Best lifetime free credit card in India for salaried employees
Palak Krishnan
Asked 2 Mar 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
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.
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.
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