Are you looking for a credit card with no annual fee and great benefits? Look no further! In this article, we’ll introduce you to four credit cards that are perfect for beginners and offer free benefits for life. So whether you’re new to credit cards or just looking for a good one, keep reading to find the perfect card for you.
Understanding Hidden Fees and Annual Fees
Before we get into the details of these credit cards, let’s address a big problem in the credit card industry: hidden fees. Many credit cards charge various fees, the biggest being the annual fee. Even if you don’t use your credit card, you still have to pay the annual fee each year. However, there are now apps that help you detect hidden fees and inform you of the annual fees associated with your credit card. So, if you are considering getting a credit card, it is essential to be aware of these fees.
Benefits of having a credit card
Now let’s look at why people opt for credit cards in the first place. The main reason is the additional credit limit they offer. In an emergency, having a credit card with a high limit can be a lifesaver. Additionally, credit cards offer rewards and benefits that are not available with debit cards, UPI or Net Banking. So, if you learn how to use a credit card wisely, you will be able to enjoy these rewards and benefits.
Best Free Credit Cards for Life
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Existing bank credit card: This credit card has several features and benefits. It offers 4 great rewards for every ₹200 spent, F&B deals, and discounts on popular platforms like Swiggy. It also provides a fuel waiver surcharge when you pay for fuel with the card. Additionally, it offers a simple EMI option and free airport lounge access.
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IndusInd Bank Legend Credit Card: This credit card is not only free for life but also easy to get. It offers reward points for every ₹100 spent and bonus rewards if you reach a specific spending limit. Additionally, it offers welcome benefits, gift certificates and discount vouchers from several brands. It also offers cinema benefits, including purchasing a free ticket.
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IDFC First Millennia Credit Card: This attractive credit card is also free for life and offers great rewards. It offers access to the Railway Lounge, 10x rewards on monthly spends above ₹20,000, and 6x and 3x rewards on birthdays. It also offers discounts on movies and roadside assistance. Additionally, it offers offers from 300 merchants and personal accident cover.
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LIT AU Small Finance Bank Card: This customizable credit card offers great rewards points and a fuel surcharge waiver. It offers milestone cash back and additional cash back on travel, dining, grocery, electronics, and clothing categories. You also get free subscriptions to Zee5, Amazon Prime and a cult pass.
Conclusion
In conclusion, if you are looking for a credit card that is both beginner-friendly and offers free benefits for life, consider one of the four credit cards mentioned above. They offer various rewards, benefits, and features, giving you a great credit card experience with no annual fees. Take advantage of these opportunities and request the card that best suits your needs. Happy credit card hunting!
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