Free For Life Credit Cards
Several banks and financial institutions offer a wide range of credit cards which offer different features and benefits. There are numerous credit cards which charge an annual membership fee and offer wide benefits. Apart from that, there is a type of credit cards that have no annual fee. Basically, annual fees are the charges that card holders are required to pay to the credit card issuer for availing all the benefits and extra privileges. This annual fee may not always be worthy of all the privileges offered. It only makes sense if the offered benefits and privileges are higher.
In case the benefits offered by the credit card are not worth paying the annual fees for, people turn to credit cards which have no annual fee. Such type of credit cards is known as free for life credit cards or lifetime free credit cards.
What Is Free For Life Credit Card?
Some credit card applicants want to make moderate use of their credit card. Basically, they want to avail basic benefits offered by credit cards. They are not interested in paying any annual charges. For such applicants, banks and financial institutions offer free for life credit cards which have zero annual fees.
Credit cards with no annual charges offer limited benefits and offers to its cardholders. Since no annual membership fees are charged, free for life credit card doesn’t offer any loyalty program, golf benefits, high rewards etc.
Features and Benefits of Free For Life Credit Cards
No matter how much money one makes, everyone likes to get free things.
Why pay extra money when the applicant can avail the offered benefits for free. For some credit card applicants, free for life credit card are too good to be true. With the lifetime free credit card, they can avail amazing benefits without having to pay annual charges.
While benefits and features of free for life credit card may vary from one card to other, here are the general benefits offered by lifetime free credit card.
- Peace of Mind: Lifetime free credit card doesn’t attract annual membership fee, late fee, over-limit fee, and cash advanced fee. Thus, it provides the card holder with absolute peace of mind.
- Access to Airport Lounges: Basic as well as supplementary card members can avail unlimited access to selected airport lounges.
- Free Supplementary Cards: Cardholders can avail unlimited supplementary cards for their family members without paying any additional fee.
- Dining Privileges: Cardholders can enjoy great discounts at selected restaurants.
- Buy One Get One Offers: With free for life credit cards, cardholders can avail lots of Buy One Get One offers across leisure, hotels, dining & entertainment in Middle East & Africa.
Eligibility Criteria for Applying Lifetime Free Credit Card
The eligibility criteria for applying lifetime free credit card may differ from card issuer to card issuer. Here are the general criteria to avail a lifetime free credit card:
- In order to apply for lifetime free credit card, the minimum age of the applicant should be 21 years.
- The applicant should have verified and permanent source of monthly income.
- Both UAE nationals and Expats are eligible to apply free for life credit card. While Emirati applicants should have Emirates Id., expats must have their passports and resident proof.
- Applicant should have a good credit score to apply for free for life credit card.
How to Apply For a Lifetime Free Credit Card?
The applicants can apply for lifetime free credit card both online and offline. Just have a look at the process of applying a lifetime free credit card:
Apply Lifetime Free Credit Cards Online
If the cardholder meets the eligibility criteria, they can apply for the card online. All they have to do is log on to the official website of the desired bank and select the card that suits their budget and requirement. Then, they need to click on the apply button, fill in the required details, and click on the submit button.
Once the bank receives their credit card application and if their profile is fit for the free for life credit card, the applicant will get a call within 3-5 business days from the bank. They will tell the applicant about the required documents to process their application further and schedule an appointment for document collection. Once all the required documents are successfully submitted, the credit card application will be processed within the next 7-10 business days.
Tip: Note the application number in order to track the status of the credit card application.
The credit card experts recommend comparing various cards before zeroing down on a credit card. The cardholders can apply for a free for life credit card by logging on to Policybazaar.ae. It is an all-in-one platform that offers a wide range of financial products to fulfil the financial needs of UAE residents. Being an unbiased financial service provider, the company’s online platform allows its visitors to search and compare various lifetime free credit cards on the basis of their features and rewards. Based on the result, they can apply for the credit card that suits their financial needs from the comfort of their home.
Apply Lifetime Free Credit Cards Offline
There are some people who might not be comfortable with applying for credit cards online. Well, such people can apply for the lifetime free credit card offline. All they need to do is approach the nearest branch of the shortlisted credit card provider and apply for the credit card that meets their financial needs. They can do so by filling in the credit card application form and attach the required documents.
Free For Life Credit Cards Offered In the UAE
Nowadays, the use of credit cards has substantially increased. A large number of credit card applicants opt for credit cards that don’t come with annual fees. Although there are numerous banks that offer lifetime free credit cards in the UAE, we have picked out a few of the best ones. Just take a look:
Note- The list is in no particular order.
