Best lifetime free credit card in India for salaried employees
Ganesh Nair
Asked 23 Apr 2026
Suggest a lifetime free credit card suitable for IT professionals. I want good rewards on utility bill payments without paying any joining or annual fee.
2 Answers
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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.
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