Know Everything About the Best Lifetime-free Credit Cards for Beginners

Getting your first credit card is indeed exciting, but it can also be overwhelming. With so many options available, comparing different cards, their rewards programs, and the fine print may seem like a Herculean task.

If you are a beginner at using these cards, the ideal card would be the one that is simple, safe, and cost-effective. This is where lifetime-free credit cards come in. They typically serve as an entry point into the world of credit without burdening you with any financial obligation. 

What is a Lifetime-free Credit Card?

These types of credit cards do not require you to pay any joining or annual fees. The absence of these charges makes them attractive for beginners looking to establish a credit standing. Unlike premium cards, these financial tools may offer a wide range of rewards and perks without added costs.

Check out some of the benefits of using lifetime-free credit cards:

• Cost Savings: Since these cards do not come with joining or renewal charges, they ensure you do not pay anything as maintenance. Thus, you can use them for everyday expenses or emergencies, as per your needs.
• Exciting Perks and Advantages: These cards provide a variety of benefits, including discounts on shopping, dining, travel, movie tickets, and food delivery services. So, you can save money as you spend. 
• Welcome Bonus: Some of these cards also greet new users with enticing sign-up bonuses such as welcome reward points, gift vouchers, or complimentary subscriptions to popular OTT platforms.
• Low Income Eligibility: These cards generally come with minimal income requirements, making them easily accessible to a wider range of individuals. Use a credit card eligibility checker or see the list of eligibility terms on the website of the credit card company to determine whether you qualify for the card before applying.
• Simple Approval Process: Applying for these cards is typically hassle-free, with a quick and straightforward approval process.

Top Lifetime-free Credit Cards for Beginners

When choosing a credit card, strike the right balance between value and simplicity. Here are certain options that you may find useful: 

One Credit Card

This is a sleek metal card that comes with no annual or joining fee and is designed to redefine your relationship with money.

• Unlock 5X reward points on your top 2 spending categories of the month, whether it is groceries, dining, or travel
• Use the app to find offers near you, such as a flat 50% off at Oven Story 
• If you are new to credit and do not have an established credit history, you can also apply for the FD-backed variant

IDFC Bank FIRST SELECT Credit Card

This lifetime-free credit card allows you to enjoy various lifestyle benefits without having to worry about spending and added charges. Check out some of its features:

• Get 10X reward points on incremental spending over ₹20,000 in a statement cycle
• Save more every time you refuel your vehicle with a fuel surcharge waiver of 1%
• Convert any transaction worth over ₹2,500 into easy and manageable EMIs

HSBC Visa Platinum Credit Card

This card also brings you exciting rewards and privileges without any joining or annual charges. The following are some of its standout features:

• Get an Amazon e-voucher worth ₹100 and earn a cashback of ₹500 on spending ₹5,000 in the first 30 days of receiving your card
• Convert your points into air miles with Air India, British Airways, Singapore Airlines, and Etihad Airlines
• Earn 2 reward points on spending every ₹150 using this card

ICICI Bank Amazon Pay Credit Card

This lifetime-free card rewards you every time you swipe it. The following are some of its notable features and benefits:

• Get 5% cashback on shopping from Amazon if you are an Amazon Prime subscriber, and 3% cashback if you are not
• Earn 2% cashback on using this card at 100+ partner merchants
• Enjoy a 1% fuel surcharge benefit to reduce your overall cost of refuelling your vehicle

IndusInd Bank Platinum Credit Card

With this credit card, you can enjoy exclusive travel and lifestyle perks. The following are some of its benefits:

• Get 1.5 reward points on spending every ₹100 using this card
• Enjoy comprehensive insurance for lost or delayed baggage, lost ticket, missed connection, etc.
• Get fuel surcharge and reduce your overall cost of refuelling your vehicle
  

Choosing your first credit card is a big step, and opting for a lifetime-free card is a smart way to start building credit without worrying about extra costs. As a beginner, you are sure to want a card that is simple, secure, and packed with value. This is exactly what the best no-annual-fee cards offer.

Among the options out there, the One Credit Card stands out for its beginner-friendly features. This card allows you to earn 5X reward points on your top two spending categories each month. 

It also comes with a robust OneCard App, helping you to monitor your expenses with ease. With this feature, you can remain on top of your monthly expenses and clear your bills conveniently. Download the app or apply online to get started with your financial journey with this stylish credit card!