List of Credit cards with Life Time Free benefits – 2021 Updated

            Today most of the people having at least one credit card in their wallet for their personal use. This change is drastic after the digital revolution started back in 2015 where private banks offered their account opening process so simple and fully digital. At the same time another revolution were started begun silently which is a Credit Card. One thing which attracts most of the users to get this unsecured loan in the form of fancy plastic sheet starts with the fancy name called ‘LIFE TIME FREE(LTF)’ credit cards.

            LTF is a term which attracts the digital bank users get the credit card from the most popular private banks. LTF is nothing but the credit card provider will provide this credit card without any annual maintanence charges and in return the credit card company will provider some rewards in the form of reward points and vouchers. Today we are going to see the best LTF credit cards and their benefits in detail which will be useful for the one who is willing to get one.

1)    Amazon Pay ICICI Bank Credit Card:

a.     Key Benefits:

                                                    i.     Earn cash back of 5% for all the transactions done in Amazon.com website only for Prime Members.

                                                  ii.     Earn 3% cash back for all the transactions done in Amazon.com website only for Non-Prime Members.

                                                iii.     Earn 2% cash back for all the payments done in Amazon Pay to partner merchants (Refer Amazon Pay for list of partner merchants).

                                                iv.     Earn 1% cash back for all the other transactions done outside of the Amazon.

                                                  v.     No Limit or expiry on rewards earned.

                                                vi.     1 reward point = 1 Rs credited to Amazon Pay Balance.

                                              vii.     Fuel surcharge wavier of 1%.

b.    How to apply:

                                                    i.     If you’re an existing ICICI card user, you can avail this card easily using that existing card on card-to-card basis through this ICICI Bank Official site.

                                                  ii.     Another way is to apply through the Amazon website. A banner will be displayed to apply this card if you’re eligible. 

1)    Flipkart Axis bank Credit Card VISA Variant:

a.     Key Benefits:

                                                    i.     Earn 5% cash back for all transactions done on Flipkart and Myntra sites.

                                                  ii.     Earn 4% cash back for all transactions done on partner sites like SWIGGY, PVR, Uber and so on.

                                                iii.     Earn 1.5% cash back for all other spends including Online & Offline transactions.

                                                iv.      No Welcome benefits for VISA variant offered for Life time Free benefit.

b.    How to apply:

                                                    i.     Open the Flipkart app and search for the banner for Axis bank credit card apply link. Use the Official Link and apply. Link will be visible only for the eligible customers.

1)    IDFC First bank Credit Cards:

a.     Credit cards offered by this bank is pretty unique from other players in the market. They offer 4 variants of credit cards for various types of people based on the net worth and income. All the 4 cards were offered as LTF credit cards with varying benefits. I have already posted on blog post about the benefits for each cards in detail. Please refer IDFC Credit Cards this post for more details.

                b. Please visit the Official Site to apply the credit card.