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.

Nowadays, the majority of individuals compare credit cards based on their features as well as their credit limits.To draw more and more client’s attenction, credit card issuers increase the perks and rewards available on their cards. Access to free airport lounges is one of the most incredible benefits offered by credit cards. With international airport lounge access credit cards have grown to be a popular choice for this age.

For more information refer to: https://www.slideserve.com/kartik7/list-of-best-credit-cards-for-free-international-airport-lounge-access

Choosing the best credit card for airport lounges can be very difficult because there are so many credit cards available that offer access to the same.

Following is the list of best credit cards for free International Airport Lounge Access:

HDFC Infinia Credit Card Metal Edition

A super-premium card, HDFC Bank Infinia Credit Card Metal Edition,is only available to certain customers who receive a special invitation from the bank. This credit card offers perks in a variety of categories, including travel, rewards, shopping, dining, etc.

Citibank Prestige Credit Card

With air miles and reward points, the Citi Prestige Credit Card is a premium lifestyle credit card.  You can take advantage of complimentary golf rounds, free priority pass access to airport lounges, free fast track immigration at airports, and more while staying one night at a partner hotel.

Axis Bank Magnus Credit Card

Using the Axis Bank Magnus Credit Card, you can take advantage in the form of rewards and cashbacks.You can apply for this card by simply visiting the bank branch or through the website.

In India, many credit cards offer appealing benefits in form of cashbacks, reward points , fuel savings, travel benefits and many more. To maximise these benefits, choose a credit card that perfectly suits your requirements, lifestyle and spending habits. It may be difficult to pick a credit card when a variety of options are out there. Making it simpler for you, we have specified the best credit cards available in India offered by various card issuers, based on  categories such as travel, fuel, reward points, and shopping.

For more information read: https://www.slideserve.com/kartik7/best-credit-card-in-inda

Top 5 Best Credit Card in India

Axis Bank Ace Credit Card: 

For newcomers looking for good cashback at a low annual fee, this credit card seems to be the best option. With this card you will get 5% cashback on mobile recharges via google pay and bill payments along with other benefits such as dining, domestic lounge visits. This card offers the highest cashback rate of 2% in the market.

HDFC Bank Regalia Credit Card:

HDFC Bank Regalia credit card is a premium credit card that comes with multiple benefits on various categories such as dining, travel, shopping and more. This card is best for people who want to avail expensive benefits such as Priority Pass membership, airport lounge access. 

Flipkart Axis Bank Credit Card: 

Among one of the best credit cards in India, Flipkart Axis Bank Credit Card provides their users upto 5% cashback on online shopping platforms including Myntra, Flipkart and other partner websites. You will get 1.5% cashback on all rest of spendings. After Axis Bank Ace Credit Card, this card offers the second highest cashback rate in the market.

SBI Bank Elite Credit Card:

SBI Bank Elite Credit Card offers good benefits across multiple categories like shopping, movies, travel. This card is a highly rewarding credit card with a reward rate of 2.5% on some categories.You will receive a gift voucher of ₹ 5,000 as a welcome gift.

Amazon Pay ICICI Bank Credit Card:

In partnership with Amazon, this card is one  of the popular cashback credit cards, offering 5% cashback on all purchases at amazon(only to Amazon Prime Members) and 1% on others. Annual Charges or Joining fees of this card is zero, which make this card free for a lifetime.

RuPay offers a range of credit card variants that give cardholders the option to choose a card as per their needs and requirements. RuPay credit cardholders also get a number of deals and offers to make its use more convenient.

RuPay Credit Cards are currently available in three variants - RuPay Classic, RuPay Platinum, and RuPay Select.

For more information refer to: https://issuu.com/kartik745/docs/top_best_rupay_credit_cards

Best RuPay Credit Cards:

PNB RuPay Select Credit Card:  The RuPay Select Credit Card by the Punjab National Bank caters to a wide range of customers who indulge in shopping online, travelling and dining frequently.

Union Bank of India RuPay Credit Card:  Union Bank was the first bank to launch RuPay credit cards in association with NPCI. It provides two variants of these cards – Platinum and Select. 

Shaurya SBI RuPay Credit Card:  SBI Card has launched Shaurya SBI Card and Shaurya Select SBI Card for the defence personnel.Cardholders will earn bonus reward points on Canteen Stores Department (CSD), Dining, Movies, Departmental Stores, and Grocery Spends. 

Free airport lounge access is a luxury much sought by frequent travellers. These lounges provide a respite from the crowds and noise of the airport. You can find comfortable seating, charging ports for your devices, and even complimentary snacks.Through this podcast, you will get all the details like which credit card gives you access to domestic and international airport lounges, annual charges, which bank card offers lounge access etc.

For more information refer to: https://www.tumblr.com/cardinsider/694908384100630528/international-airpot-lounge-acess?source=share

SBI Elite Credit Card

SBI Elite Credit Card is an all-rounder premium credit card with benefits across varied categories including travel, shopping, movies and more. With a reward rate of 2.5% SBI Card Elite is a highly rewarding card, especially if you are a high spender. Read more to know about the detailed features and benefits of the card.

American Express Platinum Card

The Platinum card offers premium travel benefits including airport lounge access, exciting travel vouchers, Taj Experiences E-Gift Card worth Rs. 10,000 from the Taj, SeleQtions and Vivanta Hotels, and a lot more. 

HDFC Bank INFINIA Credit Card Metal Edition

Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.

Citi Prestige credit card

Citi Prestige credit card is a suitable option for high spenders. you get unlimited access to more than 800 global priority pass lounge

Among Indians, one of the popular credit cards is InterMiles ICICI Sapphiro Credit Card which offers you travel points on every transaction, great deals on travel and movie ticket bookings and free access to airport lounges. While on the contrary Emirates Skywards ICICI Bank Credit Card is co branded credit card launched by ICICI Bank in partnership with Emirates Skywards.This card enables its cardholders to earn Skyward Miles on travel category and everyday spends.

For More Information Refer to: https://cardinsider.bcz.com/2022/09/07/intermiles-icici-sapphiro-vs-emirates-skywards-icici-sapphiro-credit-card/

InterMiles ICICI Sapphiro Credit Card

As you activate your icici sapphiro credit card for the first time, and pay the first year joining fee, you will receive 10,000 bonus intermiles points, an Rs.750 gift voucher for hotel booking, and another Rs.750 voucher for flight booking.The Visa variant of the icici sapphiro credit card also offers a slightly different reward points program. 

Emirates Skywards ICICI Sapphiro Credit Card  

Earn up to 1.5 Skywards Miles on every Rs. 100 spent. The Skywards Miles earned can be used to book hotel stays, trips, live events, cultural events etc. With your Emirates Skywards Bank Rubyx Credit Card you get access to 1 domestic lounge access per quarter via Dreamfolks Pass.