Seeking Best Lifetime Free Credit Card (Zero Joining & Annual Fees) for Lounge access

[mauleek]

Hi everyone,

I'm currently exploring options for a lifetime free credit card with zero joining fees and zero annual fees for Lounge access. I prefer cards that offer decent rewards or cashback without hidden charges or usage conditions.

Cards I Already Hold:

• HDFC Millennia Credit Card
• ICICI Amazon Pay Credit Card
• SBI IRCTC Credit Card
• Kotak League RuPay Credit Card

Cards I Applied For But Got Rejected:

1. Scapia Federal Bank Co-Branded Credit Card
   • Application not processed.
   • Not sure of the exact reason.
   • I had previously held a One Card co-branded with Federal Bank, which I closed voluntarily.
   • I've emailed them to understand the reason for rejection.
2. IDFC FIRST Bank Credit Card
   • Application also not processed.
   • In the past, IDFC misreported my CIBIL score, which they later corrected.
   • They even compensated me ₹20,000 for the error.
   • I’ve closed the associated BNPL Flipkart account.

What I'm Looking For:

• Lifetime free card (no joining or annual fees ever)
• Lounge access
• Lounge access for Addon Card
• Good rewards or cashback
• Preferably from a bank I haven’t had issue with

 

[amitvicky]

Hi everyone,

I'm currently exploring options for a lifetime free credit card with zero joining fees and zero annual fees for Lounge access. I prefer cards that offer decent rewards or cashback without hidden charges or usage conditions.

Cards I Already Hold:

• HDFC Millennia Credit Card
• ICICI Amazon Pay Credit Card
• SBI IRCTC Credit Card
• Kotak League RuPay Credit Card

Cards I Applied For But Got Rejected:

1. Scapia Federal Bank Co-Branded Credit Card
   • Application not processed.
   • Not sure of the exact reason.
   • I had previously held a One Card co-branded with Federal Bank, which I closed voluntarily.
   • I've emailed them to understand the reason for rejection.
2. IDFC FIRST Bank Credit Card
   • Application also not processed.
   • In the past, IDFC misreported my CIBIL score, which they later corrected.
   • They even compensated me ₹20,000 for the error.
   • I’ve closed the associated BNPL Flipkart account.

What I'm Looking For:

• Lifetime free card (no joining or annual fees ever)
• Lounge access
• Lounge access for Addon Card
• Good rewards or cashback
• Preferably from a bank I haven’t had issue with

Indusind tiger cc could be a close one that currently is LTF (0 joining, 0 annual) and no spend criteria.

All other LTF cards would have spend criteria.