List of LIFETIME FREE CREDIT CARDS (LTF)

[harsha1]

Hi Team, can someone please share lifetime free credit cards (LTF) all banks, and application links. and what would be credit limit given by each bank?

 

[drsel]

Will you be kind enough to disclose your list of LTF CC s and how you are achieving 8% with these cards?

The lifetime free cards give only 1% return

He is including the 10% credit card discount discount which you get during the sales on Amazon, Flipkart and other websites.

 

[ujjwal2024]

The lifetime free cards give only 1% return

He is including the 10% credit card discount discount which you get during the sales on Amazon, Flipkart and other websites.

Then What about the normal time or Normal shopping or normal payment without any offer?. That time will any LTF card will give 8% return?

 

[drsel]

Then What about the normal time or Normal shopping or normal payment without any offer?. That time will any LTF card will give 8% return?

No of course not but everybody uses these 1% cards only when there is a 10% sale on Amazon Flipkart and others

 

[sunit123]

Then What about the normal time or Normal shopping or normal payment without any offer?. That time will any LTF card will give 8% return?

Bro..my 75% spend is online only...For offline shopping which is 15% spend, i use GV's using Credit Cards whichever gives max discount normally between 5% to 15%... Rest 10% offline, i pay by regalia gold (my wife as mine is cancelled recently) or sapphiro (both LTF) or UPI.

 

[ujjwal2024]

Bro..my 75% spend is online only...For offline shopping which is 15% spend, i use GV's using Credit Cards whichever gives max discount normally between 5% to 15%... Rest 10% offline, i pay by regalia gold (my wife as mine is cancelled recently) or sapphiro (both LTF) or UPI.

ok But how Regalia Gold and sapphiro gives 8% return..please don not mind...I do not know about it...please clarify

 

[sunit123]

ok But how Regalia Gild and sapphiro gives 8% return..please don not mind...I do not know about it...please clarify

For 90% spend return is 8.5% and for rest 10% it is 1.5% then average is more than 8%

 

[Animesh67]

For 90% spend return is 8.5% and for rest 10% it is 1.5% then average is more than 8%

Bro either you are calculating something wrong or we cannot understand your calculation. Share you full calculation.

 

[navdeep22]

Bro either you are calculating something wrong or we cannot understand your calculation. Share you full calculation.

Bhai
8.5% of 90 + 1.5% of 10 kitna hoga

Apne total average return bta rha hai wo, sirf offline k nahi

 

[Nemesis]

Cards with unconditional LTF offer
ICICI: Platinum/Coral Rupay/MMT(JF)/Apay
Axis: Neo VISA
Federal: CELESTA/IMPERIO/SIGNET (till July 21st)
One card - Currently Not Issuing
Kotak: league platinum/Myntra(through Myntra App-3 yrs LTF) - Currently Not issuing
SC: platinum Rewards
HSBC: Visa platinum
IDFC: wealth/select/classic/Millennia
AU: LIT/Altura/Altura+/+(swipe-Up cards)
BOB: additional virtual cards are LTF
Yes bank: Maxima/Rupay cc - u must have their core cc first to apply for this
Indusind: Eazydiner plat/Aura Edge/Rupay platinum/Legend
RBL: Duet
IDBI/PNB/UBI/CANARA/BOI/INDIAN BANK: There r some cards issued by these Banks but I Don't know the names of the cards

There are some conditional LTF offers Too
AU ixigo cc
HDFC Swiggy cc
Axis Myzone/Neo rupay - for a limited time
ICICI cards - most people r getting LTF upgrade offers if u have Apay cc or ICICI Core cc/ Alumni offer for specific colleges
HDFC C2C LTF cards for corporate salaried emp
BOB - They occasionally provide LTF offers on their EASY/SELECT/PREMIER Cards
PNB - use their cards at least once in a quarter then the card will be not chargeable
Indusind Pinnacle - only for NTB customers (Spend 50k in first 3 mons and avoid 5k JF )

U can get some other cards as LTF if u get pre approved or u can negotiate with the retention team of that particular card issuer.

Guys.... Correct the above data if u find any mistakes 🙂

How to apply for c2c in hdfc?

 

[Fini7777]

How to apply for c2c in hdfc?

Have to visit branch and find a cc agent
They will do it for u

 

[vine]

IDBI is a Private bank now.
.

It's now more like LIC's own personal bank, they own more than half of it.
IDBI does talk like a govt Bank, walks like a govt Bank, slow service like a govt bank, non-existent support like a govt bank.

 

[Trust Me]

It's now more like LIC's own personal bank, they own more than half of it.
IDBI does talk like a govt Bank, walks like a govt Bank, slow service like a govt bank, non-existent support like a govt bank.

It's a pity! Because when it had started operations (as a New Generation, Government-owned Bank), it used to be the best Indian Bank I'd ever had a relationship with (either public or private)! It gradually fell apart right before my eyes.
.

 

[Fini7777]

Currently BOB's easy, select, premier credit cards are being offered LTF

If u r interested u can directly apply from their official website..

 

[Ak Singh]

Currently BOB's easy, select, premier credit cards are being offered LTF

If u r interested u can directly apply from their official website..

Is it conditional ltf offer or unconditional?

 

[Nemesis]

Is it conditional ltf offer or unconditional?

Unconditional... You can see on their last page of application

 

[CreditCardFino]

For 90% spend return is 8.5% and for rest 10% it is 1.5% then average is more than 8%

That's impossible 4 RP/150 at 0.2

 

[skip_tyler]

Cards with unconditional LTF offer
ICICI: Platinum/Coral Rupay/MMT(JF)/Apay
Axis: Neo VISA
Federal: CELESTA/IMPERIO/SIGNET (till July 21st)
One card - Currently Not Issuing
Kotak: league platinum/Myntra(through Myntra App-3 yrs LTF) - Currently Not issuing
SC: platinum Rewards
HSBC: Visa platinum
IDFC: wealth/select/classic/Millennia
AU: LIT/Altura/Altura+/+(swipe-Up cards)
BOB: additional virtual cards are LTF
Yes bank: Maxima/Rupay cc - u must have their core cc first to apply for this
Indusind: Eazydiner plat/Aura Edge/Rupay platinum/Legend
RBL: Duet
IDBI/PNB/UBI/CANARA/BOI/INDIAN BANK: There r some cards issued by these Banks but I Don't know the names of the cards

There are some conditional LTF offers Too
AU ixigo cc
HDFC Swiggy cc
Axis Myzone/Neo rupay - for a limited time
ICICI cards - most people r getting LTF upgrade offers if u have Apay cc or ICICI Core cc/ Alumni offer for specific colleges
HDFC C2C LTF cards for corporate salaried emp
BOB - They occasionally provide LTF offers on their EASY/SELECT/PREMIER Cards
PNB - use their cards at least once in a quarter then the card will be not chargeable
Indusind Pinnacle - only for NTB customers (Spend 50k in first 3 mons and avoid 5k JF )

U can get some other cards as LTF if u get pre approved or u can negotiate with the retention team of that particular card issuer.

Guys.... Correct the above data if u find any mistakes 🙂

HDFC Swiggy -- how are you getting it LTF ?

 

[Fini7777]

HDFC Swiggy -- how are you getting it LTF ?

only on invite basis

 

[vine]

HDFC Swiggy -- how are you getting it LTF ?

IFYKYK
pls search on forum threads

 

[dhruvks]

HDFC Swiggy -- how are you getting it LTF ?

Keep using Swiggy frequently , soon you will get LTF offer in app.