TOP 10 FREE CREDIT CARDS
Take a pick from these cards that come with no annual or joining fee, but offer several benefits.
Given the plethora of credits cards in the market, it's not easy to -pick one that suits your needs, offers benefits and best value for money. The cards that do offer privileges charge high joining and annual fees. However, every bank or card issuer typically offers some lifetime free cards that provide the best of both worlds: charge zero joining or annual fees, but dish out ben- efits. To ease your process of card selection, we have listed the top 10 lifetime free cards that offer good features.Though these features may not be as ex- tensive as those for regular cards and wel- come benefits may be fewer, the approval for free cards is easier as the income and Cibil score requirements are not very high.Such cards are best for first time users or those looking to supplement their primary credit cards. Go through the specific re- wards and discounts they offer and pick the one that matches your spending patterns.Besides these free crads, there are also some very good cards that have a small join- ing fee (IndusInd Bank), others that waive the annual fee if you cross a certain spend- ing threshold (HDFC Bank), those that are by invitation only (RBL Bank), or those that are free for a limited period (SBI Bank). We have not included these in our list, but you can consider these if they suit your needs.
top 10 lifetime free cards that offer good features
AXIS BANK SELECT (BURGUNDY)
WELCOME BENEFITS
Amazon voucher worth 2,000 on first card transaction, which has to be done within 90 days of card issuance.
REWARD POINTS
10 Axis EDGE reward points on every spend of 200.
2x reward points for every 200 spent on retail shopping
OTHER FEATURES
⚫20% discount of up to 2500 per month on a minimum purchase of 12,000 on BigBasket.
⚫40% off up to 200 on Swiggy.
⚫300 off on second ticket on BookMyShow
⚫Priority Pass membership with 6 international lounge visits a year.
⚫5,000 Edge points on 23 lakh spends in anniversary year.
⚫6 complimentary golf rounds a year.
.1% fuel surcharge waiver on 400-4,000 spends.
20% off at partner restaurants.
INSURANCE
• Air accident cover of up to 2.5 crore.
Purchase protection up to 1 lakh.
$500 cover for loss of documents, loss and delay of check- in baggage.
INTEREST RATE 3.6% a month
To be eligible for this variant you need to have the Burgundy savings account with a net monthly salary credit of 3 lakh. If you do, you can bag a whole lot of benefits for free.
IDBI ASPIRE PLATINUM
WELCOME BENEFITS
- 500 Delight points on first usage within 30 days or 300 Delight points on usage between 31 and 90 days from the issuance date.
- The card is has some good spending offers and discounts, and the inter- est rate is slightly lower, but it offers no insurance.
- INTEREST RATE 2.9% a month
REWARD POINTS
• 2 Delight points for every 150 spent on travelling. shopping. dining, movies, etc.
OTHER FEATURES
- Interest-free credit of up to 48 days.
- .1% fuel surcharge waiver across all fuel stations for 400-4,000 spends.
- Discounts on airport shopping. hotel, car rentals, etc.
INSURANCE
NA
Travel concierge services by Visa.
DHANLAXMI BANK PLATINUM
Though it does not offer join- ing benefits or a rewards pro- gramme, it's cashback and travel insur- ance offers are very good.
INTEREST RATE 3% a month
INSURANCE
- Up to 10 lakh cover for accidental death and PTD.
- 10 lakh purchase protection.
- 35 lakh air accident insurance (death).
- Up to 25,000 for loss of baggage. $500 for loss of travel documents.
- $300 missing flight due to transhipment.
- $300 for over 12 hours delay in receipt of checked baggage (international).
- $250 for over 12 hours delay in flight (International).
WELCOME BENEFITS
REWARD POINTS
NA
NA
OTHER FEATURES
- .5% cashback on supermarkets and departmental store purchases.
- Offers on luxury goods, dining. golf & travel.
- Online concierge facility.
- Global customer assistance for emergencies
best credit cards 2023 lifetime free
ICICI BANK PLATINUM CHIP
Though not as feature laden as some of the other cards in this list, it still offers good reward points and discounts.
INTEREST RATE 3.4% a month
WELCOME BENEFITS
NA
REWARD POINTS
- 2 reward points on every 100 spent for all retail purchases except fuel.
- 1 reward point on every 100 spent on utili- ties and insur- ance categories.
INSURANCE
NA
OTHER FEATURES
• 1% fuel surcharge waiver (maxi- mum 24,000) at HPCL pumps.
• 15% discount at 2,500 restau- rants in 12 cities with its Culinary Treats Pro- gramme..
BANK OF BARODA PRIME
WELCOME BENEFITS
OTHER FEATURES
NA
REWARD POINTS
• Earn 4 reward points (equal to 1 on redemption) for every 100 spent.
INSURANCE
INTEREST RATE
3.25% a month
⚫ Zero liability on any fraudulent transactions if loss of card reported immediately.
