Lifetime-free credit cards let you enjoy reward points, complimentary benefits, and more without worrying about joining or annual fees.
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Lifetime-free credit cards provide a hassle-free way to access financial flexibility and rewards without the burden of recurring fees. Some credit cards allow joining fee reversals or waive-off the annual fee on reaching a spending threshold. However, lifetime-free cards do not charge any joining or annual fees to keep your card active. This could make them a suitable option for those who want to cut down on maintenance costs while still enjoying card benefits.
You can explore and apply for a range of lifetime-free credit cards on Bajaj Markets.
Credit Card |
Joining Fees |
Annual Fees |
NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
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NIL |
NIL |
Note:The fees mentioned in the table are subject to change at the discretion of the card issuer.
Learn more about the features and benefits of these lifetime-free credit cards with no annual fees and find out which could be a suitable for you:
IndusInd Platinum Master Credit Card
This card comes with special privileges on dining, travel, and shopping to offer a premium experience.
Earn 1.5 reward points on every ₹150 spent using the credit card
Get a gift card for 30+ global luxury and premium brands
Enjoy deals and discounts on top brands such as Montblanc
Get vouchers from brands like Amazon, Zee5, Flipkart, Uber, Ola, Apollo Pharmacy, and more
IndusInd Bank Legend Credit Card
This credit card offers premium perks tailored to suit your lifestyle requirements.
Earn 2 reward points on every transaction of ₹100 on weekends
Enjoy up to 1.8% of discounted forex mark-up fee
Get a 1% fuel surcharge waiver to save on fuel purchases
Enjoy a complimentary stay at an Oberoi Hotel of your choice in India
AU Small Finance Bank LIT Credit Card
Use this card to meet everyday needs and enjoy high flexibility.
Get 5X or 10X reward points on domestic as well as international transactions
Enjoy 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Earn cashback of 5% thrice across a duration of 90 days
Enjoy up to 4 complimentary visits at airport lounges within a period of 90 days
Rupicard Credit Card
Get an opportunity to build your CIBIL score with this secured credit card.
Earn interest on your Fixed Deposit (FD) at up to 7% p.a.
Enjoy a high credit card limit of up to 90% of the FD amount
Get an opportunity to select your own credit limit
IndusInd Bank Platinum Aura Edge Credit Card
Enjoy contactless payments for convenient, secure, and fast transactions with this credit card.
Earn reward points of up to 8X on payments made to select merchants
Enjoy the flexibility of choosing from 4 types of reward plans
Get a 1% fuel surcharge waiver and save on fuel spends
Enjoy discount vouchers from multiple brands like Amazon, Big Bazaar, Flipkart, Apollo Pharmacy, Ola, Uber, and more as welcome benefits
Applying for zero annual fee credit cards on Bajaj Markets is convenient and straightforward. You need to follow these simple steps to get the card:
Click on the ‘Check Eligibility’ tab at the top of the page
Enter the required details, such as your phone number, date of birth, and profession
Accept the terms and conditions after reading them carefully
Click on ‘Next’ and fulfil the required formalities
Select a specific card and follow the steps to get approval from the issuer
Before finalising a lifetime-free credit card, being aware of the eligibility and the document requirements that issuers set is essential. This can make the application process more convenient and help avoid any unnecessary hassles. Here are the general eligibility parameters:
You must be a resident of India
You should be at least 18 years of age
You need to have a good credit score
You should have a stable income and employment
You should meet the income requirements for the credit cards you select
While the documentation requirements vary with each issuer, here is some general paperwork you may need to submit:
Recent passport-size photographs
Proof of Identity: PAN card, Aadhaar card, driving licence, passport, voter ID card, etc.
Proof of Address: PAN card, utility bills, Aadhaar card, driving licence, passport, voter ID card, etc.
Proof of Income and Employment: Latest salary slips and bank account statements
About Credit Cards Services
- Apply for Credit Card
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- Business Credit Card
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- Corporate Credit Card
- Credit Card against Fixed Deposit
- Credit Card Documents
- Credit Card Eligibility Criteria
- Credit Card EMI
- Features & Benefits of Credit Card
- Interest Rate on Credit Card
- International Credit Card
- Credit Card Limit
- Credit Card Lounge Access
- Credit Card Netbanking
- Credit Card Bill
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- Credit Card Reward
- Shopping Credit Card
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- Types of Credit Card
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- Credit Card Meaning
- Best Credit Card In India
Credit Cards Partners at Bajaj Markets
Non Partners Credit Cards
Frequently Asked Questions
Which banks offer lifetime-free credit cards?
You can get a lifetime-free credit card from multiple issuers with excellent perks. These include IndusInd Bank, AU Small Finance Bank, Rupay, ICICI Bank, etc.
Which are some of the best lifetime-free credit cards for travel?
The IndusInd Platinum Master Credit Card may be a suitable option for frequent travellers. You can enjoy deals and discounts on luxury hotels and travel insurance coverage, among other perks.
Can free credit cards be used overseas?
Yes, you can use most of the lifetime-free credit cards overseas without any restriction. However, remember to check the overseas banking charges for foreign transactions that the issuer levies.
Are there any other hidden charges if I use a lifetime-free credit card?
You can find details of all the fees and charges associated with the card on the issuer’s website. Another option is to connect with the customer care team of the issuer to confirm the charges.
What will happen if I utilise a lifetime-free credit card and do not clear the bill on time?
In case you fail to clear your dues on or before the due date, the issuer will levy a late payment penalty. The balance amount will also accrue interest as per the prevailing interest rates.
Can I get a credit card with no money?
Credit cards have minimum income requirements that you need to fulfil to get approval on your applications. Therefore, you may face rejection in case you do not have a stable income and employment.
How do I waive the annual cost of my credit card?
You can avoid paying the annual cost on your credit card by getting a lifetime-free credit card. This helps reduce your overall borrowing costs.
Can a credit card be lifetime-free?
Yes, lifetime-free credit cards come with zero annual charges. This way, you can initiate online and offline transactions while enjoying other perks without any charges.
Is there any credit card with no limit?
Most credit cards come with a credit limit. Issuers decide this limit based on a number of factors, including your credit score, age, income, etc.
Can I get lifetime-free credit cards without income proof?
The majority of credit card issuers request proof of income when you apply for a credit card. This helps lenders assess your repayment capacity and decide whether to approve your application or not. However, you could apply for a secured credit card if you have a low credit score since it allows you to pledge an FD as collateral against the card.
Is a credit card that comes with no fee truly free?
Some credit cards, known as lifetime-free credit cards, do not charge any annual fees. However, you may still need to pay additional charges for certain services and facilities.
