Best lifetime free credit card in India for students
Parvathy Shinde
Asked 11 Jun 2026
Suggest a lifetime free credit card suitable for frequent travellers. I want good rewards on lounge access without paying any joining or annual fee.
2 Answers
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.
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.
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.