Lifetime Free Credit Card with No Joining / Annual Fee

Looking to apply for a lifetime free Credit Card? While no Credit Card is truly free for life, certain cards waive annual charges under specific offers or when your spending meets a set threshold in the preceding year. ICICI Bank provides Credit Cards with benefits that allow you to enjoy a "lifetime free" experience under such conditions.

In this blog, we’ll explore the advantages of these cards, the options available, and how to apply them with ICICI Bank.

What are Lifetime Free Credit Cards?

ICICI Bank offers certain Credit Cards with no annual fee and no joining fee. No annual and no joining fees are conditional privileges shared with cardholders when a customer exceeds a certain spent amount in a prescribed period.

Enjoy rewards on spending, access benefits and manage your finances effortlessly, all without the concern of hidden costs and the burden of fees. You can focus on the card's benefits rather than keeping track of fee payments.

Top Lifetime Free Credit Cards From ICICI Bank

1. ICICI Bank Platinum Chip Credit Card - H3

This Card lets you earn 2 Reward Points for every Rs 100 spent, which can be exchanged for a variety of products. Additionally, it provides security through a chip technology ensuring safe transactions.

Advantages

Get rewards on your purchases. Enjoy the added security feature of a Chip Card. It is a great choice for those looking to earn rewards while spending.

2. Amazon Pay ICICI Bank Credit Card 

Tailored for shopping enthusiasts, the Amazon Pay ICICI Bank Lifetime Free Credit Card offers cashback for every purchase that can be redeemed on Amazon and with 100+ partner merchants. Now, shop while you save.

Advantages

Earn rewards on every transaction and use the rewards to shop on Amazon as well as with partner merchants. A great choice for shoppers aiming to maximise their savings.

3. ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is a premium offering that lets you earn 2 Reward Points for every Rs. 100 spent on domestic purchases and 4 Reward Points on international transactions.

Advantages

Enjoy complimentary airport lounge access and dining discounts. Perfect for individuals looking to combine rewards with premium privileges.

The ICICI Bank Rubyx Credit Card comes with an annual fee of Rs. 2,000 (second year onwards). However, this fee is waived if your yearly spending exceeds Rs. 3,00,000, allowing you to enjoy its premium benefits without additional charges.

4. ICICI Bank Coral Credit Card

With this card, you can earn 2 Reward Points for every Rs. 100 spent on domestic transactions and 4 Reward Points for international transactions. Enjoy up to 15% savings on dining and complimentary access to railway lounges across India.

Advantages
Ideal for frequent travellers and diners. Get rewards for your spending and save on dining. Perfect for individuals looking to balance travel, dining, and rewards benefits.

The Rs. 500 annual fee (from the second year onwards) is waived if your yearly spending is more than Rs. 1,50,000.

5. ICICI Bank Sapphiro Credit Card

This card is best for enjoying complimentary lounge access, concierge services, and movie ticket benefits via BookMyShow.

Advantages
Best suited for premium users who value luxury and entertainment. A great choice for those seeking high-end privileges with reward benefits.

The Rs. 6,500 annual fee (from the second year onwards) is waived if the yearly spending is above Rs. 8,00,000.

Lifetime Free Credit Card Eligibility Criteria

Here is a guide to help you determine if you are eligible to apply for a Lifetime Free Credit Card online:-

• Age Requirement: You need to be 21 years old to apply for an ICICI Bank Lifetime Free Credit Card.
• Income Criteria: ICICI Bank mandates an income of Rs. 2.5 Lakh for Lifetime Free Credit Card applicants. However, the eligibility may differ based on the Card and your financial status. Ensure to meet the income criteria before submitting your application.
• Citizenship Status: Indian citizens, residents and non-residents are eligible to apply for Lifetime Free Credit Cards.

Lifetime Free Credit Card Documents

If you are applying for a Lifetime Free Credit Card against a Fixed Deposit, you need no documentation. However, ensure that the fixed deposit amount is ₹ 50,000 or above.

Here are the common documents you will need to apply for these Credit Cards without a fixed deposit:

Key Features and Benefits of Lifetime Free Credit Cards - H2

Cost Effectiveness

Opting for a Lifetime Free Credit Card can help you save and do not require you to make a yearly payment either. These cards are budget friendly, especially if you have the habit of using Credit Cards occasionally.

Accessibility 

By eliminating joining fees, these cards become a popular customer choice. This inclusivity allows more individuals to reap the benefits of owning a Credit Card without incurring charges.

Versatility

The zero joining fee feature adds to the freedom to use the card when needed, whether for shopping, emergencies or to improve your credit history. These cards can be used without the stress of fees.

Conclusion

It is a smart choice to select a Lifetime Free Credit Card from ICICI Bank that comes with no annual fee and no joining fee. These cards are free for life and offer rewards and exclusive benefits without any recurring charges.

Whether you require a Credit Card for daily expenses, travel or special discounts, ICICI Bank’s Lifetime Free Credit Card options present a cost-effective solution to meet your financial requirements. Apply today!