<\/span>Why Credit Cards Matter in Modern World?<\/strong><\/span><\/h2>\n\n\n\n

Credit Cards provide un-paralleled convenience and accessibility. Let\u2019s assume you went to a restaurant with your friends to throw them a treat and orders lots of food and drinks. At the time of billing, you get the bill 3X what you expected initial cost would be. You have 3 paying options at disposal which are Cash, UPI or Credit Cards. You are already shocked by the bill, so cash & UPI goes out of the picture. Now, Credit Cards provide you ease of cash flow and a free credit period of at-least 45 days with no extra charge. So, Life is unpredictable and so are the expenses that comes with it.<\/p>\n\n\n\n

<\/span>Build Credit History with Free Credit Cards and Enjoy the Perks<\/strong><\/span><\/h2>\n\n\n\n

One should use their credit cards responsibly to build an excellent credit history which can be useful once you have settled down. Banks check your credit score at the first go whenever you apply for a loan and if you\u2019re paying all your bills on time, credit history would be in excellent shape.<\/p>\n\n\n\n

Paying Credit Cards statement before due not only builds your worthy credit score but also helps you save extra higher interest rates which you have to pay if due date is passed.<\/p>\n\n\n\n

Utilizing Credit Cards limit responsibly and managing it can also reap rewards for the customer. Whenever a customer use their credit cards extensively and pay them before due date, Credit cards issuer pay reward points on every spends. From free flights and hotel stays to discounts on shopping, credit cards rewards can enhance your overall lifestyle and save you money.<\/p>\n\n\n\n

<\/figure>\n\n\n\n

<\/span>Are lifetime Credit Cards really free: Track Expenses?<\/strong><\/span><\/h2>\n\n\n\n

If you\u2019re credit worthy, banks or various financial institutions offer your Free Credit Cards i.e. no joining or annual fees. It means you can just apply for the card and voila, Card will be delivered at your doorstep. But One Question lingers, are they really Free Credit Cards ?<\/strong><\/p>\n\n\n\n

Yes, they are if you track expenses of all your Free Credit cards. It can be done by prudently checking your monthly statements where merchant names, date of transaction and amount spends are mentioned. This level of detail helps you to manage your expenses of all Free Credit Cards , pay them on time and reap rewards and discounts.<\/p>\n\n\n\n

Analyzing your spending patterns through these statements can give you financial understanding of your expenses and enables you to create budgets and plan for future expenditures.<\/p>\n\n\n\n

<\/span>Is there a credit card with no fees?<\/strong><\/span><\/h2>\n\n\n\n

Yes, there are many credit cards with NIL or no joining fees or even you spend good amount w.r.t your credit limit, you can even avail no annual fees on those cards.<\/p>\n\n\n\n

<\/span>TOP 10 LIFETIME FREE CREDIT CARDS In India<\/strong><\/span><\/h2>\n\n\n\n

