Question: Which Is The Best Lifetime Free Credit Card?

Which HDFC credit card is lifetime free?

HDFC Freedom Credit CardBenefits of lifetime free HDFC Freedom Credit Card You can earn 25× rewards on birthday spends (3000 maximum capping reward points).

You can earn 10× rewards on SmartBuy & PayZapp spends (1500 maximum capping reward points for every statement cycle).

You can earn 1 reward point on every 150 rupees that are spent..

What is the best all around credit card?

Best Credit Cards of October 2020 Chase Freedom Unlimited®, Best feature: Flexible cash back rewards. Blue Cash Everyday® Card from American Express, Best feature: Cash back on everyday purchases. Chase Sapphire Preferred® Card, Best feature: Travel rewards.

How can I avoid the fuel surcharge on my credit card?

Presently, Every time you make a fuel purchase through your card, you have to pay a fuel surcharge @ 1% (before 13 Jan 2017, it was 2.5%) subject to the minimum of INR 10. You can avoid these additional charges on fuel can be by making cash payments.

What is the easiest gas credit card to get?

Here are the easiest unsecured credit cards to get:Overall: Fingerhut Credit Account.Rewards: Credit One Bank® Visa® Credit Card.Small Business: Capital One® Spark® Classic for Business.Limited Credit: Petal 2 “Cash Back, No Fees” Visa® Credit Card.Students: Deserve® EDU Mastercard for Students.

Does every credit card have an annual fee?

Do All Credit Cards Have an Annual Fee? Not all credit cards have an annual fee. In fact, many good ones don’t. Whether you’re looking for a rewards credit card or a card for bad credit, you can find quite a few cards that don’t charge an annual fee.

Is it bad to open a credit card and not use it?

Yes. As long as you continue to make all your payments on time and are careful not to over-extend yourself, those open credit card accounts will likely have a positive impact on your credit scores.

Will I get charged if I don’t use my credit card?

Most credit card issuers do not charge an inactivity or dormant account fee on unused credit cards. … There’s no set time for all credit cards, but typically a year or more is about the maximum your unused card might stay open. And, for some good news, you’re not allowed to be charged inactivity fees on unused accounts.

Is it good to have zero balance on credit card?

Unless your balance is always zero, your credit report will probably show balance higher than what you’re currently carrying. Fortunately, carrying a balance won’t hurt your credit score as long as the balance you do have isn’t too high (above 30 percent of the credit limit).

What happens if I don’t pay my credit card for 5 years?

If you don’t pay your credit card bill, expect to pay late fees, receive increased interest rates and incur damages to your credit score. If you continue to miss payments, your card can be frozen, your debt could be sold to a collection agency and the collector of your debt could sue you and have your wages garnished.

What credit cards have no annual fee?

Citi® Diamond Preferred® Card: Best for lenghty introductory purchase window. Discover it® chrome: Best for first year welcome offer. Chase Freedom Unlimited®: Best for unlimited earning potential.

How do I avoid credit card annual fee?

5 Ways to Get Your Credit Card’s Annual Fee WaivedJust ask. … Leverage your loyalty. … Inquire about specific card use. … Compare offers. … Call to cancel your account. … Pay the fee using your rewards. … Convert to another credit card. … Open a different credit card.

Which free credit card is best?

Card NameBest Suitable ForJoining FeeSBI Unnati Credit CardFuel, Bill PaymentNilAxis Bank Insta Easy Credit CardFuel, DiningNilIndianOil Citibank Platinum Credit CardFuel, Dining, MovieNilCentral Bank of India MasterCard Titanium Credit CardAirport Lounges, TravelNil6 more rows•Jul 24, 2020

Are lifetime free credit cards really free?

Other charges: There are charges you may have to pay based on how you use the Credit Card. … But if you use your card only for online and offline purchases and settle your bills before due date, your Credit Card is free. If lifetime free Credit Cards come without charges, how do banks earn money from the service?

Which credit card is best for fuel?

Best Fuel Credit Cards in India October 2020Credit CardsOffers on Fuel SpendsJoining Fee (In ₹)Standard Chartered Super Value Titanium Credit CardGet 5% cashback on fuel purchase499ICICI Bank HPCL Coral American Express Credit CardEarn 6 PAYBACK points for every ₹100 spent on fuel at HPCL pumps1993 more rows

Is there a credit card that can only be used for gas?

Gas cards generally are issued in two versions: gas-only branded cards, which you can only use at that station, or co-branded cards that are a Visa or MasterCard and can be used almost anywhere. Unless you’re willing to pay an annual fee, rewards are limited to discounts on the cost of gas.

Is HDFC regalia credit card free?

HDFC Bank Regalia Credit Card is one of the most popular premium credit card in the country for many years….Joining Fees & Charges.Joining FeeRs.2,500 (Easy to get First year free)Renewal Fee WaiverRs. 3 Lakh Annual Spend3 more rows•Jun 1, 2020

Can I have 2 HDFC credit card?

Getting approved for Multiple HDFC bank credit Cards: It becomes impossible for many when they have credit limit like 1 Lakh and wants to hold two cards, as most premium credit cards with HDFC has 2L or more limit and there is no point in holding two beginner level cards.

Which HDFC credit card is better?

Top 10 HDFC Credit Cards in India for 2020Credit CardAnnual Fee (in Rs.)Best Suited ForHDFC Regalia Credit Card2,500Shopping & TravelHDFC MoneyBack Credit Card500Rewards & ShoppingHDFC Millennia Credit Card1,000CashbackHDFC Titanium Times Credit Card500Movies & Dining6 more rows•Sep 29, 2020