Best lifetime free credit card in India for salaried employees
Sandeep Varadarajan
Asked 6 Apr 2026
Suggest a lifetime free credit card suitable for salaried employees. I want good rewards on utility bill payments without paying any joining or annual fee.
2 Answers
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.