up for the card. Bonus reward points, cash back deals, free premium memberships to any platform, or anything else is fair game for these welcoming gifts.

Eligibility of Lifetime-free Credit Card

  • The applicant must be a citizen of India.
  • Must be self-employed.
  • Need to be creditworthy to qualify.
  • Each applicant must be at least 21-70 years old.
  • Tax returns over the past 2 years, financial records, evidence of business stability, etc.

Documents for Lifetime-free Credit Card

  • PAN Card
  • Aadhar Card
  • Passport Size Photo
  • Pay slips or income tax returns


  • The main benefits offered by Lifetime-free Credit Cards:

    • Avail discounts on shopping
    • Cashbacks on purchases
    • Gift Vouchers
    • Insurance benefits

  • The eligibility criteria for Lifetime-free Credit Cards:

    • The applicant must be a citizen of India.
    • Must be self-employed or salaried.
    • Need to be creditworthy to qualify.
    • Each applicant must be at least 21-70 years old.

  • No, Lifetime-free Credit Cards do not have joining fees.