Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Axis Bank Lifetime Free Credit Card

    The annual fee is a charge that you pay the credit card company for giving you the privilege to use their card. This fee is worth if the rewards are substantially high. However, when it is not, users turn to credit cards with no annual fee (otherwise known as zero annual fee credit cards or lifetime free credit cards).

    Though there are many issuers offering such credit cards, talking about the Axis bank, in particular, they have two credit cards under that scheme. These include:

    • Axis Bank Insta Easy Credit Card
    • Axis Bank Select Credit Card

    Let’s see in detail what each of these credit cards has to offer.

    Complete Details Of The Axis Bank Lifetime Free Credit Cards

    Paying off the annual fee does not make sense if you happen to use the credit card very moderately or do not utilize it for making purchases or uninterested in availing the perks and rewards the card offers. At such times, no annual fee credit cards or cards that come with the lifetime free scheme can come to a rescue. They help you save on the additional charges.

    Here are two credit cards from Axis Bank that can be availed under the lifetime free scheme:

    Axis Bank Insta Easy Credit Card

    The Insta Easy Credit Card offered by the Axis Bank is a great option to choose from if you are a first-time user. The primary thing that you will require to avail this credit card is to have an FD (Fixed Deposit) of Rs.20,000. Once this is done, you will earn 6 reward points for every Rs.200 that is spent domestically. Apart from all these, the main catch is that the interest rate is low and there is no annual fee.

    Features & Benefits of Lifetime Free Axis Bank Insta Easy Credit Card

    • It offers unlimited cash withdrawals right from the day you receive the credit card.
    • It offers an interest-free period of 50 days.
    • It offers a minimum discount of 15% on dining at any of their partner restaurants within India.
    • You can set your own credit limit, which is up to 80% of the fixed deposit’s principal value.
    • It guarantees for the application approval once the deposit has been made.
    • It is equipped with the Platinum Chip Card, meaning that there is a high security involved when making payments. Also, it alerts you immediately if there is a fraud detection.

    Rewards of Lifetime Free Axis Bank Insta Easy Credit Card

    • It offers 1% waiver on fuel surcharge on all the fuel transactions that are done within India and are between Rs.400 and Rs.4,000. Also, note that there are no reward points on fuel transactions.
    • It offers a maximum benefit of Rs.400 for each month.
    • It offers the facility to earn eDGE Loyalty reward points, which helps you earn 6 reward points on every Rs.200 that you spend domestically, 12 reward points on every Rs.200 rupees you spend internationally, and 100 reward points for the foremost online transaction.

    Fees and Charges of Lifetime Free Axis Bank Insta Easy Credit Card

    Type of Fee Charges
    Joining fee Nil
    Annual fee Nil
    Joining fee on add-on cards Nil
    Annual fee on add-on cards Nil
    Finance charges 2.5% every month (34.49% per year)
    Cash withdrawal fee 2.5% of the total cash amount (Rs.250 minimum)
    Cash payment fee Rs.100
    Card replacement fee (stolen/reissue/lost) Waived
    Fee for duplicate statement Waived
    Late payment charges
    • If the credit card bill is up to Rs.100, there is no penalty.
    • If the due is from Rs.101 to Rs.300, the penalty is Rs.100.
    • If the due is from Rs.301 to Rs.1,000, the penalty is Rs.300.
    • If the due is from Rs.1,001 to Rs.5,000, the penalty is Rs.500.
    • If the due is from Rs.5001 to Rs.20,000, the penalty is Rs.600.
    • If the due exceed Rs.20,000, the penalty is Rs.700.
    Over limit fee 3% of the actual over-limit amount (Rs.500 minimum)
    Charge slip retrieval fee Waived
    Fee for the outstation cheque Waived
    Cheque return fee Rs.300
    Hotlisting charges Nil
    Balance inquiry fee Waived

    Axis Bank Select Credit Card

    The Axis Bank Select Credit Card is one of the best premium card options for Burgundy Customers. The card does not have an annual fee and comes with multiple features. You can get access to various benefits like insurance coverage, dining offers, annual benefits, etc.

