How to Apply for Free Credit Cards Online Without Paying Any Fees

With the One Credit Card, you can enter basic information and check your eligibility with ease. With its easy-to-use mobile app, you can explore the best offers and apply in minutes.

How to Apply for Free Credit Cards Online Without Paying Any Fees

Nowadays, many issuers promise to give you a lifetime-free credit card. These are regular credit cards that offer benefits like rewards and discounts, without the financial burden of annual and joining fees. 

But it's easier said than done. Getting approved for these credit cards can be challenging, as issuers need assurance that you can use the card responsibly. That said, here is a complete guide on getting a lifetime-free credit card for your consideration. 

What is a Credit Card with Zero Annual and Joining Fee?

To keep your card active, you need to pay a pre-determined fee once a year. While this annual cost may seem low, it can add to your financial burden. To avoid this charge, many lenders offer lifetime free credit cards that include all the benefits of regular credit cards, such as rewards, cashback, discounts, and more.

Steps to Apply for a Lifetime-Free Credit Card

If you are interested in getting a credit card without paying the avoidable fees, here is how you can apply:

Research the Eligibility Terms

The eligibility criteria for applying for a credit card without an annual and joining fee are no different than regular credit cards. By improving your credit score or ensuring your income meets the requirements, you can easily qualify for any credit card without recurring fees. 

To check if you meet the criteria, go to the credit card company’s site or mobile application and look out for three things:

  • Eligibility criteria, including credit score requirement

  • Features 

  • Benefits

Ensure You Have a Good Credit Report

Your credit score is one of the most important factors in getting approval for a credit card. Maintain a score above 700 to get good deals. If you have a good score, you can get instant approval on a lifetime-free card. 

In case you don’t have a sufficient score as per the issuer’s requirement, you can improve your credit score by:

  • Closing any pending loans in your name, if possible

  • Keeping the credit utilisation ratio of existing credit cards under 30% 

  • Avoiding opening too many new credit accounts within a short period

  • Not submitting applications frequently to avoid credit inquiries

  • Ensuring you pay EMIs and credit card bills on time

Check Income Status

Your finances play an important role when you are applying for a zero-fee credit card. They show whether you can repay on time, which affects your approval and credit limit. Banks typically confirm the regularity of your income through documents like salary slips or tax returns (for self-employed people).

Negotiate 

Sometimes, you may want to opt for a credit card offering exciting benefits but with an applicable annual fee. In this case, you have the option to send a waiver request to the issuer. After getting approved, you can negotiate with the issuer to waive or reduce annual fees, especially if you are a loyal customer and have a good payment history.

Check Out the Offers

Issuers sometimes have promotional offers where new credit cardholders can enjoy relaxed eligibility criteria. These kinds of offers are mainly available during festive seasons, so look out for them and leverage them when you can. 

Once you are done with choosing a suitable card and meeting the criteria you can move on to apply for it. The application process for such cards is similar to traditional credit cards. Go to the issuer’s official website, download the mobile application or visit the respective branch to submit your application.

With the One Credit Card, you can enter basic information and check your eligibility with ease. With its easy-to-use mobile app, you can explore the best offers and apply in minutes.

To ensure maximum savings, this card also comes with outstanding deals and discounts along with guaranteed 5X reward points every month on your top two spending categories. Apply online on the OneCard credit card online app to save money!

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