Is a Lifetime Free Credit Card Worth It?

As you taste the responsibilities of adulthood, credit cards come as a boon in your life. And who doesn’t want to use something financially helpful like a lifetime free credit card? If the expression “lifetime free” also sparks your interest, you should learn what it is and how it will help you. 

Understanding what is a Lifetime Free Credit Card

A lifetime credit card is like any other credit card with zero joining and annual fees. Having no additional fees makes it easier to access and maintain. However, it will serve its purpose as a credit card optimally and give you the financial flexibility. 

The idea is to gain more benefits as you spend using a credit card. Opting for a credit card without added charges or joining fees will help you manage your finances better.

Benefits of a Lifetime Free Credit Card

Even without any annual fees, this type of card can offer many features like:

• Welcome benefits
• Ability to help you build credit history
• Fuel surcharge waiver
• Rewards points
• Discounts and deals from partner merchants 

To identify the best rewards credit card in India, simply compare benefits and ensure they fit your purchasing habits. When you use such a card, you can save more. By paying its bill on time, you can improve your credit score and build a positive credit history. 

How to Choose Your Lifetime Credit Card?

When comparing cards, look for features, rewards and benefits to learn whether this card will suit your lifestyle. You can follow these steps to choose your free credit card:

• Step 1 – Research cards online 
• Step 2 – Look for credit card offers and compare them 
• Step 3 – Understand eligibility parameters 
• Step 4 – Get your documents ready
• Step 5 – Check your credit score 

Essential Things to Consider After You Get Your Lifetime Free Credit Card

Once you get your card delivered, use it smartly. Here are a few measures that will help you:

• Keep your spending habits in check
• Keep your credit utilisation ratio between 30% and 40%
• Pay the minimum due to avoid late fees 
• Pay the total dues to avoid any interest charges 
• Remember that for a cash advance, you may be charged additional fees per withdrawal

These aspects will make sure that you have a healthy journey with your lifetime free credit card. One such card you can consider is the One Credit Card. It has no annual and joining fee and comes with zero rewards redemption fee, too. 

It also allows you to earn 5X points on your top two spending categories each month. Apart from this, its powerful mobile app helps you keep your spends in check. You can easily set a budget and get reminders when you near this amount. To enjoy all these features and more, apply now!