Lifetime-Free Credit Cards: Apply Online with No Cost

Zero-fee credit cards are a great option if you want to enjoy the benefits of a free credit card without extra costs. These cards come with no joining or annual fees, which makes them perfect for beginners.

You can use them for shopping, bill payments, or even earning rewards – without paying a single rupee in maintenance charges. Many providers now offer easy approval through an online credit card app. You can apply quickly and manage your card from your phone. It is a smart and hassle-free way to get started with credit.  

What are Zero-Fee Credit Cards?

A zero-fee credit card offers rewards, cash back, and other benefits without charging you any joining or annual fees. It is a smart choice when you are looking to build credit, manage expenses, and enjoy perks without needing to pay a recurring fee.

Top Zero-Fee Credit Cards
Not all zero-fee credit cards are the same. Here are some top cards with their features that you can compare and choose:

1. One Credit Card
A stylish metal credit card with no annual or joining fees, offered in partnership with leading banks, this card offers the following benefits:

• Get the card quickly by applying through the OneCard App

• Earn 5X reward points on the two highest spending categories each month

• Convert big purchases into EMIs without added interest

• Use it globally with low forex charges of 1% and travel discounts 

2. IDFC FIRST Select Credit Card
Here’s what you can get by applying for this zero-fee lifestyle card with great offers and rewards:

• Get a ₹500 gift voucher from popular brands

• Earn up to ₹1,000 cashback on your first EMI transaction

• Low forex markup fee of just 1.99% on international spending

• Enjoy 2 complimentary domestic airport lounges

3. HSBC Visa Platinum Credit Card
This card is great for everyday use and travel, with zero joining and annual charges and offers the following benefits: 

• Get a ₹100 Amazon voucher when you apply online

• Save up to ₹3,000 every year on fuel surcharge

• Use points as flight miles and book tickets across various airlines

• Earn 2 points for every ₹150 you spend

4. ICICI Bank Platinum Chip Credit Card
Another simple, secure card with good reward points and no joining or annual fees, it offers the following perks: 

• Earn 2 reward points for every ₹100 spent at eligible retail stores

• Save on fuel with 1% surcharge waiver at HPCL pumps

• Redeem reward points across multiple categories

• Option to convert big purchases into affordable EMIs

5. Amazon Pay ICICI Bank Credit Card
Perfect for Amazon users, this card gives unlimited cashback as follows:

• Prime users earn 5X reward points on Amazon purchases

• Non-Prime users get 3X reward points on Amazon purchases

• Get 1% Surcharge waiver for all fuel purchases

• Earn 2X reward points on 100+ partner merchants  

Features and Benefits of Zero-Fee Credit Cards

These credit cards come with several useful features and benefits. Some of them are given below:

No Joining Fees

• You do not have to pay joining or annual fees for the card

• This helps you save money every year

Rewards or Cashback on Purchases

• Earn reward points or cashback on almost every transaction 

• These can be redeemed for vouchers, discounts, or more

Build a Good Credit History

• Regular use and timely payments improve your credit score

• This helps in getting quick and affordable loans in the future

Easy Account Management

• You can track spending, view statements, and pay bills online

• Most cards come with mobile app support for more convenience

Suitable for First-Time Users

• Simple features and no fees make it ideal for beginners

• It helps you learn to use credit wisely

No Hidden Charges

• These cards have transparent pricing with no surprise charges

• You only pay for what you use

Discounts on Shopping

• You can enjoy savings on everyday purchases and lifestyle expenses

• Enjoy accelerated savings on select merchants 

Pros and Cons of Zero-Fee Credit Cards
Zero-fee credit cards are a cost-effective way to enjoy basic credit benefits, but they may come with some limitations. The pros and cons are given below in the table:

How to Apply for a Zero-Free Credit Card

You can apply for the zero-fee credit card online and offline in a few simple steps. Here are the general steps to apply: 

Online Application

1. Visit the financial company’s website or app

2. Click the ‘Apply’ button and provide the necessary personal details

3. Upload the required documents (bank statements, PAN, Aadhaar card, etc.) for verification 

4. Once verified, the financial institution will approve your application

Offline Application

1. Visit the bank branch you want to get the card from

2. Fill out the application form with the necessary personal details

3. Hand in the required documents for verification

4. The bank will review your details and documents

5. Once verified, the bank will approve your application

Choosing a zero-fee credit card is a smart move for your financial journey. If you are looking for such a card, one great option is the One Card Credit Card. It is a lifetime-free credit card with no joining or annual charges. You also get:

• 5X rewards on your top two monthly spending categories

• 0 rewards redemption fees

• Instant spend tracking through the OneCard App

• Smart EMI options for flexible payments

• Fuel surcharge waivers

• Instant cash advances

This metal card offers the perfect blend of style, savings, and control. Apply now to enjoy seamless rewards and smarter spending.