four credit cards that offer lifetime free benefits
Today’s blog post discusses four credit cards that offer lifetime free benefits and can be advantageous for various purposes. We’ve created several posts about credit cards, covering their pros, cons, and how to earn money from them. However, we’ve often received questions about the best credit cards to choose. This blog post aims to address that query, particularly for those new to credit cards or seeking good options.
Let’s dive into the details of the first credit card, along with its features and benefits. But before that, there’s an important point to note.
In the credit card industry, you might have noticed individuals at airports or malls, urging people to sign up for credit cards. However, they often downplay hidden fees, particularly annual fees. These fees are imposed even if you don’t use the card throughout the year. Nowadays, apps can help you identify hidden fees, including annual charges. It’s crucial to be aware of this while considering a credit card.
People opt for credit cards to increase their spending limit and to access rewards and benefits. They find it reassuring to have an extra financial cushion in case of emergencies. This perspective guides many individuals towards credit cards.
It’s imperative to clarify that not all credit cards with annual fees are worthless. Some cards with such fees offer valuable benefits. Your usage pattern determines whether a card is suitable for you.
This blog post primarily caters to those seeking lifetime free cards, especially beginners or those wanting a hassle-free option without recurring fees.
Now, let’s get started without delay. We’ll discuss the credit cards deserving your attention.
Numerous credit cards exist, each with its benefits and features. However, some cards are inaccessible to the general public. The focus here is on cards that are lifetime free, accessible, and offer attractive rewards.
credit card from Exist Bank
First, consider the credit card from Exist Bank. Next, let’s explore the Myzone credit card, which is also a lifetime free card. With this card, you earn 4 edge rewards on every ₹200 spent. Enjoy dining offers, including a 40% discount on apps like Swiggy, up to four times per month. Exclusive dining discounts of 40% and a 15% discount at partner restaurants are additional perks. Moreover, shopping on Ajio grants you a flat ₹600 discount on spends over ₹2000.
The card also provides a 1% waiver on fuel surcharges when you spend on fuel transactions between ₹400 to ₹4000. Easy EMI conversion for spends over ₹2500, a complimentary airport lounge access, and a 100% discount on the second flight ticket are among the other benefits.
Moving on to the Legend credit card from IndusInd Bank, this card offers a lifetime free membership. It provides one reward point for every ₹100 spent on weekdays and double reward points on weekends. A bonus reward of 4000 points is granted for spending ₹6 lakhs in a year. Cardholders receive welcome benefits, gift vouchers from renowned brands, and movie benefits such as buy one get one free tickets.
The Millennia credit card from IDFC First Bank
The Millennia credit card from IDFC First Bank is a compelling option. It’s lifetime free and offers attractive features. For example, you gain access to railway lounges and earn 10x rewards on spends over ₹20,000 per month. Shopping rewards, milestone cashback, category-based cashback, and various discounts are also available.
Lastly, there’s the LIT card from
AU Small Finance Bank credit card
AU Small Finance Bank. This customizable lifetime free card offers robust reward points, fuel surcharge waivers, milestone cashback, category-based cashback, free memberships for services like Zee5 and Amazon Prime, and personal accidental coverage.
These cards cater to those seeking lifetime free options. If any of these cards align with your requirements, you’ll find the application link in the description box. Don’t hesitate to share this information with others so they can benefit from these insights. Feel free to like, subscribe, and engage with us. If you’re interested in a separate blog post about high-end credit cards, kindly comment below, and we’ll consider creating one. Until then, stay tuned for more valuable content.
Frequently Asked Questions (FAQs) – Lifetime Free Credit Card Guide
Q1: What are lifetime free credit cards, and how are they different from other credit cards?
A1: Lifetime free credit cards are credit cards that come with no annual fee, which means you will not be charged anything just for holding the card. Unlike traditional credit cards, which often have an annual fee that can add up over time, lifetime free credit cards offer the benefit of cost-savings without compromising on benefits.
Q2: Are these lifetime free credit cards suitable for first time credit card users?
A2: Of course! Our guide has been prepared to help first time credit card users make an informed choice. Lifetime free credit cards provide an ideal starting point, allowing beginners to enjoy rewards and perks without worrying about annual fees.
Q3: What benefits can I expect from the Lifetime Free Credit Card?
A3: Lifetime free credit cards come with a host of benefits such as reward points on spends, exclusive discounts on dining and shopping, fuel surcharge waiver, complimentary airport lounge access, and more. These benefits can enhance your overall financial experience.
Q4: Are these credit cards suitable for frequent travelers?
A4: Yes, many featured lifetime free credit cards offer special benefits for travelers, such as complimentary airport lounge access and fuel surcharge waiver. These amenities can significantly enhance the travel experience and save you money on essential travel expenses.
Q5: How do I apply for these lifetime free credit cards?
A5: In our blog, we have provided application links for each recommended credit card. Click on the link associated with the card you are interested in and it will take you to the application page on the respective bank’s website.
Q6: Are these credit cards available to all?
A6: Lifetime free credit cards are generally designed to be accessible to a wide range of applicants. However, approval depends on a variety of factors including your credit history and financial profile. It is advisable to check the eligibility criteria specified by the bank before applying.
Q7: If I choose the Lifetime Free card now, can I upgrade to a different credit card later?
A7: Yes, many banks offer the option to upgrade your credit card as and when your financial needs grow. If you find that your spending patterns change over time and you are looking for additional features or rewards, you can explore the option of upgrading your credit card with the bank.
Q8: Are there any hidden fees associated with the lifetime free credit card?
A8: Lifetime free credit cards are specially designed with no annual fee. However, it is essential to read the terms and conditions of each card thoroughly to understand any possible fees or charges that may apply to specific transactions or situations.
Q9: Can I use these credit cards for international transactions?
A9: Most of the recommended credit cards are accepted internationally and can be used for transactions abroad. However, it is advisable to check with the concerned bank about any foreign transaction charges or currency conversion charges that may be applicable.
Q10: How do I maximize the benefits of these lifetime free credit cards?
A10: To make the most of your lifetime free credit card, use it for everyday expenses, pay your bills on time to avoid interest charges and avail rewards and discounts offered. Keep track of promotions and offers that suit your spending habits to maximize your profits.
Remember, while our guide provides valuable information, it is always a good idea to visit the bank’s website or contact their customer service directly for the latest details before making any decisions.