• Free personal accidental death cover.
• 1% cashback on all spends.
• 1% fuel surcharge waived for all fuel transactions between 2400-5,000 (maximum waiver of <250 per month).
• Purchase of over $2,500 can be converted into EMIS of 6/36 months.
• Up to 3 lifetime free add-on cards for spouse, parents, siblings or kids (above 18 years).
50 days of interest-free credit from the date of any purchase.
You can get this card against a fixed deposit of 15,000 or more without any income proof.
AMAZON PAY ICICI BANK
WELCOME BENEFITS
NA
REWARD POINTS
⚫ 1 reward point = *1
OTHER FEATURES
• 15% discount at over 2,500 restaurants across India through its Culinary Treats Programme.
• 1% fuel surcharge waiver across all petrol pumps.
.5% cashback on Amazon spends for Amazon Prime members.
3% cashback on Amazon for non-Prime members.
It's a good card for online spends, especially if you are an Amazon Prime member.
INTEREST RATE 3.5-3.8% a month
INSURANCE
NA
• Reward earnings can be used to purchase from over 10 crore products at www. amazon.in and at more than 100 Amazon Pay part- ner merchants.
2% cashback on 100+ Ama- zon Pay partner merchants.
1% cashback across all other spends.
KOTAK 811 #DREAMDIFFERENT
It has a good re- wards programme and joining benefit, besides the rail surcharge waiver and card liability cover.
INTEREST RATE 3.5% a month
INSURANCE
DreamDifferent Shield offers cover of 250,000 against fraudulent usage up to 7 days before reporting if the card is stolen.
WELCOME BENEFITS
REWARD POINTS
⚫ 2 reward points for every 100 of online spends.
⚫ 500 bonus reward points on 25,000 spend in the first 45 days.
⚫ 1 reward point for every 100 of other spends.
OTHER FEATURES
⚫ 1% fuel surcharge waiver across all petrol pumps for 2500-3,000 spends.
⚫ 1.8% surcharge waiver for transac- tions on irctc.co.in & 2.5% for Indian Railway booking counters up to a maximum of 500 a year.
⚫Cash withdrawal up to 90% of total credit limit. No interest up to 48 days on cash advance.
⚫750 cashback or 4 PVR tickets on annual spends of $75,000.
TOP 10 for Finding the Best Free Credit Cards
Take a pick from these cards that come with no annual or joining fee, but offer several benefits.
