Best lifetime free credit card in India for freelancers
Sarada Malakar
Asked 1 Apr 2026
Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on dining and restaurants without paying any joining or annual fee.
2 Answers
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
Dispute process that worked for me: I called customer care within 24 hours, raised a dispute via the netbanking portal (uploading the receipt showing I never visited the merchant), and got a provisional credit in 5 working days. Permanent credit came after the bank's investigation in about 30 days.
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