Best lifetime free credit card in India for first-time credit card users
Kannan Kale
Asked 13 May 2026
Suggest a lifetime free credit card suitable for salaried employees. I want good rewards on grocery shopping without paying any joining or annual fee.
2 Answers
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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