A credit card with no joining fee and no annual fee for as long as you hold it.
A lifetime free (LTF) card never charges a joining or annual fee. Other charges still apply: interest if you do not pay in full, late payment fees, cash withdrawal fees and forex markup.
LTF cards suit people who spend little on the card or want a first card to build a credit history. A paid card can still leave you better off if its rewards are worth more than the fee at your spend.
Short reads that explain how it works before you decide.
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →Automatically organise your spending, track expenses and understand where your money goes.
