Finest ICICI Lifetime Free Credit score Playing cards in 2025

Synopsis- This text discusses one of the best Lifetime Free bank cards, shopper merchandise supplied by ICICI Financial institution, with their options, eligibility, and suggestions on who ought to apply for these playing cards. It offers info that will help you determine what no-fee bank card shall be finest for you, whether or not that be for on-line purchasing, gas, or as a primary bank card.

Bank cards have change into a shortly most well-liked cost methodology in India, particularly with the youthful, extra skilled, and first-time customers. With monetary literacy persevering with to develop, many shoppers at the moment are choosers of merchandise which are value-driven and can present some kind of additional advantage with out added prices. There may be now an enormous demand for Lifetime Free (LTF) bank cards that don’t have any becoming a member of charges or annual charges. ICICI Financial institution, a number one non-public lender, has had success providing a variety of LTF bank cards that cater to web shoppers, gas shoppers, and people trying to apply for his or her first card. This text outlines one of the best choices.

Finest Lifetime Free ICICI Credit score Playing cards

1. Amazon Pay ICICI Credit score Card

• Most Most well-liked by: Web shoppers, primarily Amazon.com prospects. Broadly acknowledged as ICICI Financial institution’s finest LTF bank card.
• Charge Construction:
  • Fully Lifetime Free
  • No becoming a member of/annual renewal payment
  • No payment for extra cardholders
• Rewards:
  • 5% cashback on Amazon, for Prime customers and three% cashback on Amazon for customers who usually are not Prime customers
  • 2% cashback on 100+ collaborating Amazon Pay companion retailers (Swiggy, BookMyShow, Yatra, and many others.)
  • 1% cashback on all different spend (together with utilities, insurance coverage, and many others.)
  • Cashback is auto credited to the Amazon Pay pockets each billing cycle. No want to trace the factors!
• Different Options
  • No caps on rewards, and no redemption course of; it’s cashback.
  • Gasoline surcharge: 1% waiver at HPCL (Visa) or throughout networks, relying on card kind. 
  • Globally accepted by Visa.
  • Contactless funds can be found.
• Excellent For
  • Amazon loyalists, Digital-first customers or somebody in search of excessive rewards, with simplicity of use in e-commerce.
• Reputation
  • Very extremely rated on bank card evaluation websites and monetary blogs.
  • Constantly advisable as one of the best LTF cashback card in India.

2. ICICI Financial institution Platinum Chip Credit score Card

• Most Appropriate For: Newer bank card customers, first-time customers, individuals who primarily store offline. Recognized for ease of use, simplicity, and easily the naked necessities
• Charge Construction:
  • Lifetime free
  • No becoming a member of or renewal payment to fret about
• Rewards
  • You’ll earn 2 PAYBACK factors for each ₹100 spent in retail (exclusions embrace gas, hire, authorities, and schooling funds)
  • You may redeem PAYBACK factors for vouchers or merchandise by PAYBACK’s catalogue
• Different Options
  • Reductions on eating (as much as 15%) through the ICICI Culinary Treats program
  • 1% waiver on gas surcharge at HPCL petrol stations, as much as ₹4,000
  • Chip and Contactless utilization (faucet to pay) in addition to safe transactions – you may also pay with out pre-funding the cardboard
  • World acceptance with both Visa or Mastercard
• Finest Suited to:
  • First-time bank card holders
  • Constructing a credit score document
• Offline spenders
  • Folks in search of the necessities, no-frills, will discover this card suits the invoice

Additionally learn: Kotak Mahindra Cancels Myntra Credit score Card — Right here’s What Consumers Have to Know Earlier than July 10

