Top 4 Free Credit Cards | Best Lifetime Free Credit Cards in 2022

Top 4 Free Credit Cards | Best Lifetime Free Credit Cards in 2022
Looking for the Best Lifetime Free Credit Cards in India for 2021-22 to suit your needs? You’re at the right place. In this video we talk about the Top 4 Free Credit Cards after analysing 250+ cards for you.
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[@satyabratadhal]

Yeh kya Bata diya sbi 499+gst 90 amazon voucher 500. Kahan zero hua 89 to laga na. Title likhe ho lifetime free, to Yeh sbi kahan se free Hai.

[@ankitpatel0698]

Aap akhand hutiye ho satyavrata ji 🙏

[@AnkitSharma-xd3mb]

Aapke ghar agar gas ka cyllender aata hoga 999.96 aap zaroor 4 paise mangte honge.

[@satyabratadhal]

@@AnkitSharma-xd3mb nahin 1010 deta hoon. Jo leke aata hai usko kuch paisa deta hoon. Iss video Mein sbi ko agar include kiya hai...to market Mein yese bahut saare credit cards hai waive off of annual fees. Gst component is seen as minimal for 500 but for cards of 2k or 10k annual fees, it can be a large amount. When you are saying top 4 free credit card, the lady should not consider sbi.

[@satyabratadhal]

@@ankitpatel0698 Akhand nahin Maha hutiya hoon. Jo bewakoof banayega usko to main nahin chodunga.

[@satyabratadhal]

@@AnkitSharma-xd3mb rounding off is not same as gst. Kya aap cylinder ka 999.96 ko 1100 karke dete ho?

[@dasher2409]

I have been using various credit card since 2015 and I currently have 8 active credit cards of different banks. Now I have got both amazon icici card and hdfc millenia card approved just 2 months back. The amazon card is so good and rewarding that I am using this card as primary.

[@lxst7602]

Is there any benefit or disadvantage of having multiple credit card. Asking cause i have no idea if i should consider getting a credit card.

[@awwush]

same ques

[@s_k_47]

Just for info - SBI card have dropped giving reward points during sale period from 1st dec i.e if there is currently sale going on amazon for sbi card so we wont get rewards for amazon transactions during sale period

[@vishal.choudhury]

SBI is good for EMI transactions only.

[@saurabhjuneja4540]

1. HDFC infinia 2. Amazon pay ICICI 3. One card 4. Flipkart Axis 5. Yes first exclusive 6. ICICI platinum 7. Zomato classic edition All are LTF and I'm enjoying using all of them

[@amanjhun123]

How u got infinia?? And how can infinia be ltf??

[@sajalbasak6640]

@saurabh Da , Reply kijiye.

[@sajalbasak6640]

@@amanjhun123 abhi tak reply nehi aya Dada se through other medium ???

[@amanjhun123]

@@sajalbasak6640 no reply

[@sajalbasak6640]

@@amanjhun123 😓

[@hardikharsh3619]

Best channel for overall financial knowledge.. Simple and accurate

[@healyou4243]

Asli Maja tou toll plaza wala bekifayati tha😄😄

[@anilkumarsharma6343]

You give very helpful and practical knowledge and you are also very cute..👌

[@surekhamhede]

You missed Axis Ace, it gives 2 percent cash back everywhere.

[@jjstechworld6426]

But that's not LTF....

[@JP_Kumar]

Waise sbi & hdfc wale bhi nhi h

[@nilsong1902]

@@jjstechworld6426 To SBI aur HDFC konsa LTF hai 😂😂😂

[@jjstechworld6426]

@@nilsong1902 Hdfc hote hai na LTF for select users...SBI me free jaisa kuch v ni h..

[@udaygupta6934]

good research work truly yaar

[@manojkumarbhagavatula]

Great content mam, I think on basis of this 1st card is good by the way pl. improve your video quality though

[@MeKaustubh17]

Thanks dear for info I love your voice

[@HarishKumar-en6eb]

IDFC is best but I think it is delivered in metro cities. It is even not available in AGRA AND KANPUR where IDFC has it's own branches. So it is very hard to obtain it in these areas.

