As a first-time credit card user, the prospect of a free credit card might sound highly enticing. But what constitutes “free” in this scenario? Are there no hidden fees whatsoever? And how do Rupay credit cards come into the equation?

In this piece, we will discuss everything that you should know about free credit cards, such as their benefits, characteristics, potential disadvantages, and how to select the best one.

What Is a Free Credit Card?

A free credit card does not require a joining fee or an annual fee. It is usually referred to as a lifetime free credit card because you don’t need to pay an annual fee to maintain it.

Most Indian banks issue these cards to gain new customers, particularly first-time cardholders. Others also offer limited-term promotional offers, where the card is free if you make a fixed amount of expenditure within a year.

It’s …