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?

 

[Hemang]

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 🙂

bhai au ixigo ki kya conditions hai for LTF ?

 

[Fini7777]

bhai au ixigo ki kya conditions hai for LTF ?

as of now, it is unconditionally LTF but they may change it anytime

 

[ujjwal2024]

I recommend these lifetime free cards--
Federal: CELESTA
IDFC: wealth
AU: LIT
Indusind: Eazydiner
HDFC Swiggy
AU Ixigo

Can you have bith AU LIT and AU Ixigo ?
as tried to apply AU Rupay and I was not able to do it

 

[Fini7777]

Can you have bith AU LIT and AU Ixigo ?
as tried to apply AU Rupay and I was not able to do it

Not possible
Au sfb does not issue 2 cards

 

[ujjwal2024]

Not possible
Au sfb does not issue 2 cards

This is really disheartening as AU have so many good cards....allowing one is like doing injustice to us

 

[cardy]

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 🙂

Very informative post

 

[Anindya98]

This is really disheartening as AU have so many good cards....allowing one is like doing injustice to us

I think One Card is good(in the case of SFB) but they should let the customer upgrade when they have launched a new card that has better returns and they should bring 1 Core + 1 Co-branded card policy

 

[CreditCardFino]

This is really disheartening as AU have so many good cards....allowing one is like doing injustice to us

What's so good about AU cards? that you can't find in other cards.

 

[ujjwal2024]

What's so good about AU cards? that you can't find in other cards.

I find for small user at LTF, the return is really good and till now I have not faced any technical glitch or any other issue...
I am personally satisfied..I opened their zero balance SB at 11.30 PM at night and within 2 days, the welcome kit is in my hand...

 

[CreditCardFino]

I find for small user at LTF, the return is really good and till now I have not faced any technical glitch or any other issue...
I am personally satisfied..I opened their zero balance SB at 11.30 PM at night and within 2 days, the welcome kit is in my hand...

Most CC will not have any glitch while making transactions. How much return you get only then we can compare and conclude its really good

 

[deepak84]

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 🙂

Good Informative post. Thanks for the same.

 

[gyan]

I have below LTF cards:
Indus| duo
Icici | coral
Icici |sapphiro
Icici | rubyx
icici | amazon
hsbc | platinum
Au | zenith
Axis | magnus
Axis | rewards
BoB | premier
hdfc | regalia
hdfc | swiggy
federal | One
Rbl | shoprite
idfc | millennia
Pnb | Platinum

Paid cards:

Sbi - BPCL
Axis - samsung
Amex - smartearn
Hdfc - neu infinite
Kotak- myntra

Mostly get spend base waiver on above cards

 

[Fini7777]

I have below LTF cards:
Indus| duo
Icici | coral
Icici |sapphiro
Icici | rubyx
icici | amazon
hsbc | platinum
Au | zenith
Axis | magnus
Axis | rewards
BoB | premier
hdfc | regalia
hdfc | swiggy
fedra| One
Hdfc | neu +
Rbl | shoprite
Fedr | celesta
idfc | millennia
Pnb. | Platinum

Paid cards:

Sbi - BPCL
Axis - samsung
Amex - smartearn
Hdfc - neu infinite
Kotak- myntra

How did u get neu + and neu infinity brother

 

[Abhi21]

How did u get neu + and neu infinity brother

Mera bhi wohi question hai.. How come neu+ and Infinity together? .
Hdfc allows one core, one floater n one co branded.. He has got 4🤔
Bhai jaddu vaddu kiye ho kya 😁
Icici me 3+1 co-branded allowed?

 

[Fini7777]

Icici me 3+1 co-branded allowed?

Yes, there's no restriction for no.of cards per customer in ICICI

 

[ujjwal2024]

Surprisingly, I have none of these in my current 13 cards. Strange, but true.

what are the 13 cards you have?
curious and interested to know..
@RAMESH BABU N

 

[CreditCardFino]

I have below LTF cards:
Indus| duo
Icici | coral
Icici |sapphiro
Icici | rubyx
icici | amazon
hsbc | platinum
Au | zenith
Axis | magnus
Axis | rewards
BoB | premier
hdfc | regalia
hdfc | swiggy
fedra| One
Hdfc | neu +
Rbl | shoprite
Fedr | celesta
idfc | millennia
Pnb. | Platinum

Paid cards:

Sbi - BPCL
Axis - samsung
Amex - smartearn
Hdfc - neu infinite
Kotak- myntra

You have Federal Celesta how did you get One card from Federal again?

 

[P3T3R_GOA]

The list has to be dynamic. LTF offers come and go. Basically we need to list cards in the following categories:
- Cards that are always LTF.
- Cards that have LFT offers off and on.
- Cards that are never offered as LTF.

 

[gyan]

How did u get neu + and neu infinity brother

Good question: second one is add-on card , took primary card in my wife's name

 

[gyan]

You have Federal Celesta how did you get One card from Federal again?

Good question: celesta is add-on card , celesta primary card is my wife's name,

I should not not mention these add-one cards it's confusing people