рдмाрдЬाрд░ рдоें рдвेрд░ рд╕ाрд░े рдХ्рд░ेрдбिрдЯ рдХाрд░्рдбों рдХो рджेрдЦрддे рд╣ुрдП, рдРрд╕ा рдХाрд░्рдб рдЪुрдирдиा рдЖрд╕ाрди рдирд╣ीं рд╣ै рдЬो рдЖрдкрдХी рдЬ़рд░ूрд░рддों рдХे рдЕрдиुрд░ूрдк рд╣ो, рд▓ाрдн рдк्рд░рджाрди рдХрд░рддा рд╣ो рдФрд░ рдкैрд╕े рдХे рд▓िрдП рд╕рд░्рд╡ोрдд्рддрдо рдоूрд▓्рдп рдк्рд░рджाрди рдХрд░рддा рд╣ो। рдЬो рдХाрд░्рдб рд╡िрд╢ेрд╖ाрдзिрдХाрд░ рдк्рд░рджाрди рдХрд░рддे рд╣ैं рд╡े рдЙрдЪ्рдЪ рдЬ्рд╡ाрдЗрдиिंрдЧ рдФрд░ рд╡ाрд░्рд╖िрдХ рд╢ुрд▓्рдХ рд▓ेрддे рд╣ैं। рд╣ाрд▓ाँрдХि, рдк्рд░рдд्рдпेрдХ рдмैंрдХ рдпा рдХाрд░्рдб рдЬाрд░ीрдХрд░्рддा рдЖрдо рддौрд░ рдкрд░ рдХुрдЫ рдЖрдЬीрд╡рди рдоुрдл्рдд рдХाрд░्рдб рдк्рд░рджाрди рдХрд░рддा рд╣ै рдЬो рджोрдиों рджुрдиिрдпा рдХा рд╕рд░्рд╡ोрдд्рддрдо рдк्рд░рджाрди рдХрд░рддे рд╣ैं: рд╢ूрди्рдп рдЬ्рд╡ाрдЗрдиिंрдЧ рдпा рд╡ाрд░्рд╖िрдХ рд╢ुрд▓्рдХ рд▓ेрддे рд╣ैं, рд▓ेрдХिрди рд▓ाрдн рджेрддे рд╣ैं। рдЖрдкрдХे рдХाрд░्рдб рдЪрдпрди рдХी рдк्рд░рдХ्рд░िрдпा рдХो рдЖрд╕ाрди рдмрдиाрдиे рдХे рд▓िрдП, рд╣рдордиे рд╢ीрд░्рд╖ 10 рдЖрдЬीрд╡рди рдиिःрд╢ुрд▓्рдХ рдХाрд░्рдб рд╕ूрдЪीрдмрдж्рдз рдХिрдП рд╣ैं рдЬो рдЕрдЪ्рдЫी рд╕ुрд╡िрдзाрдПँ рдк्рд░рджाрди рдХрд░рддे рд╣ैं।
рд╣ाрд▓ाँрдХि рдпे рд╕ुрд╡िрдзाрдПँ рдиिрдпрдоिрдд рдХाрд░्рдб рдЬिрддрдиी рд╡्рдпाрдкрдХ рдирд╣ीं рд╣ो рд╕рдХрддी рд╣ैं рдФрд░ рд╕्рд╡ाрдЧрдд рд▓ाрдн рдХрдо рд╣ो рд╕рдХрддे рд╣ैं, рдоुрдл्рдд рдХाрд░्рдб рдХे рд▓िрдП рдЕрдиुрдоोрджрди рдЖрд╕ाрди рд╣ै рдХ्рдпोंрдХि рдЖрдп рдФрд░ рд╕िрдмिрд▓ рд╕्рдХोрд░ рдХी рдЖрд╡рд╢्рдпрдХрддाрдПँ рдмрд╣ुрдд рдЕрдзिрдХ рдирд╣ीं рд╣ैं।рдРрд╕े рдХाрд░्рдб рдкрд╣рд▓ी рдмाрд░ рдЙрдкрдпोрдЧ рдХрд░рдиे рд╡ाрд▓ों рдпा рдЕрдкрдиे рдк्рд░ाрдердоिрдХ рдХ्рд░ेрдбिрдЯ рдХाрд░्рдб рдХे рдкूрд░рдХ рдХे рд░ूрдк рдоें рдЙрдкрдпोрдЧ рдХрд░рдиे рд╡ाрд▓ों рдХे рд▓िрдП рд╕рд░्рд╡ोрдд्рддрдо рд╣ैं। рдЙрдирдХे рдж्рд╡ाрд░ा рджिрдП рдЬाрдиे рд╡ाрд▓े рд╡िрд╢िрд╖्рдЯ рдкुрд░рд╕्рдХाрд░ों рдФрд░ рдЫूрдЯों рдХो рджेрдЦें рдФрд░ рд╡рд╣ рдЪुрдиें рдЬो рдЖрдкрдХे рдЦрд░्рдЪ рдХрд░рдиे рдХे рдкैрдЯрд░्рди рд╕े рдоेрд▓ рдЦाрддा рд╣ो।рдЗрди рдоुрдл्рдд рдХाрд░्рдбों рдХे рдЕрд▓ाрд╡ा, рдХुрдЫ рдмрд╣ुрдд рдЕрдЪ्рдЫे рдХाрд░्рдб рднी рд╣ैं рдЬिрдирдоें рд╢ाрдоिрд▓ рд╣ोрдиे рдХा рдПрдХ рдЫोрдЯा рд╕ा рд╢ुрд▓्рдХ рд╣ै (рдЗंрдбрд╕рдЗंрдб рдмैंрдХ), рдЕрди्рдп рдЬो рдПрдХ рдиिрд╢्рдЪिрдд рдЦрд░्рдЪ рд╕ीрдоा рдкाрд░ рдХрд░рдиे рдкрд░ рд╡ाрд░्рд╖िрдХ рд╢ुрд▓्рдХ рдоाрдл рдХрд░ рджेрддे рд╣ैं (рдПрдЪрдбीрдПрдлрд╕ी рдмैंрдХ), рд╡े рдЬो рдХेрд╡рд▓ рдиिрдоंрдд्рд░рдг рдж्рд╡ाрд░ा рд╣ैं (рдЖрд░рдмीрдПрд▓ рдмैंрдХ), рдпा рд╡े рдЬो рд╕ीрдоिрдд рдЕрд╡рдзि рдХे рд▓िрдП рдиिःрд╢ुрд▓्рдХ рд╣ैं (рдПрд╕рдмीрдЖрдИ рдмैंрдХ)। рд╣рдордиे рдЗрди्рд╣ें рдЕрдкрдиी рд╕ूрдЪी рдоें рд╢ाрдоिрд▓ рдирд╣ीं рдХिрдпा рд╣ै, рд▓ेрдХिрди рдпрджि рдпे рдЖрдкрдХी рдЖрд╡рд╢्рдпрдХрддाрдУं рдХे рдЕрдиुрд░ूрдк рд╣ों рддो рдЖрдк рдЗрди рдкрд░ рд╡िрдЪाрд░ рдХрд░ рд╕рдХрддे рд╣ैं।
thank you visting my selflearningrahul