[@prateeknarayan7881]

Having all cards excluding idfc i can say you r right.. Best & amazing cards.

[@rohanyadav6803]

Same here broooo... I have sbi n icici ...

[@nishadsubair7749]

Thank you well explained 😊

[@rishabhchauhan6219]

Good, Keep it up.

[@N1SHIKSHA1013]

I love you ❤️ be kifayati girl..Beena mekeover ke itni sundar kaise😍

[@uk04sunny97]

apka video dekha turant apply kiya amazon pay icici credit card turant 50000 limit k sath card aprove ho gaya

[@whatsupvideos7673]

Nice video...keep itup. Informative as well not boring.

[@yashtrivedi1272]

Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points

[@arnabbaishya7313]

I subscribed your channel to see your face😄 damn cute

[@PrawinTV]

great info and your videos are very interactive all the best and thank you for sharing valuable information

[@Cyamvlogs]

जब credit कार्ड ,lifetime free है तो बाद में उसका annual चार्ज क्यों लेंगे ?? 500 -1000₹ ??? ये तो गलत बात है ना

[@jeetpradhan7070]

I think you should include Axis Bank Ace credit card also. It has really good features and cashback offers.

[@satenderkumar1194]

Wo bnd kr diya bhai bank ne ..ab nhi mil rha. Maine pucha tha bank walo se yhi reply Mila

[@nilsong1902]

Axis has very bad policy 90% percentage rejection rehta hai

[@nirmitgandhi3208]

@@satenderkumar1194 yes they have replaced this card with Airtel axis card

[@praveengampa]

@@satenderkumar1194 Now they started again i applied and got yesterday only

[@verticillaster]

@@praveengampa what's the full procedure

[@abhisheknarayansingh6245]

Fantastic information 👍🏻👍🏻

[@atulpandey6500]

Don't understand why you missed on some obvious greats like hdfc regalia, yes first exclusive, idfc wealth, amex membership card and selected a paid SBI card 🤣 For most cards annual fee is waived off if you spend upto a certain extent but that doesn't make them life time free credit card. Lifetime free cards remain free no matter how rarely you use.

[@PrinceKumar-ji6xp]

Exactly

[@souvikban83]

Where is the flipkart Axis bank card? 5% cashback on flipkart and 1.5% on any other online purchase, also cashback directly credited in the bill.

[@olifern]

I think citi indianoil and the amex cards have been really rewarding along with the ones you spoke about. For me both these, are almost free. Amex most of the time waves off my annual fees. Citi ioil is lifetime free anyways. For rewards on the citi I get free fuel, so I just need to fill fuel with the citi ioil card at a ioil petrol pump, I get a sms to convert that purchase into a reward points purchase i.e free fuel

[@dhamult0076]

btw how much joining and annual fees?

[@dhamult0076]

quit intresting

[@olifern]

@@dhamult0076 they made Citi ioil lifetime free for me

[@verticillaster]

@@olifern how .. u talk to citi branch manager??

[@Kidvideos1997]

@@olifern how ?

[@ajayvarma6400]

Very unique content. Thank you and God bless

[@AJITHNKALE-cg5qk]

Amazing video. Keep up the good work💯🙌

[@stevenspellberg]

Please make video on how to plan finances better for new professional

[@sachinallexplorevedio1289]

Your voice is excellent🥰🥰

[@kallolmondal5768]

Dear sister, please make one video on HDFC Bank fraud policy. How HDFC Bank manipulating customer CIBIL Score intentionally...

[@kallolmondal5768]

Unlike others bank HDFC Bank not sending customer's full Credit card limit to Credit bureaus or CIBIL. But it is one of the top most important thing to make proper Credit score. Because it helps to calculate Credit utilization rate which has highest impact in Credit score. As CIBIL not getting Credit limit they are calculating Till now highest credit utilization as Credit limit. So customer credit utilization will be always very much higher than actual. Sometimes may be 100% also. I have emailed them but they are not agree to send it. Normally answering: "our bank don't send it". BUT THIS IS ILLEGAL. I am showing you how it is happening and what is the Negative Side For customers and Others Bank.

