April 13, 2024

For those who use bank cards, you’ve most likely felt the pinch of annual and renewal charges. Banks sneakily add the renewal charge to final month’s invoice, making it a recurring problem. However, there’s a greater choice – go for a lifetime free bank card with none yearly charges. These playing cards are catching on as a result of they provide you a number of rewards and perks.

Try this checklist of seven nice lifetime free bank cards with no annual or becoming a member of charges. Be mindful, the order doesn’t signify any rating; I gathered this data straight from the banks’ official web sites as of November 27, 2023.

7 Free Credit score Playing cards

1. Customers Cease HDFC Financial institution Credit score Card

  • Get pleasure from a lifetime FREE bank card.
  • Get 6 First Citizen Factors for each Rs 150 spent on Customers Cease personal label manufacturers, as much as 500 factors per 30 days.
  • Earn 2 First Citizen Factors for each Rs 150 spent on different Customers Cease manufacturers and completely different classes (excluding gasoline and pockets transactions).

2. Lifetime Free Credit score Card – 811 (Kotak Mahindra Financial institution)

  • No annual or becoming a member of charges.
  • Earn 2 reward factors for each Rs 100 spent on-line.
  • Seize 1 reward level for each Rs 100 spent on different* purchases.

3. Basic Credit score Card (IDFC Financial institution)

  • No annual charge with a Lifetime Free Credit score Card.
  • Rating 10X Reward Factors for spending over Rs 20,000 month-to-month and in your birthday.
  • Earn 6X Reward Factors for on-line and 3X for offline purchases, as much as Rs 20,000 per 30 days.
  • Get pleasure from limitless Reward Factors that by no means expire.

4. Amazon Pay ICICI Financial institution Credit score Card

  • No becoming a member of or annual charge.
  • Your rewards haven’t any limits or expiry dates.
  • Amazon Prime members get 5% cashback on Amazon India purchases; non-Prime cardholders get 3% again (aside from digital and Reward Card purchases, which earn 2% again).
  • Earn 2% money again’
  • at 100+ Amazon Pay Accomplice retailers.
  • Get 1% cashback for all different funds.
  • Get pleasure from a 1% surcharge waiver for gasoline purchases.

5. YES Prosperity Buy Credit score Card (Sure Financial institution)

  • No becoming a member of or annual charge.
  • Get a 1% gasoline surcharge waiver in any respect gasoline stations throughout India for transactions between Rs 400 to Rs 5,000, with a month-to-month cap of Rs 500 per cycle.

6. Platinum Rewards Credit score Card (Customary Chartered Financial institution)

  • Seize a Platinum Rewards Credit score Card – it’s free for all times.
  • Get pleasure from 5X advantages on luxurious eating and gasoline, no month-to-month reward limits.
  • Earn 5 reward factors for each Rs 150 spent on eating and gasoline, with limitless month-to-month rewards.
  • Get 1 reward level for each Rs 150 spent on different classes.
  • Say goodbye to annual and becoming a member of charges; spend Rs 500 or extra inside 30 days from card issuance to keep away from a one-time charge of Rs 250 + GST.

Additionally learn:

Introduction of a ‘4-Hour Rule’ for UPI Funds By Authorities

7. Straightforward Credit score Card (Financial institution of Baroda)

  • Get 5X Reward Factors for each Rs 100 spent on Departmental shops and Film outings.
  • Earn 1 reward level for each Rs 100 spent on different classes.
  • Seize 0.5 reward level for each Rs 100 spent on Choose MCCs.
  • Get pleasure from a Gas Surcharge Waiver.
  • Expertise zero annual charges based mostly in your card utilization.

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