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Home » Best Lifetime Free Credit Card: No Hidden Charges

Best Lifetime Free Credit Card: No Hidden Charges

Lifetime Free Credit Card

Credit Cards With No Annual Fees: Do you pay an annual fee for your credit card? Even if you don’t use it on a regular basis? Do you want a way out so you can save money?

So, please accept our Lifetime Free Credit Card. These credit cards have low to no application fees and no annual fees.

Where can I get them? How do you apply? Which banks offer the best interest-free credit cards for life? Don’t be concerned. All you’ll need to know about is this article.

If you want to know more about: Best Credit Cards for Students then click here.

When you see an advertisement claiming that credit cards can be obtained for free for the rest of your life, you may wonder if it is true or just another scam. Can a credit card truly be free forever? If they are, why are the banks charging for them?

The bill you pay for your card at the end of each month is determined by how you use it. In fact, if you use it wisely, you might not even have to pay the annual fee by the end of the month. Instead, you may receive substantial benefits in the form of rewards, cashback, and so on.

But, before we get there, let’s look at some of the most common charges that you might have to pay for your credit card.

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Annual fees

Most credit cards require you to pay an annual fee to the bank at the end of the year. However, if you are a frequent customer or meet a minimum spend (set by the bank), you may not have to pay this fee.

If the bank considers you a valuable customer, they may waive the annual fee on your credit card or even offer you a lifetime free credit card.

This means you won’t have to pay a single rupee as a joining fee or an annual fee. This would occur only if the card is a regular card and is not affiliated with any other banks other than your own.

What are Finance charges on Credit Card?

This is the fee that banks charge you for failing to pay your bill on time. All banks offer an interest-free period ranging from 25 to 50 days.

You do not have to pay this if you pay your credit card bill on or before the due date of your card.

Other fees

The bank may charge you a fee for using your card in a specific way, such as issuing a duplicate card, using your card in foreign countries, exceeding your credit limit, and so on.

You may be wondering how banks make money if they provide free credit cards for life. Well, merchant fees account for a sizable portion of the bank’s credit card earnings.

When you buy something and use your credit card to pay for it, a portion of the money goes to the bank. As a result, they don’t mind giving you a free credit card for life.

If you’re a student, then congratulation, Read: Best Credit Card For Students

Best 5 Lifetime Free Credit Card

All the Credit Cards are offered by ReferLoan itself and on applying for your cards from ReferLoan – you don’t have to pay any annual charges or joining charges at all. To apply for a credit card

Credit Card

Best Suited For

Best Feature

Amazon Pay ICICI Credit Card

Online Shopping at Amazon /Flipkart

Up to 5% unlimited cashback on Amazon

IDFC First Select Credit Card

Rewards and Travel

Get up to 10X reward points on spending above Rs.25,000/-

HSBC Visa Platinum Credit Card

Reward Points

Get best of cashback on Amazon, Swiggy, airport lounge and many more.

IDFC First Millennia Credit Card

Rewards and Travel

Spend of Rs.20,000 and get 6X reward points.

ICICI Platinum Chip Credit Card

Reward Points

Spent Rs.100 and got 2X reward points.


A lifetime free credit card never has a joining or annual fee. However, fees such as late payments, cash advances, interest, and so on will apply depending on how you use the card.

It is critical to understand which charges are exempt. In this case, it appears that the issuer has waived the joining fee, but annual /renewal fees will apply after the second year. Some cards also require that you use a specific facility within a certain period of time, say the first 90 days, to make the card lifetime free. When you receive a free credit card offer, carefully read the terms and conditions to ensure that the card has no fees.

Different credit cards have different annual fee waiver conditions. Typically, you must meet a certain spending threshold within a certain time period, say one year, to have the annual fee reversed or waived.

If you do not pay your bill by the due date, you will be charged late fees and finance charges (interest). The rate varies depending on the card. When you have an unpaid balance on your credit card, the interest-free period is also cancelled, which means that all new transactions will be subject to finance charges from the start.

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