[@kallolmondal5768]

FOR EXAMPLE: One Customer Credit card has Rs.1,00,000 limit His present Due amount: Rs.7,500. Till now his highest utilisation amount is: Rs.10,000. Now what will the RESULT: 1st: In others bank (SBI, ICICI,Axis Bank etc) His credit utilization rate: 7.5 % which is not only good it is excellent to build excellent Credit score. 2nd: In HDFC Bank case His credit utilization rate: 75% which is not only bad it will ruined his Credit score. As below 30% utilization is always recommend to build good Credit score. Where his original utilization rate is 7.5% only but here HDFC bank very cleverly making it 10× higher. And he is becoming a customer who is Over dependent on Credit. But actually he is not this.

[@kallolmondal5768]

Now telling you How and Why they are doing this: Because if they don't send full credit limit to Credit bureau by default bureau calculate till now your highest credit utilization amount as Card limit. So his utilization rate will be always greater than the actual. Which is INJUSTICE. Because it will decrease his credit score even after making 100% on time payment. As per credit bureau he will be treated as Over dependent on credit for your fake high utilization rate. So other banks will not be able to take right decision to give you loan because of your poor credit score although you are a very good customer. But at the same time HDFC only knows your full customer details. So this bank will say I can give you loan no problem. But as your Credit score is low so you have to pay higher interest rate. This is very illegal policy.

[@Vinay8484Studio]

4 mein se 3 hai... 🎉 Superb cards..

[@satishpatro]

Really. Nice topics

[@drudaybhushansharma5811]

Have been using sbi simply click cred card. No benefits only hidden costs.

[@03ashubham1]

Great content, also try to mention reward points redemption value for each bank.

[@myexperiencesmyreviews.6260]

So nice explained

[@ronaklimbachiya8338]

Ye to achha h but sabse acha or in 4 me se best konsa credit card best?

[@vincentjr8013]

Hi , applied for amezon pay card but got rejected because of address location i think, can i get a credit card if i live in bikaner rajasthan? Or is there any way to change adress or if i am staying in a rented house in delhi can i use that address for application , but how i will show a address prof for that ?

[@murtjaali9181]

You don't need to verify address. In vedio kyc they will verify adhar no and pan card. No physical verification. They will verify your current location, that should be match with either your working address or adhar address.

[@murtjaali9181]

You don't need to verify address. In vedio kyc they will verify adhar no and pan card. No physical verification. They will verify your current location, that should be match with either your working address or adhar address.

[@saikumarg5229]

Video is good , but can be more detailed like hdfc millennia card has limit of monthly 1000 cash back like this important stuff

[@chinmaygrover6015]

Really informative video ...!

[@headhunterforcesrr1432]

Loveable 😊

[@StarStrangelet]

best card is amazon pay icici credit card your rewards directly come to your amazon account every month. in sbi cards you can only redeem rewards if reward points exceed 2000 pts

[@rohanyadav6803]

Sbi simply click has joining fees + annual fees (500+500) ... U can get it back 500 when I join ... 500 when u spend 1lakh in a year ...

[@alfaizilahi7592]

Maam what is the procedure to apply all these cards? i knw at a time we need 1 card but I'm just wnna knw all the cards process of applying.!! So that i choose 1 in all of them.

[@manishcreation3307]

Mam esa card batao jo bina ITR aur bina Salary slip k mil sake esa card hai kya?

[@dipanshukhandelwal2286]

Can you share the sheet in which you collected the details of all the credit cards?

[@sumitgaur09]

I have all these cards. Sbi simply save is the one which I kept from last 9 years.