    Features & Benefits of Lifetime Free Axis Bank Select Credit Card

    • It offers an exclusive shopping voucher of Rs.1,000, which can be redeemed across different product types and categories.
    • It offers complimentary Club Marriott Membership with which you can avail dining and stay across the selected Marriott Hotels.
    • It offers 6 complimentary lounge access at more than 900 international airports.
    • It offers 2 complimentary quarterly airport lounge visits in India.
    • It offers 2 free movie tickets, which can be availed from the option called Visa blockbuster Weekend, given that the ticket value does not exceed Rs.300.
    • It offers 3 complimentary visits to golf courses every year.
    • It offers concierge assistance.
    • It offers a minimum discount of 15% when dined with any of their partner restaurants.
    • It offers air accident insurance coverage up to Rs.2.5 crore.
    • It offers a purchase protection coverage up to Rs.1 lakh.
    • It offers a liability on the lost card up to Rs.3 lakh.
    • It offers a coverage up to $300 if any of the documents are lost during the travel.
    • It offers a coverage up to $300 if there is any delay in the check-in baggage.
    • It offers a coverage up to $500 if any of the check-in baggage is lost.

    Rewards of Lifetime Free Axis Bank Select Credit Card

    • It offers the facility to earn eDGE Loyalty reward points, which helps you earn 10 eDGE reward points on every Rs.200 rupees that you spend and 2× accelerated reward points for every Rs.200 rupees that you spend on retail outlets.
    • You can earn 5,000 eDGE reward points if you spend Rs.3 lakh in the previous year.

    Fees and Charges of Lifetime Free Axis Bank Select Credit Card

    Type of fee Charges
    Joining fee Nil
    Annual fee Nil
    Joining fee on add-on cards Nil
    Annual fee on add-on cards Nil
    Finance charges 2.95% every month (41.75% per year)
    Cash withdrawal fee 2.5% of the total cash amount (Rs.250 minimum)
    Cash payment fee Rs.100
    Card replacement fee (stolen/reissue/lost) Waived
    Fee for duplicate statement Waived
    Late payment charges
    • If the credit card bill is up to Rs.100, there is no penalty.
    • If the due is from Rs.101 to Rs.300, the penalty is Rs.100.
    • If the due is from Rs.301 to Rs.1,000, the penalty is Rs.300.
    • If the due is from Rs.1,001 to Rs.5,000, the penalty is Rs.500.
    • If the due is from Rs.5001 to Rs.20,000, the penalty is Rs.600.
    • If the due exceed Rs.20,000, the penalty is Rs.700.
    Over limit fee 3% of the actual over-limit amount (Rs.500 minimum)
    Charge slip retrieval fee Waived
    Fee for the outstation cheque Waived
    Cheque return fee Rs.300
    Hotlisting charges Nil
    Balance inquiry fee Waived

    How To Apply For The lIfetime Free Axis Bank Credit Cards Online:

    • Step 1: Go to the official website of Axis Bank.

    ( https://www.axisbank.com/retail/cards/credit-card )

    • Step 2: From the menu, select Explore Products > Cards > Credit Cards > Explore All.
    • Step 3: You will see a list of options. Choose the Axis Bank Vistara Infinite Credit Card. Click ‘Apply Now’.
    • Step 4: Fill the required details.
    • Step 5: Click the checkbox that says “I authorize Axis Bank ……”
    • Step 6: Click on the ‘Submit’ button.

    You will receive a call from the bank representative, who will help you with the further process.

    Important Faqs On The Axis Bank Lifetime Free Credit Cards

    1. What are the pros of using lifetime free credit cards offered by the Axis Bank?

    • The reward program is good.
    • The fuel surcharge is waived by 1%.
    • The credit limit is flexible.
    • The rate of interest is low.
    • There is no annual fee.
    • The application approval is guaranteed.
    • The annual charges are completely free for Axis Bank’s Burgundy Customers on selected cards.
    • There are complimentary airport lounge access and golf visits.

    2. What are the benefits of using lifetime free credit cards offered by Axis bank?

    • It offers excellent features.
    • The rewards are attractive.
    • There are no annual or joining charges.
    • There are insurance benefits on selected cards.
    • There are amazing deals and discounts.

    3. How to maximize the benefits?

    • Use the credit card as per the bank’s advice.
    • Do not delay in paying the dues.
    • Do not spend over the credit limit.

    4. Is GST applicable on B2B transactions?

    Yes, all the B2B transactions are subject to GST, which are paid before you receive the credit.

    5. Are there welcome benefits on the lifetime free credit cards?

    It depends on the credit card that you choose. The two cards that are mentioned above do not have any annual charges. They are free for lifetime. 

      

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    Axis Bank Lifetime Free Credit Card Reviews

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    • Punjab National Bank Credit Card
      "Good"
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    • RBL Bank Credit Card
      "Need improve their customer care"
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    • Bank Bazaar Credit Card
      "Overall experience is good"
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    • IndusInd Bank Credit Card
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    • HDFC Bank Credit Card
      "Good. Can do better"
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    • Bank Bazaar Credit Card
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    • American Express Credit Card
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