A credit card with an annual fee is worth it because it offers higher rewards and if you can make the best usage to get those benefits. But sometimes, credit cards with zero joining or annual fees would be better in terms of long-term value. Even if these cards do not offer much in terms of rewards or cashback, you can keep them open without any cost and improve your credit score. Here we have listed the best lifetime free credit cards in India.
With each lifetime-free credit card, we have also suggested an alternative card with similar but better features and charges a nominal annual fee, to help you choose the best credit card . If you make smart use of these benefits, they would outweigh the nominal fee you pay.
Best Lifetime Free Credit Cards in India for 2022
|Credit Card||Best Suited For||Rewards/ Cashback|
|Amazon Pay ICICI Credit Card||Co-branded Benefits|
|IDFC First Select Credit Card||Rewards and Online Shopping|
|HSBC Visa Platinum Credit Card||Movies and Rewards|
|Bank of Baroda Prime Credit Card||Cashback||1% cashback on all your spends, i.e., 4 reward points (Equal to Re. 1 on redemption) for every Rs. 100 spent|
|RBL Insignia Preferred Banking World Credit Card||Premium Privileges|
|Kotak Fortune Gold Credit Card||Interest-free Cash Withdrawal||Cashback of Rs. 750 or 4 free PVR tickets on spending Rs. 1.5 lakh in a year|
*Terms and conditions are applicable.