[@verticillaster]

Save is fir groceries n clik is for electronics purchase

[@For._.Everything]

Got HDFC _--_*_MILLENIA_*_--_ credit 🤩 💳 card with 75k total limit

[@hullagtpp]

No offence.. Your content is very good... but can you please upgrade your camera ? like even iphone 11's video camera will be better than what you are using for sure. Also you have like 500k+ subscribers so hopefully you will be having some money to invest on better camera. Iphone's 11 camera is good option on budget i guess.

[@anupagarwal6452]

Just to ask agar free card banwaliya or use may nai aa raha ho toh kya humne kuch extra charge pay karna padega ya card block ho jayega

[@sandippal2733]

Axis flipkart card best h, bcoz sale time it gives 10%+5% cashback

[@RupinderDhamija]

1:50 joining fee with have 18% gst. Amazon voucher will be 500 only

[@danish0420]

Unlike other credit card it's reward points are not expired... There is approximately no credit card whose reward points gets expired

[@NarendraMnr]

I'm surprised 3 of my cards in the list ;) Except the IDFC. Applying now!

[@Ajay_Patel__]

Amazon card Flipcart pe use kar skte kya..?

[@steadlex428]

ha

[@sklelectronics6239]

Very nice and lots of knowledge . love from Patna Bihar ❤️

[@gautamsehgal8261]

Is it necessary to have a bank account in these banks to get a credit card or can we get a credit card without opening the bank accounts?

[@aravind43]

I too have the same doubt

[@NickBortisaaggy18]

How does a company make money by giving no-cost emis, zero joining and annual fees?

[@narutozmk172]

Wanted to know, if we take a lifetime free credit card, how can company start charging us annual fees after that? Will that be only for new applicants? or all?

[@bekifaayati]

If they start charging annual fees, that'll be for all the card holders

[@narutozmk172]

@@bekifaayati then that would be unfair and a lie. Right? Lure people in with lifetime free claim and then change it

[@bekifaayati]

@@narutozmk172 you always have the option of closing that card in case something like this happens 🙏

[@satyabratadhal]

Companies will charge for new applicants. When offer is for the time period you applied, it will be as per the offer. They have to overlook their business. Otherwise ppl will lose trust on the company. Icici coral and platinum are lifetime free for some and for some ppl they are chargeable.

[@vincentjr8013]

@@narutozmk172 they can do it because , i think somewhere in terms and condition they may have mentioned that they can change rules any time if they want 😂

[@jajodiakeshav]

Is it weird that I was turned on by how well the spreadsheet has been designed when you showed it at 00:11 ?

[@vilaspawar8943]

Good information. My choice. SBI

[@sudheshsankarkk]

Thanks for sharing 🙏

[@my.orange]

👉 *Agar millennia credit card aap category mein rakh sakte hai tho Axis Bank ka FLIPKART and ACE credit card kyon nahin Rakha .* 👉 *AAPKA JANKARI ADHURA HAI .*

[@bekifaayati]

Millennia is atleast 2 notches better than Ace or Flipkart 🙏

[@aryanbaadshah5010]

PLEASE MAKE A VIDEO ON BUILDING CREDIT SCORE 🥺

[@cardwaalebaba]

You can check this video on my chanl

[@mr_anand_parekh]

It was good video, Can you check that upon closure are there any charges or not?

[@Rudresh1802]

500 rs voucher vs 500 + gst charges. So, no. It is not a "free card" since the gst amount has to be paid from our pocket.

[@sugandhadogra1781]

Life tak se yahan tak ❤

[@rameshsuthat157]

Very good

[@yashmishra1251]

After joining my first company, hdfc offered me millenia card with LTF and no joining fees

[@lxst7602]

Is it good?

[@healyou4243]

@Bekifayati mam. .kya ye cards ke liye har Bank mei account hona padega

[@mukulsingh3671]

Agar jiske paas koi job nhi hai wo bhi apply kar sakta hai kya?

