Best lifetime free credit card in India for senior citizens
Maya Verma
Asked 17 Apr 2026
Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on travel and flights without paying any joining or annual fee.
2 Answers
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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