Top Lifetime Free (LTF) Credit Cards in India: Lifetime Free or LTF credit cards are increasingly becoming the preferred choice for credit card enthusiasts in India. Why, you might ask? It’s quite simple – they offer decent rewards without tying you down to fixed annual spending commitments. But with numerous options available, it’s essential to choose the right one that suits your needs. Here’s a comprehensive list of the best lifetime free (LTF) credit cards in India for 2023.
IDFC First Bank Credit Cards: A Universe of Rewards
IDFC First Bank Lifetime Free (LTF) Credit Cards – Rewards Galore
IDFC First Bank boasts some of the most attractive lifetime free credit cards in the Indian market. Their four variants – Millennia, Select, Classic, and Wealth – are all LTF and come with enticing rewards. These cards also offer complimentary railway and airport lounge access, plus roadside assistance, among other valuable perks.
- Reward Rate: Varies from 0.75% to 2.5%
- Best Use: Ideal for Online Transactions
- Lounge Access: Enjoy Both Airport and Railway Lounge Access (depending on the variant)
- Full Review
Amazon Pay ICICI Bank Credit Card: Unbeatable for Amazon Shopping
Amazon Pay ICICI Bank Lifetime Free Credit Card – Your Amazon Shopping Companion
When it comes to Amazon shopping, the Amazon Pay ICICI Bank credit card stands out. It offers an impressive 2% to 5% unlimited rewards on Amazon purchases and 1% on all other spending. The accumulation of unlimited rewards can significantly benefit your Amazon shopping experience. If you’re not equipped with Infinia/DCB, this card is your go-to choice for Amazon India shopping, and it’s a lifetime free card with one of the best rewards rates in the country.
- Reward Rate: Ranges from 1% to 5%
- Best Use: Perfect for Amazon India Purchases
- Lounge Access: Not Available
- Full Review
HSBC Visa Platinum Credit Card: Your Gateway to Airmiles
HSBC Platinum Lifetime Free Credit Card – LTF Card with Airmiles Transfer
The HSBC Platinum credit card is an entry-level lifetime free card with a unique feature – Airmiles redemption. It allows you to redeem rewards for Airmiles and Hotel Loyalty memberships. The rewards accumulated on this card can be transferred to Singapore Airlines KrisFlyer, British Airways Avios, and Taj Inner Circle in a 1:1 ratio. Remarkably, even the premium HDFC Bank Infinia doesn’t offer this feature.
- Reward Rate: Varies from 1.3% to 3%
- Lounge Access: Available only for the first year
- Best Use: Spend more than Rs 4 Lakhs for 5X Rewards and transfer to travel partners
- Full Review
OneCard – The Metal LTF Credit Card
Lifetime Free OneCard – The Alluring Metal Credit Card
OneCard is one of the most popular entry-level credit cards today. What sets it apart is its unique metal form factor, a feature typically reserved for super-premium credit cards. While the reward rate is slightly lower, OneCard offers enticing spending offers that can enhance your reward rate. Furthermore, it provides attractive merchant offers on platforms like Swiggy, Zomato, Amazon, Flipkart, and more, helping you save money.
- Reward Rate: Varies from 0.2% to 1%
- Lounge Access: Not Available
- Best Use: Optimal for General Spending and Merchant Offers
- Full Review
IndusInd Bank Legend Credit Card: Unmissable Merchant Offers
The IndusInd Legend credit card is now available as a lifetime free option. Grab this opportunity to benefit from IndusInd Bank’s merchant offers and other perks.
- Reward Rate: Ranges from 0.5% to 1.5%
- Lounge Access: Enjoy Domestic Airport Lounge Access
- Best Use: Ideal for General Spending and Availing Merchant Offers
AU Bank LIT Credit Card: A Rewarding Surprise
The AU Bank LIT credit card is an intriguing lifetime free offering. While the standard reward rate is modest at 0.25%, it comes with several features that can be activated at additional charges. When combined, these features can elevate the reward rate to an impressive 12.5% on certain expenditures.
- Reward Rate: 0.25%
- Lounge Access: Available at an extra charge
- Best Use: Activate features on demand to receive extra cashback
- Full Review
AU Bank Xcite Credit Card: A Versatile Choice
The Xcite card is the introductory variant of the new Xcite range of credit cards from AU Bank. You can acquire Xcite credit cards through online card-to-card applications based on your existing credit card limit.
- Reward Rate: Varies from 0.75% to 3.75%
- Lounge Access: Enjoy 2 visits per quarter to IRCTC railway lounges
- Best Use: Optimal for Dining, Movies, Grocery, and Departmental Store Purchases
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AU Bank Xcite Ace Credit Card: Simple Cashback Rewards
The Xcite Ace is a cashback credit card designed for Axis Ace users who prefer straightforward cashback rewards.
- Reward Rate: Ranges from 1% to 3%
- Lounge Access: 2 visits per quarter to IRCTC railway lounges and 2 visits per quarter to domestic airport lounges
- More Details
AU Bank Xcite Ultra Credit Card: The Ultimate Travel Companion
The Xcite Ultra, the top-tier variant in the Xcite series, offers remarkable returns on international transactions. It outshines most other cards in terms of rewards and benefits.
- Reward Rate: Varies from 1% to 3%
- Lounge Access: 2 visits per quarter to IRCTC railway lounges and 2 visits per quarter to domestic airport lounges
- Best Use: Perfect for International Spending
- More Details
Final Thoughts: LTF Credit Cards for a No-Strings-Attached Experience
In the midst of the buzz surrounding premium credit cards, we often overlook the significance of lifetime free (LTF) credit cards. These cards are an excellent choice for customers who are just embarking on their credit card journey. What better way to explore the convenience of credit cards than with a no-strings-attached LTF card?
While there are many more LTF credit cards available, the ones mentioned above stand out for their remarkable rewards and benefits. Do you believe there’s another credit card worthy of being on this list? Feel free to comment and share your thoughts. Choose wisely and enjoy the perks that these LTF credit cards bring to your financial journey.