Credit cards are a convenient way to manage your finances and earn rewards for your spending. While many credit cards come with annual fees, there are some that offer lifetime free memberships. In this article, we will highlight the best lifetime-free credit cards available in India.
Factors to Consider When Choosing a Credit Card
Before diving into the best life-free credit cards, it’s important to consider a few factors when choosing a credit card:
- Credit Score – Your credit score plays a crucial role in determining your eligibility for a credit card. It’s important to have a good credit score to increase your chances of getting approved for a credit card.
- Interest Rates – Credit cards often come with high-interest rates, so it’s important to choose a card with a low-interest rate to avoid accruing high-interest charges.
- Rewards Program – Credit card rewards programs can vary widely, so it’s important to choose a card with rewards that align with your spending habits.
- Annual Fees – Some credit cards come with annual fees, which can offset the benefits of the rewards program. Choosing a card with no annual fee can help you save money in the long run.
Best Lifetime Free Credit Cards in India
- Standard Chartered Platinum Rewards Card – This card offers 5 reward points for every Rs. 150 spent, as well as discounts on dining, shopping, and travel.
- HDFC MoneyBack Card – This card offers 2 reward points for every Rs. 150 spent, as well as cashback on specific categories such as groceries and fuel.
- ICICI Amazon Pay Credit Card – This card offers cashback on Amazon purchases, as well as 1% cash back on all other purchases.
- Axis Bank Flipkart Credit Card – This card offers cashback on Flipkart purchases, as well as 1.5% cash back on all other purchases.
- SBI SimplyCLICK Credit Card – This card offers rewards on online shopping, as well as 1% cash back on all other purchases.
Using a Credit Card Apply App
Using a credit card apply app, such as the one provided by BankBazaar, can help you compare and apply for credit cards online. These apps allow you to input your spending habits and credit score to find the best credit card offers for you.
Conclusion
In conclusion, lifetime free credit cards can be a great way to manage your finances and earn rewards on your spending without paying an annual fee. When choosing a credit card, it’s important to consider factors such as your credit score, interest rates, rewards program, and annual fees. The five-lifetime free credit cards highlighted in this article – Standard Chartered Platinum Rewards Card, HDFC MoneyBack Card, ICICI Amazon Pay Credit Card, Axis Bank Flipkart Credit Card, and SBI SimplyCLICK Credit Card – offer a variety of rewards and benefits to suit different spending habits. By using a credit card apply app, you can easily compare and apply for credit cards online to find the best one for you.
