Best lifetime free credit card in India for homemakers with their first card
Rakesh Thapa
Asked 30 May 2026
Suggest a lifetime free credit card suitable for senior citizens. I want good rewards on international travel without paying any joining or annual fee.
2 Answers
Two cards from the same bank usually share credit limit, not stack it. So if bank gives you ₹2 lakh total, splitting between two cards doesn't increase your available credit. That's a common misconception people carry when applying for their second card.
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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