[@suparasjain9665]

If we take hdfc credit card then after spending of minimum limit of 30000, is one time or we have spend minimum limit every time

[@BewdaSwami]

There is a capping in hdfc card flat 5% cashback but monthly limit 1000

[@nbh313]

Kya koi intrest charge ya hidden charges hote hain credit card usage main

[@the_wanderer_singh]

Amazon wale to dete he nhi 2 baar apply kr diya, cibil score bhi 720 hai, pata nhi what is wrong with these people

[@RamakrishnaNKamat]

to own this 4 cards for free we need to spend 2.5 lacs annually using these cards😂

[@lolomaja6979]

Thanks 🙏

[@rj7686]

How many credit cards do u have??

[@MrPK679]

You forgot to tell about the redemption of points into cash deposit from Hdfc milleniam card if someone does not want to use reward points for shopping .

[@aravind43]

Is it possible to redeem points directly to bank account?

[@SomnathDas-fg2qc]

Isme se agar koi v credit card mai lena chhata hu to ye jaruri h kya us bank me normal saving account ho, ya fir saving account nhi hone se v mai credit card us bank ka le sakta hu?

[@credittrickscredithacks]

great topic

[@rohit100cs]

LTF ka mtlb terms & condition nhi hoti.. it just means life time free with no spend t&c ..I have axis privileged, hdfc first regalia, etc etc which all have life time free with no condition

[@nilsong1902]

How did you get HDFC REGALIA LTF

[@rohit100cs]

@@nilsong1902 I have received a call from Hdfc bank to apply Regalia first CC LTF with no spend condition.. then i applied the same and got a card , also i have received priority pass with the card itself..

[@nilsong1902]

@@rohit100cs can u share HDFC CREDIT CARD PERSON agent contact no???

[@neeldhruvotara]

Icici amazon is same as Chase amazon cc (USA) . Hearing u it's sounds like has the same features with points /cashback

[@md_aasif_anwar]

ICICI Platinum and Flipkart Axis Bank is also free credit cards.

[@muhammad.yaqoob]

Flipkart axis card zyada kifayati hai ya amazon pay icici?

[@hardikmody9024]

Got my AmazonPay ICICI credit card delivered today. Just want to know - is there a dove 🕊️ logo on the back side of your card?

[@nilsong1902]

Yes

[@atulmits]

Free credit card do not mean you have to spent some money like 1 lakh.

[@jeevandsouza2769]

If we enter during Lifetime free ? From next year if some AMC introduced is it applicable to us?

[@ANUJSHARMA-lk2ll]

Mene Amazonpay icici card k liye do bar request Kiya per dono Barr unho ne reject ker diya . Mera credit score 760 firbhi

[@ANUJSHARMA-lk2ll]

Or ak bar reject hone k bad 6 month k badd hi apply ker sekte hai .

[@abhishekbanerjee9736]

How can I use CC to pay rent? It will have to be via some app and there will be charges for using card, app or both?

[@bekifaayati]

You can do it using CRED, RedGiraffe, etc

[@PUNEETHCM75]

Paytm is best if u pay 5000 50rs charges but others have more

[@sajalbasak6640]

@@bekifaayati Nobroker is Also good for rent payment through credit card .

[@sanatani_bhartiy]

Mera abhi credit score build nahi hua, to muze koi credit card milega kya

[@karanpratapsingh8712]

This card will only charge 9@15 interest if you are not able to pay the payment on time what was this i didn’t understand can any one explain me

[@Paranom.Cultxx]

Meri Salary 18K he Bas 😭 but Cibil score 821 he

[@keval_yt]

If there is fee then why clickbait-title of Life time free🤦🏻

[@dineshgurjar3526]

Mam mere icici ka credit card h 34900 ka koi itam liya tha ek din let hone pr 4390 Rupye charge laga diya Iska kuch solution he kya?

[@shivamkolhe7590]

Is HDFC Regalia CC a better option to go with??? Any suggestions?

[@Aman12353]

My credit score is 725 and my monthly earning is 40 to 60 thousand which card I should get

[@SaITel12]

SBI se 1 year mei 1 lakh.. Mere 1 year salary is 1 lakh per year

[@RohitParmar92]

Out of 4 i have 3 life time free cards.