Credit cards serve as a solution to most of your purchases and problems. With the advent of a wide range of cards offered by major banks, you can pay for anything and everything with your credit card, even groceries.

These cards are a solution, yes, but only when used smartly. If you get your hands on a credit card and you go for a shopping spree, that’s not spending wisely. Your card just becomes a liability at the end of the month with a huge bill to pay off.

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Credit card bills adding up on a monthly basis and not being able to pay in full has become a common occurrence for most people nowadays. Due to this, every month, your bill adds up to the previous months resulting in a large debt that needs to be paid.

This is if you have one credit card. If you hold more than one, if you do not spend wisely, you have multiple debts which hit your monthly budget as well as your credit report. 

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The credit card debt cycle is an actual term given to this where you might end up spending more with a credit card in hand. This leads to a huge credit card bill, probably more than what your budget is. This, in turn, results in borrowing money in the form of a loan to pay off these debts. Hence, a cycle.

lifetime free credit card is a card that does not charge the usual annual fee ever. They may charge some money for extra services like a hard copy of the itemized bill or may have some conditions as well for getting the card but technically no annual or joining fee.

Here we have analyzed some of the important lifetime free credit cards offered by various companies in India for you to choose from. 

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Best Lifetime Free Credit Cards

1. Bank of Baroda Prime Credit Card

Bank of Baroda Prime credit card is best suited for people who are looking to avail of the cashback. With zero annual and joining fees, this card is best when it comes to basic day-to-day use.

2. RBL Insignia Preferred Banking World Credit Card

The RBL Insignia Preferred Banking World card is designed for high-net-worth individuals who want to live a life of luxury. It is one of the best life free credit cards offered by RBL bank. Best suited for premium travel.

3. HSBC Visa Platinum Credit Card

HSBC Visa Platinum Credit Card is one of the best cashback and rewards credit cards with zero joining and annual fees. The HSBC Credit card offers cashback, rewards, and discounts on flights, dining, hotels, telecom, and BOGO offer on BookMyShow, and this VISA card is accepted in more than 200 countries. Best card for entry-level.

Best suited to meet the lifestyle requirements.

4. HDFC Corporate Platinum Credit Card

It is one of the best credit cards for all those who are looking for comprehensive business solutions like Management Information Systems(MIS). This system is really valuable for the smooth running of the business. Apart from offering MIS, this card is also providing luxury and ease of mind at the time of making business travels.

Best suited- For Corporates to meet their business expenses

Annual fee/ Joining fee- NIL( Lifetime free Credit Card)

5. SBI Unnati Credit Card

The SBI Unnati Credit Card falls in the category of both a secured credit card and a lifetime free credit card. It is best suited for shopaholics. To get a card, one has to give a minimum fixed deposit of Rs 25000 as collateral. There is no annual fee on this card for the first four years. From the 5th year, SBI is charging a minimal fee i.e., Rs 499 annually. 

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Credit cards are wonderful financial instruments that are very helpful not only while making transactions for payments but also come across as effective tools for short-term credit. However, if not used properly, credit cards turn into the most expensive financial tool to possess.  

We wish that you make the best use of your credit card. Hence we bring to you 5 habits that highly effective credit card users have in common. By adopting these habits, you too could make the best possible use of your credit card. 

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1. Have A Budget: Credit cards, monthly finances, or a country, a budget is necessary everywhere. Take a look at your monthly expenses and make an account of which of these expenses could be footed through your credit card. 

2. Pay in Full Every Time: Credit card issuing companies make money in the form of interest and other charges when you do not pay your dues on time.

3. Never Use Cards for Cash Advances: Credit cards could also be used for withdrawing cash from any ATMs just like your debit cards. But withdrawing from credit cards would never be the same as from your credit cards.

4. Use rewards/offers to best advantage: Most credit cards come with some offers and rewards for usage at certain merchant establishments. It is good to know about these offers and make the best use of them. Accordingly choose cards that cater to your usage like co-branded cards for travel, fuel, or movie tickets and shopping.

5. Make clever use of repayment dates: Highly effective card users use up to 2 cards with varying due dates (One at the start of the month and the other sometime later). They effectively time their purchases on both cards in a way that they get maximum grace time.