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The Only Lifetime Free Credit Card with Railway Lounge Access!

LTF Card with Railway Lounge Access Before, airport lounge access used to be a premium benefit, exclusive to high-end credit cards. However, in recent years, this perk has trickled down even to entry-level cards. But what about railway lounge access? While airport lounges are ubiquitous, finding a credit card that provides complimentary access to railway lounges is much rarer, moreover, discovering a lifetime free card with such a benefit is like striking gold. Let’s dive in and find out the only lifetime free credit card with railway lounge access. Is There Any Lifetime Free Credit Card with Railway Lounge Access? Yes! The IDFC First Select Credit Card is the only lifetime free credit card with Railway Lounge Access. This makes it an excellent choice for frequent travelers who prefer the convenience of train travel over flights. However, before applying for it, read the entire post to understand all the features and benefits. Disclaimer: This post may contain partnered links, but our reviews are not influenced by these partnerships. Table of Content IDFC First Select Credit Card Key Features Pros & Cons FAQs Credit Cult Conclusion Final Thoughts IDFC First Select Credit Card (LTF) Apply Now! Key Features: Lifetime Free: No joining or annual fees. Railway Lounge Access: Complimentary access to Railway & Airport Lounges (4/Quarter). Welcome Benefit: Welcome Voucher of Rs 500 on spend of 15,000/more within the first 90 days. First EMI Offer: 5% cashback on first EMI transaction within first 90 days. Reward Points: Earn reward points on every spend (Low Valueback) Fuel Surcharge Waiver: Fuel surcharge waiver at all petrol pumps across India. Interest-Free Cash Withdrawal: Interest-free cash withdrawal from ATMs for up to 48 days. Discounts and Offers: Access to exclusive discounts and offers across a variety of categories like dining, shopping, and entertainment. Benefits: Cost Efficiency: With no annual fees and numerous perks, this card offers great value without additional costs. Travel Comfort: Access to railway lounges can make long train journeys much more pleasant. Birthday Special: 10x Reward Points on spends on your birthday. Pros & Cons of IDFC First Select Credit Card Pros: No annual or joining fees. Complimentary railway & airport lounge access. Welcome Benefits. Reward points on all spends. Fuel surcharge waiver. Interest-free cash withdrawals. Cons: Benefits may not be as extensive as premium cards with high annual fees. No offers on Utility Payments. FAQs (Lifetime Free Credit Card with Railway Lounge Access) Q: What is the IDFC First Select Credit Card? A: It’s a lifetime free credit card that offers various benefits and it is the only LTF credit card with railway lounge access. Q: Is there an annual fee for the IDFC First Select Credit Card? A: No, this card has no joining or annual fees, making it a lifetime free card. Q: How do I access railway lounges with this card? A: Present your IDFC First Select Credit Card at participating railway lounges to enjoy complimentary access. Q: Are there any other notable benefits of this card? A: Yes, aside from railway lounge access, the card offers reward points on every spend, a fuel surcharge waiver, and interest-free cash withdrawals. Q: How can I apply for the IDFC First Select Credit Card? A: You can apply online through the IDFC First Bank’s website or visit a nearby branch. Apply Here. Q: Is There Any Lifetime Free Credit Card with Railway Lounge Access? A: Yes! The IDFC First Select Credit Card is the only lifetime free credit card that offers complimentary access to railway lounges. This makes it an excellent choice for frequent travelers who prefer the convenience of train travel over flights. Credit Cult Conclusion The IDFC First Select Credit Card stands out as the only lifetime free credit card offering complimentary railway lounge access. It’s a perfect fit for frequent travelers who prefer the comfort of train journeys and appreciate the added benefits of reward points, fuel surcharge waivers, and more. By choosing this card, you not only enjoy the perks of a premium card without the cost but also make your travel experience significantly more comfortable and rewarding. Credit Cult’s Recommendation: If you frequently travel by train and value comfort and convenience, the IDFC First Select Credit Card is a fantastic choice. With its lifetime free status and railway lounge access, it provides significant value without the burden of annual fees. Happy traveling! Apply For IDFC First Select Now! Final Thoughts on the only Lifetime Free Credit Card with Railway Lounge Access Lifetime free credit cards with railway lounge access are a rare find, but they offer a perfect blend of cost-saving and premium benefits. The IDFC First Select Credit Card is a testament to how credit cards can enhance your travel experiences without the added costs. If this sounds like the right fit for you, consider applying and enjoy the myriad benefits it has to offer. Hey Readers, We hope you found Credit Cult’s recommendations helpful in selecting the best credit card for your needs. If you liked this post, also check out our detailed guide on the best 5 lifetime free credit cards in India and find the best fit for your financial needs. Happy spending! – Saurabh, Credit Cult

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5 Best Lifetime Free Credit Cards in India!

