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Suggest me a lifetime free credit card.

Apply For Lifetime Free IDFC First Credit Card
P

PRIYANSHU_

TF Premier
Current I am having following cards as lifetime free:
->HDFC Millenia(90k)
->Federal Imperio (1.66L)
->Amazon ICICI (1L)
-> ICICI Platinum (1L)
-> ICICI Coral Rupay(1L)
->IndusInd Legend(75k)
->Kotak Zen(88K)
->Yes Bank Fin booster (60K)

I would like to add some more LTF credit cards. I am self-employed, 5Lakh ITR.

P.S Axis Bank MYZone credit card application was rejected
 
Last edited:
Apply For LTF AU LIT Credit Card
Upvote 0 Downvote
Tejo said:
How many(amount) emi's are you paying, else rotating
Click to expand...
EMI s - never , ever ..never would..
Only exception could be using HDF* DC for some big item (mostly an electronic item).
This is only to trigger better HDF* card..
This woul be one of my last resort kind of thing ..not planning for this yet.

Rotation Not in my dictionary, never will happen.
 
RAMESH BABU N said:
Already 7+L monthly limits on your existing LTF cards on an annual income of 5L.
Why add more ?
Because someone is giving it free, does not mean you need it. Think again. Avoid getting into debt traps - like all Americans.
Click to expand...
I am not using it just for my personal need but for my family also.
Every single expenditure if only absolutely necessary then only money is spent.
And to maximize the profit and also to collect them i.e. I am adding more CC's.
 
RAMESH BABU N said:
Already 7+L monthly limits on your existing LTF cards on an annual income of 5L.
Why add more ?
Because someone is giving it free, does not mean you need it. Think again. Avoid getting into debt traps - like all Americans.
Click to expand...
Dada, you are still 90's

Americans ... for rich & show off life style

Indians ... uses cc to maximize rewards && leave few people who goes on foreign lifestyle.

In india still exists, people who collects and pays interest of 100% per annum.

Credit cards can help in emergencies too.
 
IDFC millenia or AU LIT could be useful. AU LIT is excellent and you can compound features and benefits. Easy to get overall 8-10% return.
 
PRIYANSHU_ said:
I am not using it just for my personal need but for my family also.
Every single expenditure if only absolutely necessary then only money is spent.
And to maximize the profit and also to collect them i.e. I am adding more CC's.
Click to expand...
Glad to know that. For such financially frugal n disciplined, CCs are great buddies. Glad to know about your way of using CCs.

Since 1999, I NEVER EVER paid any late payment charges, or NEVER BOUGHT ANYTHING ON EMIs.
 
RAMESH BABU N said:
Glad to know that. For such financially frugal n disciplined, CCs are great buddies. Glad to know about your way of using CCs.

Since 1999, I NEVER EVER paid any late payment charges, or NEVER BOUGHT ANYTHING ON EMIs.
Click to expand...
So you have bought on emi with credit card before 1999.

What's your first emi purchase ?
 
Tejo said:
So you have bought on emi with credit card before 1999.

What's your first emi purchase ?
Click to expand...
Buddy, you understood like that?

Since 1999, I have been using CCs regularly n have data of ALL Trxns I did since then.

Since beginning, I NEVER bought ANYTHING on EMIs using CCs.

Now, clear ?
 
RAMESH BABU N said:
Buddy, you understood like that?

Since 1999, I have been using CCs regularly n have data of ALL Trxns I did since then.

Since beginning, I NEVER bought ANYTHING on EMIs using CCs.

Now, clear ?
Click to expand...
What's highest variant card ? Whats your highest limit as of now ?
 
PRIYANSHU_ said:
Current I am having following cards as lifetime free:
->HDFC Millenia(90k)
->Federal Imperio (1.66L)
->Amazon ICICI (50k)
->IndusInd Platinum(75k)
->Kotak Zen(3L)
->Yes Bank Fin booster (60K)

I would like to add some more LTF credit cards. I am self-employed, 5Lakh ITR.

P.S Axis Bank MYZone credit card application was rejected
Click to expand...
You can apply for PNB Rupay Select. It has 500 joining fees and can be easily converted to LTF for coming years.

This card gives Rupay Select wellness benefits (Cult elite membership worth 7k was most useful to me). Also I’ve been seeing lot of offers on PNB lately on many websites like Amazon, Flipkart, Easemytrip etc.

Also, since it’s Rupay card you can link it to your UPI as well.

Some other LTF cards I’d suggest are AU LIT, ICICI Platinum (even if you have APay), Kotak League Platinum and OneCard. All of them have great offers on major e-commerce websites.
 
Tejo said:
What's highest variant card ? Whats your highest limit as of now ?
Click to expand...
ICICI Apay (LTF)
(online n Amazon purchases)
Kotak Zen Signature (LTF)
(Intl launge n high value Trxns)
Axis Airtel
(all bill payments n for Airtel)
Axis KWIK RuPay (LTF)
(disappointed with Kiwi App)
SBI Cashback
(high value online/counter buys)
PNB Platinum RuPay (99.99% LTF)
(all RuPay, low value Trxns)
1Card (LTF)
(for fuel, Swiggy n Zomato)
 
Tejo said:
TF is completely censorshiped

Might the thread was deleted else it was privatized.
Click to expand...
The thread is still there.
I think it was shifted to a different section maybe.. or some issue with the link. Or the author re created it.

www.technofino.in

Lifetime Free Credit Card for Financial Year 2023-24.

This thread will have details of all lifetime free credit cards available till 31st March 2024. This will help those who are looking for a new start in the world of credit cards. Please post all available lifetime free credit cards here so that everyone gets benefitted from it. Note - Do not...
www.technofino.in www.technofino.in

Here's the correct link.
Although the thread doesn't provide much value yet.
 
Tejo said:
TF is completely censorshiped

Might the thread was deleted else it was privatized.
Click to expand...
They have deleted previous thread even after deleting all the links and names of platforms from where others can get extra cashback on Credit card application. They only want to promote their own referral links. Their founders are openly promoting referral links on YouTube, Twitter etc and here they don't want people to know about lifetime free credit cards.
Very unfortunate
 
knight said:
The thread is still there.
I think it was shifted to a different section maybe.. or some issue with the link. Or the author re created it.

www.technofino.in

Lifetime Free Credit Card for Financial Year 2023-24.

This thread will have details of all lifetime free credit cards available till 31st March 2024. This will help those who are looking for a new start in the world of credit cards. Please post all available lifetime free credit cards here so that everyone gets benefitted from it. Note - Do not...
www.technofino.in www.technofino.in

Here's the correct link.
Although the thread doesn't provide much value yet.
Click to expand...
Nope it's different.
 
hellobois said:
They have deleted previous thread even after deleting all the links and names of platforms from where others can get extra cashback on Credit card application. They only want to promote their own referral links. Their founders are openly promoting referral links on YouTube, Twitter etc and here they don't want people to know about lifetime free credit cards.
Very unfortunate
Click to expand...
lol. hypocrisy at its best.
 
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