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IDFC FIRST Credit Card
Issuer: IDFC Bank
Key Benefits: 300+ Merchant offers & dining discounts all year long
Pros: Upto 10X Reward Points on your spending.
Cons: Minimum Cibil Score Required
Min. Salary (Approx.): 25,000/month
Approval Rate: Highest
RBL Bank Shoprite Credit Card
Issuer: RBL Bank
Key Benefits: Earn 20 reward points for every Rs 100 spent on Grocery shopping.
Pros: Excellent for Amazon shoppers, no upper limit on cashback.
Cons: You must have any Credit Card Before.
Min. Salary (Approx.): 15,000/month
Approval Rate: Moderate to High
AU LIT Credit Card
Issuer: AU Small Finance Bank
Key Benefits: Customizable credit card based on your lifestyle and usage.
Pros: High reward rate, comprehensive benefits.
Cons: Rewards can be complex to understand.
Min. Salary (Approx.): 25,000/month
Approval Rate: High
HSBC Platinum Credit Card
Issuer: HSBC Bank
Key Benefits: Instant discount of upto Rs 500 on Amazon across all categories.
Pros: Great for Premium bookings & Travelling
Cons: Benefits tied to specific partners.
Min. Salary (Approx.): 55,000/month
Approval Rate: Moderate
IDFC FIRST WOW Credit Card
Issuer: IDFC First Bank
Key Benefits: 7.5% Interest on your Fixed Deposit.
Pros:Reward Points that NEVER expire.
Cons: Nothing.
Min. Salary (Approx.): Not Required
Approval Rate: Highest
Federal Bank Scapia Credit Card
Issuer: Federal Bank
Key Benefits: Enjoy international transactions without any additional foreign currency markup fees.
Pros: Good For International Transactions.
Cons: Nothing.
Min. Salary (Approx.): 30,000/month
Approval Rate: High
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Axis Flipkart Credit Card
Issuer: Axis Bank
Key Benefits: 7.5% Cashback & 5% Cashback on all transactions on Myntra & Flipkart
Pros: Top Cashback Offers
Cons: Cibil Score 730+
Min. Salary (Approx.): 25,000/month
Approval Rate: Moderate
Axis LIC Signature Credit Card
Issuer: Axis Bank
Key Benefits: Lifetime FREE (No Joining/Annual fees)
Pros: 8 complimentary airport lounge access in a year
Cons: New to Credit not allowed.
Min. Salary (Approx.): 45000/Month.
Approval Rate: Moderate
**Disclaimer:** Minimum salary and approval rates are approximate and depend on various factors including your credit score, existing banking relationships, and the bank's internal policies. Always check the official bank website for the most current and accurate terms.
Deep Dive: Featured Lifetime FREE Cards
IDFC FIRST Credit Card
The IDFC FIRST Credit Card is an exceptional lifetime-free card designed to offer maximum value without any joining or annual fees. It is ideal for salaried and self-employed individuals earning above 25,000 per month and with a good credit score (750+). One of the most attractive benefits is that reward points never expire, which means users can save and redeem them at their convenience without any pressure. The card also allows interest-free ATM withdrawals for up to 48 days, a rare and user-friendly feature that adds to its utility. With wide acceptance and exclusive discounts on leading platforms like Flipkart, Myntra, Ajio, Tata CliQ, and Zomato, it's a smart choice for everyday savings and lifestyle benefits
Users can also enjoy a host of value-added benefits such as up to 10X reward points on spending, a 500 gift voucher on spending 15,000 in the first 90 days, and 25% discount on movie tickets via the Paytm app.
Why Choose This Card?
- Lifetime Free – No Joining or Annual Fee
- Reward Points Never Expire.
- Up to 10X Rewards, Lounge Access & Big Brand Discounts.
RBL Bank Shoprite Credit Card
The RBL Bank Shoprite Credit Card is a smart, zero joining fee credit card tailored for individuals who want to save on everyday essentials—especially groceries. It's perfect for salaried or self-employed individuals with a minimum monthly income of 15,000 and a credit score of 720 or above. The card offers 20 reward points for every 100 spent on grocery purchases
1 reward point per 100 on other purchases and 10% discount on BookMyShow movie tickets (up to 100) up to 15 times a year
Why Choose This Card?
- Earn 20 Reward Points on Grocery Shopping
- 10% Discount on BookMyShow (Up to 15 times/year)
- Fuel Surcharge Waiver up to 100/month
IDFC FIRST WOW Credit Card
This Card is a lifetime free credit card designed for individuals with no prior credit history or income proof—making it the perfect first credit card for beginners. It comes with guaranteed approval when backed by a fixed deposit, allowing you to set your own credit limit. A standout feature is that reward points never expire, giving users the freedom to redeem them anytime. Cardholders can also withdraw cash from ATMs with zero interest for up to 48 days, and earn an impressive 7.5% interest on their FD, adding more value to their savings.
Including 50% off on BookMyShow movie tickets, up to 20% discounts on 1500+ restaurants, and zero forex markup fees for international travelers. With attractive deals from Flipkart, Myntra, AJIO, Zomato, and travel portals like Yatra, MMT, GoIbibo, it caters to both lifestyle and travel enthusiasts. It also includes a 1% fuel surcharge waiver and a personal accident cover of 2 lakhs
Why Choose This Card?
- Lifetime Free – No Credit History Needed.
- Reward Points Never Expire + FD-Based Limit.
- 50% Off on Movies, 0% Forex Fees & Restaurant Discounts.
Why Choose a Lifetime FREE Credit Card?
Zero Annual Fees, Forever
The most obvious benefit! Keep more of your hard-earned money in your pocket, year after year.
Build Your Credit Score
Responsible usage helps establish and improve your credit history, crucial for future loans.
Rewards & Cashback
Earn points, cashback, and discounts on your everyday spending with no cost to maintain the card.
Safety & Convenience
Safer than carrying cash, offers purchase protection, and is perfect for online transactions.
Access to Premium Offers
Enjoy dining discounts, movie ticket offers, airport lounge access, and more, depending on the card.
Financial Flexibility
Access to credit for emergencies or large purchases, often with an interest-free period.
Frequently Asked Questions
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