Credit Cards<\/strong><\/td>	Annual Fees<\/strong><\/td>	Welcome Benefits<\/strong><\/td>	Key Features<\/strong><\/td><\/tr>
IndusInd<\/a><\/td>	NIL<\/td>	EazyDiner vouchers, access to the Luxe Gift Card, other vouchers from various brands<\/td>	1% surcharge waiver on fuel transaction between INR 400-4,000, 1.5 reward points for every INR 150 spent<\/td><\/tr>
ICICI Platinum Chip Credit Cards<\/a><\/td>	NIL<\/td>	None<\/td>	2 reward points per Rs. 100 spent on retail, fuel surcharge waiver, save up to 15% on dining bills at partner restaurants<\/td><\/tr>
IDFC First Select Credit Cards<\/a><\/td>	NIL<\/td>	Voucher worth INR 500<\/td>	credit card concentrating solely on supermarkets and departmental stores and provides flat 5% cashback in a very hasslefree manner. It can be considered one of the best credit cards for beginners.<\/td><\/tr>
Amazon Pay ICICI Credit Cards<\/td>	NIL<\/td>	Unlimited reward points.<\/td>	Discount of 15% on your dining bill at partner restaurants.<\/td><\/tr>
Axis Bank Insta Easy Credit Card<\/td>	NIL<\/td>	100 EDGE points on the first online transaction.<\/td>	No income proof required and minimum documentation.<\/td><\/tr>
RBL Bank BankBazaar SaveMax Credit Card<\/td>	NIL<\/td>	Free monthly Credit Advisory Report<\/td>	Groceries: 100 = 5 points | Other spends: 100 = 1 point<\/td><\/tr>
HSBC Visa Platinum Card<\/td>	NIL<\/td>	NA<\/td>	Dining, Shopping, Fuel<\/td><\/tr>
AU Bank LIT Credit Card<\/td>	NIL<\/td>	NA<\/td>	Reward Points, Movie tickets<\/td><\/tr>
Kotak Fortune Gold Credit Card<\/td>	NIL<\/td>	NA<\/td>	High cash limit, Fuel, Movie tickets<\/td><\/tr>
Dhanlaxmi Bank Platinum Credit Card<\/td>	NIL<\/td>	NA<\/td>	Shopping, Cashback<\/td><\/tr>
<\/td>	<\/td>	<\/td>	<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n <\/span>Methodology for Choosing the Best Lifetime Free Credit Card<\/strong>s<\/span><\/h2>\n\n\n\n Lifetime free cards available in the Indian market and accordingly we have come up with the above options. All the factors are specific to the free cards and should not be compared to paid cards as the grading is free card centric.<\/p>\n\n\n\n We have considered following factors while scoring the credit cards :<\/p>\n\n\n\n 1. Picked on the basis of the real time value of the benefits and not for the benefits which are there for the hack of it.<\/p>\n\n\n\n 2. Cards should not have any hidden charges.<\/p>\n\n\n\n 3. There should not be any difficult terms and conditions.<\/p>\n\n\n\n 4. The cards should be simple to use and not complex as far as their rewards are concerned.<\/p>\n\n\n\n 5. Number of add-ons features available have also been considered.<\/p>\n\n\n\n <\/span>Is a no annual fee credit card good?<\/strong><\/span><\/h2>\n\n\n\n It depends on customer\u2019s current expenses. If one feels, free credit cards offered doesn\u2019t provide any value to their wallet then they should opt for premium credit cards. Lifetime Free credit cards sometimes have lower reward or cashback offers. Sometime, even premium credit cards offered by the banks can be availed with no joining fees but if one spends those cards extensively in a year, their annual fees can also be reversed. Please note an informed decision should be taken before taking such premium credit cards.<\/p>\n\n\n\n <\/span>How to get 1lac credit cards limit?<\/strong><\/span><\/h2>\n\n\n\n Using Free Credit cards can be luring but using them responsibly should be a major check-point. Utilizing credit cards responsibly and maintaining positive payment cycles can help you get your credit limit increased over time. A higher credit limit not only improves your purchasing power but also help you score well in credit worthiness which in turn enhances your financial standing.<\/p>\n\n\n\n <\/span>Credit Worthiness for <\/strong>Beginners?<\/span><\/h2>\n\n\n\n Students or youngsters who have never availed any loan or credit from any bank finds it tough to build their financial standing. Lifetime free credit cards can help them to manage their finances and gave them great future financial planning lessons and build a valuable credit history.<\/p>\n\n\n\n <\/span>Types of Credit Cards?<\/strong><\/span><\/h2>\n\n\n\n \n Top 10 Lifetime Free Credit Cards<\/li>\n\n\n\n Fuel Credit Cards<\/li>\n\n\n\n Student Credit Cards<\/li>\n\n\n\n Shopping Credit Cards<\/li>\n\n\n\n Lifestyle & Business Credit Cards<\/li>\n\n\n\n Business Credit Cards<\/li>\n<\/ol>\n\n\n\n <\/span>Lifetime Free Credit Cards Eligibility:<\/strong><\/span><\/h2>\n\n\n\n You can ensure your Credit card application is approved , one must meet certain Eligibility credit requirements . Each bank or financial partner may have different eligibility parameters but following are standard to apply :<\/p>\n\n\n\n \n Customer should be minimum 18 years of Age<\/li>\n\n\n\n Minimum Income should be atleast 1 Lacs<\/li>\n\n\n\n Applicant should be salaried or self-employed.<\/li>\n\n\n\n Applicant be should be resident or citizen or non-resident of India (NRI) .<\/li>\n<\/ol>\n\n\n\n <\/span>Are there any hidden charges in top lifetime free credit cards?<\/strong><\/span><\/h2>\n\n\n\n No, there are no hidden charges in lifetime free credit cards. You can pay only when you spend.<\/p>\n\n\n\n <\/figure>\n\n\n\n <\/span>Conclusion:<\/strong><\/span><\/h2>\n\n\n\n Lifetime Free Credit cards can enable you to achieve financial freedom in a much organized and prudent manner. It can help you to build your strong financial standing and valuable credit score. If used wisely, you can optimize your monthly spends and achieve stress free credit worthiness of any financial institution in long run.<\/p>\n","protected":false},"excerpt":{"rendered":" In the world of Digital Banking, your wallet needs Credit Cards. They are basically plastic money which one can carry around easily. It is just not a luxury but a necessity. Free Credit cards can offer a multitude of benefits that can simplify your financial wellbeing and provide your various advantages at the same time. …<\/p>\n How to get Lifetime Free Credit Cards : Smash the Myths<\/span> Read More »<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[5],"tags":[],"class_list":["post-67","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"_links":{"self":[{"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/posts\/67","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/comments?post=67"}],"version-history":[{"count":2,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/posts\/67\/revisions"}],"predecessor-version":[{"id":73,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/posts\/67\/revisions\/73"}],"wp:attachment":[{"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/media?parent=67"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/categories?post=67"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bimamonkey.com\/wp-json\/wp\/v2\/tags?post=67"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}