5 Best Lifetime Free Credit Cards in India! Credit cards have revolutionized the way we manage our finances, but do you know what’s even better? Lifetime free credit cards. Imagine enjoying all the benefits of a credit card without ever paying a joining or annual fee. With hundreds of options available, how do you choose the best one? To save you time and effort, this post ranks the top 5 lifetime free credit cards in India. Each of these cards offers unique perks and rewards, ensuring you get the most value without any hidden costs. Don’t miss out on our Credit Cult conclusion section for final insights. Let’s dive in! Disclaimer: This blog may include affiliate links. They help support our work but don’t affect product rankings/reviews. Our recommendations are based on unbiased evaluations & personal experience. List of 5 Best Lifetime Free Credit Cards: HDFC Tata Neu Infinity Credit Card Amazon Pay ICICI Credit Card IDFC First Select Credit Card ICICI Platinum Chip Credit Card OneCard Credit Card FAQs Risks and Benefits of Credit Cards Credit Cult Recommendation Credit Cult Conclusion #Best: HDFC Tata Neu Infinity Credit Card Key Features: 10% Valueback on Shopping (Neu App) 5% Valueback on Recharge and Bills 20% Valueback during PayDay Sale UPI spends + 1% Cashback (RuPay Variant) Complimentary Airport Lounge Access You may get LTF Credit Card (Fees: 1499) Apply Now Other Features Welcome Benefits of 1,499 NeuCoins (If joining fees of Rs 1,499 is paid) Milestone Benefits are often offered by HDFC NeuPass Rewards Program (Often ran during TATA IPL) 1.5% Cashback on EMI spends at TATA Brands Joining Fees & Annual Fees: Rs 1499 1% Fuel Surcharge Waiver #If you don’t initially receive the HDFC Tata Neu Infinity Credit Card as a lifetime free option, consider contacting HDFC Bank to request a conversion. Banks often accommodate such requests based on your relationship and spending patterns. This way, you can enjoy all the benefits without worrying about annual fees. Pros & Cons Pros: You may get it as Lifetime Free Credit Card Best Valueback on TATA Brands (especially spends through TATA Neu App) Best Valueback on Utilities Payment Payments through UPI and Cashback on it Cons: You may not get it as Lifetime Free Credit Card No offers on Non-TATA E-commerce brands (like Amazon, Flipkart, Myntra, and more) #2. Amazon Pay ICICI Credit Card Key Features: 5% Valueback on Amazon Shopping (3% Valueback, if not a prime member) 2% Valueback on Recharge and Bills Welcome Benefits: Amazon Prime, Other Complimentary Offers worth Rs 1,500/more No Airport Lounge Access Apply Now Other Features 2% Valueback on spends on partner brands like Yatra, BookMyShow, Faasos, etc. 1% Valueback on other spends Occasionally, special rewards are offered by Amazon 3/6 months No-cost-EMI and Amazon Shopping 1% waiver on fuel surcharge   Pros & Cons Pros: Great welcome benefits at Nil joining fee High cashback rate for Prime members Multiple associated partners, spends on these earn 2% cashback Lifetime free No cap on cashback earning Cashback is directly credited as Amazon Pay Includes everyday spends like wallet reloads, bill payments for cashback earning Cons: Zero benefits on travel, entertainment or any other category apart from shopping Not suited for international usage as foreign currency mark-up fee is high (3.5%) Low cashback rate for non-prime holder Benefits of ICICI Bank Credit Card are not applicable on this card (So, no good offers on other E-commerce brands) #3. IDFC First Select Credit Card Key Features: Only Lifetime Free Credit Card offering Railway Lounge Access (4/Quarter) Welcome Benefit: 500 on spend of 15,000 B1G1 movie ticket offer, twice every month 5% cashback on your first EMI transaction (within first 90 days)  Airport Lounge Access (4/Quarter) Apply Now Other Features 10X reward points on all transactions you make on your birthday 15% off at 3,000 plus health and wellness outlets Enjoy free Road Side Assistance (RSA) of up to Rs.1,399   Pros & Cons Pros: Lifetime Free Card  Only Lifetime Free Card offering Railway Lounge Access Welcome Benefit of Rs 500 on a spend of Rs 15,000 Cons: Does not offer good Valueback on online/offline shopping Does not offer valueback on Utility payments #4. ICICI Platinum Chip Credit Card Key Features: A Must have card for Instant Discount on E-commerce Sales (Amazon, Flipkart, Croma, and more) 15-20% off on spends at partner restaurants  No Other Benefits like Lounge Access, Utilities Bill Payment Offers Apply Now Other Features Fuel surcharge waiver of 1%  No other benefits. Recommended just because I have noticed that recently ICICI is offering great discount on shopping from almost all E-commerce platforms using ICICI Bank Credit Cards (Except co-branded credit cards).   Pros & Cons Pros: Instant Discount and Cashback offers on almost all E-commerce brands Lifetime Free Cons: No good Valueback on other spends No valueback on Utilities payments No Airport/Railway lounge benefits #5. OneCard Credit Card Key Features: 10-30% Valueback on stores around you (Grocery, QSR, Pharmacy, Fuel and more) Around 1% Valueback on Online Spends No Lounge Access Discounts offered on Amazon-Croma Sales Valueback on Gift Card Purchase A #MetalCard Zero Forex Fee Apply Now Other Features Exclusive Deals are offered  Special Sale cashbacks under Ticking Deals Segment Travel Benefits Available OneCard’s SBM Card allows customers to get credit card against FD. Best to build a credit score. Pros & Cons Pros: Great Valueback offered under the Around You offer segment Lifetime free card Get it against FD if not credit history Occasional Exclusive Deals are offered Enhanced security through app based transaction approvals and card control Cons: No Airport/Railway Lounge Access Bank Credit Card offers are not applicable No good valueback on Utility payments Credit Cult Recommendation 3 Lifetime Free Credit Cards Owned by Me All 5 of them are the Free Gems. I own 3 of them and soon will apply for the other 2 credit cards. But, if you want the best then go for HDFC’s Tata Neu Infinity Credit Card even if you don’t get it as a Lifetime Free Credit

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