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.

 

[PahulGoyal]

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.

Can we apply for Tiger card if we already have an indusind card? When I try to apply, it shows that I already have an indusind card so I am not eligible.

 

[amitvicky]

Can we apply for Tiger card if we already have an indusind card? When I try to apply, it shows that I already have an indusind card so I am not eligible.

Not directly.
I have heard that you would need to email their customer care requesting to issue tiger cc with split limit along with your existing cc.

 

[PahulGoyal]

Not directly.
I have heard that you would need to email their customer care requesting to issue tiger cc with split limit along with your existing cc.

I will do that right away then.
Thanks

 

[amitvicky]

I will do that right away then.
Thanks

Let me know what happens finally.

 

[PahulGoyal]

Let me know what happens finally.

They said they are forwarding my details to card application team and they will contact me but no one did. I guess this is the end.

 

[amitvicky]

They said they are forwarding my details to card application team and they will contact me but no one did. I guess this is the end.

Email them again or reach put to PNO or grievance cell.

 

[PahulGoyal]

Email them again or reach put to PNO or grievance cell.

Yeah, will try that too

 

[TaxWiser]

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

I personally hold PNB Platinum Rupay CC for Lounge Access, LTF and UPI benefits(via Cred & Navi only when I have utilized my HDFC Tata Neu Infinity RuPay CC)

 

[ritikpatel]

• Scapia (Federal Bank) Credit Card → Lifetime free, unlimited domestic lounge access on ₹10k monthly spend, good rewards.
• IndusInd Tiger Credit Card → Lifetime free, 8 domestic + 2 international lounge visits yearly, low forex markup, no annual fee.