Lifetime free credit card FAQs
There is no joining or annual fee, but interest, late payment charges and foreign currency markup still apply if you incur them.
Best lifetime free credit cards
Lifetime free cards charge no joining fee and no annual fee. Compare what they still charge: the monthly interest rate, late payment slabs and foreign currency markup.
- No joining or annual fee
- A low-cost first card
- Many still earn cashback or points
How much does it cost to carry a balance?
Enter your typical monthly carry balance to see the estimated interest cost for each card below.
Compare 3 lifetime free credit cards
| Card | Name and rating | Annual fee | Purchase rate | Interest-free days | Foreign transaction fee | Monthly cost | |
|---|---|---|---|---|---|---|---|
IDFC FIRST Bank •••• •••• •••• •••• Credit Card Compare | ₹0 | 46.20% p.a. | Up to 45 | 0% | ₹1,444/mo | ||
ICICI Bank •••• •••• •••• •••• Credit Card Compare | ₹0 | 45.00% p.a. | Up to 48 | 1.99% | ₹1,406/mo | ||
Axis Bank •••• •••• •••• •••• Credit Card Compare | ₹0 | 55.55% p.a. | Up to 50 | 3.5% | ₹1,736/mo |
Lifetime free by the numbers
3
Cards compared
48.92% p.a.
Average purchase rate
48 days
Average interest-free days
Questions and answers
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Related card types
Sources
- Credit Card Compare
- How CardIQ scores cards