Understanding Lifetime Free Credit Cards: What They Are and How to Apply

The name lifetime free credit card itself invokes a sense of excitement, right? Well, getting such a card relieves you from paying hefty annual and joining fees. While enjoying rewards and other features of your card, avoiding these charges can help you save money. 

Lifetime Free Credit Cards – Main Features

These cards allow you to maximise your spending power without the burden of additional costs. You can take advantage of several features offered by a lifetime-free credit card to manage your finances more effectively:

Zero Joining Fees and Annual Charges

A lifetime free credit card doesn’t come with one-time or renewal fees, making it a cost-effective option for managing your finances.

Upgraded Safety

Such cards often come with advanced security features to protect you against fraud and any unauthorised transactions. From chip-based technology to real-time alerts, these cards have your back!

Additional Perks

Every credit card caters to a specific target audience. Most of the time, it is a combination of different rewards, which include:

• Reward points on your spending

• Cashback on eligible purchases

• Deals and discounts on shopping, dining and entertainment

• Fuel surcharge wavier

• Air miles and lounge access

Choosing a credit card with the right mix of such deals can really help you capitalise on your expenses. To make an informed decision, note down your spending habits and match a card that has offers from retailers and merchants that you frequently shop from.

Application Process – Key Requirements

The eligibility criteria for lifetime-free credit cards are listed in this table:

How to Apply

Getting a lifetime free credit card is as simple as any other credit card. For a seamless process, follow the steps given here:

• Step 1: Compare different credit cards to find one that best suits your spending habits

• Step 2:  Check the eligibility criteria and keep your documents ready to initiate the process

• Step 3:  Follow an offline or an online method to submit your application

For Online Method:

• Visit the credit card issuer’s website and fill out the form

• Upload your documents and complete the online verification process

• On approval, you will receive your credit card at the provided address

For Offline Method:

• Visit the nearby branch of your credit card issuing bank

• Ask for the credit card application form and fill it out

• Submit your documents and review the form before submitting it

In your quest to find the ideal lifetime free card, consider the One Credit Card. It offers a great rewards program with lucrative seasonal deals and discounts. For instance, you can get a flat 2% valueback while making purchases on Dmart, Zepto and others.  

On top of that, you can enjoy 5X reward points on your top two spending categories each month. Its robust app also helps you spend confidently thanks to easy tracking and spending notifications. Apply online now to enjoy the benefits of this stylish metal credit card!

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