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Best lifetime free credit card in India for salaried employees

Vetrimaaran Iyengar

Asked 16 Mar 2026

23

Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on utility bill payments without paying any joining or annual fee.

1 Answer

Accepted
21
Kiara Tiwari·9 Apr 2026

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.

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