Best lifetime free credit card in India for small business owners
Manish Momin
Asked 15 Jun 2026
Suggest a lifetime free credit card suitable for senior citizens. I want good rewards on online shopping without paying any joining or annual fee.
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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