Which credit card is completely lifetime free in India?
There are some cards that are listed free - either you need to check the individual card issuing banks website or check out the sites that list various cards from different banks. In other cases, bank make life time free offer for premium cards that are listed with joining and or annual fee (waived in some cases subject to minimal spends). Those are specific offers to the specific customer and cannot be used as a precedent by others to claim similar waiver. In all the decades that I have been holding and using credit cards, only once or twice I accepted cards that had some annual fee. All other cards were offered life time free to me I have for example HDFC Bank Regalia First Credit Card - a card that is listed as a Super Premium Card in HDFC Bank websitebut is free for me Similarly I was offered Kotak Urbane Credit Card that has some fee listed against it - but in my case, it is life time free If the card issuing bank thinks that you are a potential good customer, they may offer the card free So, look around and wait for the right offer.