Lifetime Free Credit Card with No Joining / Annual Fee

Looking to apply for a Lifetime Free Credit Card? While no Credit Card is truly free for life, certain Credit Cards waive annual charges under specific offers or when you spend above a set threshold in the preceding year. ICICI Bank provides Credit Cards with benefits that allow you to enjoy a ‘lifetime free’ experience under such conditions.

In this blog, we’ll explore the advantages of these Credit Cards, the options available and how to apply for them with ICICI Bank.

What are ‘Lifetime Free’ Credit Cards?

ICICI Bank offers certain Credit Cards with no annual fee and no joining fee. No annual and joining fees are conditional privileges extended to Cardholders when a customer exceeds a certain amount of expenses made using the Card, within a prescribed period.

You can thus enjoy reward points on spends, get special benefits and manage your finances effortlessly, all without the concern of hidden costs and the burden of fees. You can focus on making the best use of the Card's benefits rather than keeping track of fee payments.

Top Free Credit Cards from ICICI Bank

1. ICICI Bank Platinum Chip Credit Card

This Credit Card lets you earn 2 reward points for every ₹ 100 spent, which can be redeemed for a variety of products. Additionally, the Card provides security through chip technology, ensuring safe transactions.

Advantages

Get reward points on your purchases. Enjoy the added security of a Chip Card. This Card is a great choice for those looking to earn reward points while spending.

2. Amazon Pay ICICI Bank Credit Card

Designed for shopping enthusiasts, the Amazon Pay ICICI Bank Credit Card offers cashback on every purchase, that can be redeemed on Amazon and with 100+ partner merchants. Now, save while you shop.

Advantages

Earn cashback on every transaction and use it to shop on Amazon as well as with partner merchants. A great choice for shoppers aiming to maximise their savings.

3. ICICI Bank Sapphiro Credit Card

This Card is best for enjoying complimentary airport lounge access, concierge services and movie ticket offers via BookMyShow.

Advantages

Best suited for premium users who value luxury and entertainment. A great choice for those seeking high-end privileges with benefits of reward points.

The annual fee of ₹ 3,500 (from the second year onwards) is waived if the yearly spending on the Card is above ₹ 6,00,000.

4.ICICI Bank Rubyx Credit Card

The ICICI Bank Rubyx Credit Card is a premium Credit Card that lets you earn 2 reward points for every ₹ 100 spent on domestic purchases and 4 reward points for every ₹ 100 spent on international transactions.

Advantages

Enjoy complimentary lounge access and dining discounts. Perfect for individuals looking to combine reward points with premium privileges.

The ICICI Bank Rubyx Credit Card comes with an annual fee of ₹ 2,000 (second year onwards). However, this fee is waived if your yearly spending on the Card exceeds ₹ 3,00,000, allowing you to enjoy its premium benefits without additional charges.

5. ICICI Bank Coral Credit Card

With this Credit Card, you can earn 2 reward points for every ₹ 100 spent on domestic transactions and 4 reward points for every ₹ 100 spent on international transactions. Enjoy up to 15% savings on dining out and complimentary access to railway lounges across India.

Advantages

Ideal for frequent travellers and people who dine out regularly. Get reward points on your spends and save on dining. Perfect for individuals looking to maximise their travel, dining and reward point benefits.

The annual fee of ₹ 500 (from the second year onwards) is waived if your yearly spends on the Card are more than ₹ 1,50,000.

Eligibility Requirements of Lifetime Free Credit Cards from ICICI Bank

Here is a guide to help you check if you are eligible to apply online for a Lifetime Free Credit Card from ICICI Bank:

•  Age: You need to be at least 21 years old to apply for an ICICI Bank Lifetime Free Credit Card
• Income Criteria: ICICI Bank mandates a minimum annual income of ₹ 2.5 lakh for Credit Card applicants. However, eligibility criteria may differ based on the chosen Card and your financial status. Ensure that you meet the income criteria before submitting your application.
• Citizenship: Indian citizens, residents and non-residents are eligible to apply for Lifetime Free Credit Cards from ICICI Bank.

Documents Required

If you are applying for a Lifetime Free Credit Card against a Fixed Deposit (FD), you need no documentation. However, ensure that the FD amount is ₹ 50,000 or above.

Here are the common documents you will need to apply for these Credit Cards without an FD:

Key Features and Benefits of Lifetime Free Credit Cards

Opting for a Lifetime Free Credit Card can help you save through benefits like reward points. And of course, you do not have to pay an annual fee either if your annual spends on the Card cross the threshold value for waiving the annual fee.

Accessibility

By eliminating joining fees, these Cards become an accessible choice for a broad set of individuals. This inclusivity allows more individuals to reap the benefits of owning a Credit Card without incurring charges.

Versatility

The zero-joining fee feature gives you the freedom to use the Card whenever needed, whether it’s for shopping, emergencies or to improve your credit history.

Conclusion

It is a smart choice to select a Lifetime Free Credit Card from ICICI Bank that comes with no annual fee and no joining fee. These Cards are free for life and offer reward points and exclusive benefits without any recurring charges.

Whether you require a Credit Card for daily expenses, travel bookings or special discounts, ICICI Bank’s Lifetime Free Credit Cards present a cost-effective solution to meet your financial requirements. Apply today!