3. ICICI Immediate Platinum Credit score Card 

• Most Suited For: College students, stay-at-home mother and father, and people with no credit score historical past. Recognized for easy approval with out revenue documentation
• Charge Construction
  • Lifetime Free
  • There aren’t any becoming a member of or annual charges
  • It’s secured by Fastened Deposit (FD) – Minimal is ₹50,000 FD with 180 days of tenure (per ICICI Financial institution’s phrases as of present date)
• Eligibility:
  • No revenue proof is required
  • The applicant will need to have a Fastened Deposit with ICICI Financial institution
• Rewards:
  • 2 PAYBACK factors for each ₹100 spent (doesn’t embrace gas and sure different classes)
  • May be redeemed by PAYBACK solely
• Different Options
  • Establishes credit score – good for these new to credit score
  • Accepted globally on the Visa community
  • Full management through ICICI Web Banking and iMobile app
  • Primary options embrace eating affords and EMI conversion
• Finest for:
  • College students with financial savings, stay-at-home mother and father, people with out proof of revenue or wage
  • Individuals who wish to begin their credit score journey with a really low stage of threat from credit score threat.

4. ICICI HPCL Coral Credit score Card

• Focused for: Frequent gas spenders and every day commuters. In style in Tier 1/2 cities in terms of gas financial savings 
• Charge Construction:
  • May be Lifetime Free, solely: 
• When issued in opposition to a Fastened Deposit 
  • To pick out pre-approved / salaried customers through ICICI Financial institution or iMobile affords 
  • In any other case, it carries an annual payment (e.g., 199 – 500) if annual spends are ₹50,000. waivers 
• Rewards:
  • 2.5% cashback or factors when spent on gas & HPCL petrol stations 
  • It waives a 1% surcharge on gas transactions as much as Rs. 4,000 (Legitimate for transactions of ₹500)
  • 1 PAYBACK level for each ₹100 spent if it isn’t in gas 
• Different Options:
  • BOGO (Purchase One Get One) at Film Tickets. 25% off as much as ₹100, twice a month (BookMyShow) 
  • Provides on eating underneath Culinary Treats 
  • Complimentary home lounge entry (2 per quarter if eligible spend) 
  • Simple EMI conversion and international utilization (Visa) 
• Finest For:
  • Customers of autos, for driving every day, or leisure-driving, commuting over distances recurrently.
  • Folks spending on petrol of ₹3,000+ a month
  • These in search of each way of life + gas advantages

5. ICICI Financial institution Alumni Credit score Card

• Excellent for: Alumni of elite ICICI companion establishments (e.g. IITs, IIMs)
• Restricted availability, however utterly free and full of advantages for those who qualify
• Charge construction:
  • Clearly Lifetime Free
  • No becoming a member of or renewal charges
• Eligibility:
  • Solely if you’re an alumnus of an establishment partnering with ICICI Financial institution
  • You could obtain a personalised invite or discover this on alumni portals
• Advantages:
  • Customary ICICI bank card advantages
  • PAYBACK rewards
  • Eating/motion pictures commonplace affords
  • Gasoline surcharge waiver
  • Occasion invitations, networking offers, schooling mortgage advantages, and many others.
• Finest For:
  • Alumni of elite establishments
  • Customers who need an elevated bank card with no payment

Comparability Desk

Key Advantages Throughout All ICICI LTF Playing cards 

• 15% off eating at 2500+ areas by the Culinary Treats Program
• 1% gas surcharge waiver, usually for HPCL gas pumps
• Worldwide acceptance by Visa, MasterCard, and RuPay
• Contactless funds and chip applied sciences
• Free add-on playing cards for relations
• Simple conversion choices to EMI
• UPI linking on RuPay variants for QR-based funds.

Conclusion

ICICI Financial institution affords an excellent number of Lifetime Free bank cards to fulfill the wants of various spenders, on-line purchasing, gas or if you wish to construct up your credit score. For instance, the Amazon Pay ICICI Card is ideal for digital use. ICICI’s Platinum Chip and Immediate Platinum bank cards are good for entry-level playing cards: zero annual payment.

Written by N G Sai Rohith