Wish to buy your first credit card, but are high annual charges pushing you back? Don’t worry, we have got the best solution for you, Lifetime Time Free Credit Card. These cards are not only free for a lifetime as they charge zero annual fees and joining fees but also offer unbeatable benefits to their users. If you wish to know the most about these amazing lifetime free credit cards, then you are at the right place. We bring to you an article on everything you need to know about life free credit cards.

Meaning

Lifetime free credit cards are credit cards that charge no annual fees and joining fees from you. 

Common Offers and Benefits

•No Annual fees: No annual fees are charged from you if you are a Lifetime free credit cardholder.

•No Joining fees:No joining fees are charged from you if you are a Lifetime free credit cardholder making it a cost-efficient card from day1.

•Cashbacks: Cashbacks are one of the amazing benefits offered by a lifetime free credit card allowing you to earn while spending. Cashback on credit cards can be in the form of rupees or points and are offered up to a certain percentage of your spending. These points can be redeemed to make actual purchases on available offers on your lifetime free credit card.

•Reward Points:Reward Points are offered by many lifetime free credit cards helping you earn while spending. Reward Points on credit cards can be in the form of points. These points can be redeemed to make actual purchases on available offers on your lifetime free credit card.

•High cash withdrawal limit: With some top-rated lifetime free credit cards, you get a high cash withdrawal limit without paying any annual fees.

•Offers on Dining and Travel: Heavy discounts on dining are offered on many lifetime free credit cards by tying with top restaurants. As travel benefits most lifetime free credit cards offer benefits of lounge access in domestic and international airports, discounts on hotels, tickets etc, thereby, providing you with a premium experience at a cost-effective rate. 

•Fuel Surcharge Waiver: Many lifetime free credit cards offer a fuel surcharge waiver of 1% on top rates chains of fuel stations.

Basic Procedure for Application 

•Step 1:Browse through the credit card section of your shortlisted bank. Choose a no-fee credit card or lifetime free credit card from the list of credit cards that suits your requirements the best.

•Step 2: Go through the eligibility criteria of your respective bank for the lifetime free credit card you wish to apply for carefully before applying. As if you don’t fulfil the eligibility requirements, your application might get rejected at a later stage.

 •Step 3:If you match all the requirements of eligibility criteria like income requirements, Job occupation, nationality, age limit etc, you can go ahead and click on the ‘Apply’ button.

•Step 4: You must provide basic details such as name, age, nationality, income proof etc.

•Step 5:After providing basic details you need to submit requisite documents related to Income proof, Identity proof and Address proof so that your application could be verified and further processed by the bank. 

•Step 6:Once you have entered all the basic details along with uploading the necessary documents click on the ‘submit’ button. Congratulations, your application procedure is complete. 

Basic Eligibility Requirements 

•Age: You must be between the group of 21-60 years. For some lifetime free credit cards, the minimum age requirement might be as low as 18 years and the maximum age limit may be as high as 65 years.

•Employment: Only salaried or self-employed individuals are eligible for lifetime free credit cards.

Basic Document Requirements 

1. Proof of Identity

Letters issued by the UIDAI or any other 

photo ID proof approved by the government.PAN Card, Aadhaar card, Overseas Citizen of India Card, Person of Indian Origin Card, Driver’s Licence, Passport, Voter’s ID, Job card issued by NREGA.

2. Proof of Address

Person of Indian Origin Card, Job card issued by NREGA, Aadhaar card, Driver’s Licence, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Bank Account 

A statement or any other government-approved address proof.

3. Proof of Income

Latest Form 16 along with the latest or 2 salary slips (not more than 3 months old), Last 3 months’ bank statement.

Many lifetime free credit cards offer more value to their users than those credit card which charge annual fees. We are sure you must be amazed after reading about lifetime free credit cards. So, why wait for more time? Grab your first-lifetime free credit card, now!

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