A lifetime free credit card comes with zero joining or annual fee. These free credit cards are best suited for beginners or first-time card users, who have just begun their professional journey or have never taken any form of credit in the past.

Explore the best lifetime free credit cards in India. Find, compare and apply for a credit card with no annual charges. Choose the card based on your needs and enjoy reward points, cashback, sign-up bonus and much more.

For more information refer to: https://www.apsense.com/article/lifetime-free-credit-cards-everything-you-should-know.html

ICICI Instant Platinum Credit Card

ICICI Bank Instant Platinum Credit Card is a secured credit card that is issued against a fixed deposit. Anyone who can open a FD account with at least Rs. 20,000 can avail this credit card. 

IDFC FIRST Bank Classic Credit Card

The IDFC First Bank Classic Credit Card is a lifetime free credit card offered by IDFC First Bank. This rewards credit card offers a wide range of benefits under the reward points category apart from other categories such as entertainment, travel, etc.

HSBC Visa Platinum Credit Card

The HSBC Visa Platinum Credit Card is a credit card that comes with zero joining fee & annual fee. This card has unsurpassed offers and rewards, with instant recognition and exclusive privileges.

Cashback is a popular incentive offered by many credit card companies. Users can participate in a rewards programme called cashback to receive a portion of their spending back on purchases. In India, there are various cashback credit cards that are easily accessible, and the bulk of them offer extra benefits on particular kinds of transactions.

For more information read: https://prabh-singh.blogspot.com/2022/09/pros-and-cons-of-cashback-credit-cards.html

Following are the advantages and disadvantages of Cashback Credit Cards:

Advantages of Cashback Credit Card:

Shopping benefits: If you are a frequent buyer then cashback credit cards offer you many advantages.

Easy to understand: It is very simple to understand. India has a wide range of cashback credit cards, the most of which provide additional rewards on specific types of transactions. 

Disadvantages of Cashback Credit Card:

Limit to Cashback: There are many criteria that need to be followed to be eligible for cashback on regular or special purchases.

Expiration of Cashback: If you do not use your cashback on time then your cashback can expire.

If you're new to credit or trying to rebuild, checking a credit card's terms and conditions before you apply can help you spot red flags that are likely to cost you more and help you less.To end up with the right card in your wallet, it's important to steer clear of predatory options. Here are five red flags to look out for.

For more information read: https://www.launchora.com/story/credit-card-red-flags-to-avoid

Excessive Fees: There are credit cards specifically designed for people who are working to build or rebuild credit, and most do not charge fees for setup or monthly maintenance fees. Before you apply, check to be sure that you won't be paying fees that you can easily avoid.

Partial credit reporting: Cards with incomplete credit reporting can be problematic because you won't necessarily know from which bureau a future lender might be pulling your credit report.

High interest rates: If you don't carry a balance month to month, then a credit card's interest rate is irrelevant; you'll never owe any interest. But financial hardship and other factors can make it necessary to carry debt, which can be convenient but expensive.