Best lifetime free credit card in India for students
Ritesh Chaubey
Asked 26 Mar 2026
4
Suggest a lifetime free credit card suitable for senior citizens. I want good rewards on bill payments without paying any joining or annual fee.
2 Answers
23
Alia Murthy·28 May 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
2
Murugadoss Tak·28 Feb 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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