Best Lifetime Free Credit Cards

The annual/joining fee is an essential factor we all consider when looking for the perfect credit card. Everyone desires a credit card that offers maximum benefits with minimum charges. Everyone has different needs and requirements. While some would like a premium credit card and are willing to pay a high fee for it, some would want to opt for lifetime free credit cards as they might occasionally use it or simply don’t want to pay charges for the same. Keeping such individual requirements in mind, almost all card issuers and financial institutions issue some lifetime free credit cards. From HDFC Bank to IDFC, all credit card issuers in India have some form of lifetime free secured or unsecured credit card offerings.

What is an LTF Credit Card?

As the term suggests, a lifetime free credit card has no annual fee. This means that you won’t have to pay any yearly charges for using this card. Many people choose to start their credit journey with an LTF card, as it appears to be the most affordable and low-risk option.

LTF credit cards offer benefits similar to those of any other credit card. Some may provide BOGO offers on movies, while others offer free lounge access. All major credit card issuers in India offer some cards with no joining or renewal charges. However, these credit cards usually have fewer features and benefits compared to those with an annual fee. We have compiled a list of India’s top lifetime free credit cards below. These credit cards come with no annual fee. The cards on our list have an easy application process and come without any hidden charges. For better convenience and more options, we will also include credit cards that offer lifetime free benefits.