Citibank offers two lifetime free credit cards:
- Citi Simplicity Credit Card
- Citi Cashback Card
Now let’s see in detail what each of these lifetime free credit cards has to offer:
Citi Simplicity Credit Card
Simplicity Credit Card offered by Citibank offers amazing benefits and other additional discounts to its cardholders.
Features & Benefits of Lifetime Free Citibank Citi Simplicity Credit Card
- The major advantage of this credit card is that it is absolutely free. No annual membership fee, no late fee, no over limit fee, and no cash advance fee is
- The cardholder of Simplicity Master Card and their supplementary card members will get complimentary access to selected airport lounges all over the Middle East.
- The cardholder can get unlimited supplementary cards for their eligible family members without paying any additional fee. They can choose the spending limit on each of the supplementary credit card.
- The cardholders can enjoy up to 20% discounts at selected restaurants.
- With this free for life credit card, the cardholders can enjoy hundreds of Buy One Get One complimentary offers across dining, hotels, leisure & entertainment in Middle East & Africa.
Note- In order to be eligible for this card, the cardholder needs to earn a minimum monthly salary of AED 5,000.
Citi Cashback Card
It is one of the best free for life credit cards in UAE that comes with cashback offers along with a range of benefits.
Features & Benefits of Lifetime Free Citi Cashback Card
- The cardholders will get 3% cashback on international spend, 2% on grocery or supermarket spend, and 1 % on all other spending.
- With this lifetime free credit card, the cardholders and supplementary card members will get free access to more than 1000 airport lounges.
- The cardholder will get up to 20% discount at specific restaurants.
- The cardholder can opt for unlimited supplementary cards for their family members without paying any additional fees.
- The card members of Citi Cashback Card will also get travel inconvenience insurance.
- In order to be eligible for this card, the cardholder needs to earn a minimum monthly salary of AED 8,000.
- The card does not attract any annual fee for the first year. From the second year onwards, the card is free upon meeting the minimum requirement.
Commercial Bank of Dubai
Commercial Bank of Dubai (CBD) is one of the most preferred banks in UAE. The bank offers a wide range of lifetime free credit cards that are mentioned below:
- Commercial Bank of Dubai Visa Platinum Card
- Commercial Bank of Dubai Titanium Mastercard
Let’s see each of these free for life credit cards in detail:
Commercial Bank of Dubai Visa Platinum Card
Thanks to its exciting offers and benefits, Visa Platinum Card offered by Commercial Bank of Dubai is one of the best lifetime free cards to opt for.
Features & Benefits of Lifetime Free CBD Visa Platinum Card
- The card holder doesn’t have to pay an annual fee on the primary card.
- The card holder will get a 50% discount on movie tickets through VOX cinemas (this offer applies only on Sunday shows).
- This lifetime free credit card offers several other benefits such as discounts on travel, dining, hospitality, wellness, and lifestyle.
- The card holder can opt for a free supplementary card for the eligible family members (age of the supplementary card members should above 15 years).
Note- In order to be eligible for this card, the cardholder needs to earn a minimum monthly salary of AED 8,000.
Commercial Bank of Dubai Titanium Mastercard
When it comes to choosing the best lifetime free credit card, Titanium Mastercard offered by Commercial Bank of Dubai is a perfect fit. This credit card offers a range of benefits from lifestyle to travel benefits.
Features & Benefits of Lifetime Free CBD Titanium Mastercard
- The cardholder doesn’t have to pay any annual fees.
- The cardholder can avail free supplementary cards for eligible family members. (Age of the supplementary card members should above 15 years).
- The card holder will get complimentary access to more than 10 VIP airport lounges in UAE, Egypt, Kuwait, Jordan, and KSA.
- With this free for life credit card, the cardholder will enjoy a 20% discount on Careem rides three times a month.
- The cardholders can avail hundreds of Buy One Get One complimentary offers on dining, attractions and more in the Middle East and Africa.
- The card offers various benefits such as discount on dining, travel, hospitality, lifestyle, and wellness.
Note- In order to be eligible for this card, the cardholder needs to earn a minimum monthly salary of AED 10,000.
How to Find the Best Free For Life Credit Card?
Although there is a myriad of free for life credit cards offered in the market, choosing the best card can be quite confusing. All lifetime free credit cards offer various benefits and features. It can be difficult to select the card that meets the need of the cardholder.
Here are the things to keep in mind while selecting the best lifetime free credit card.
- Chargeable Upgrades: While choosing the free for life credit card, keep in mind that some lifetime free credit cards have the policy to upgrade their services from time to time. All these upgrades may or may not be compulsory and can be chargeable sometimes. The applicants need to look for all the chargeable upgrades in the terms and conditions of the card. It will help them make a well-informed decision.
- Check the Validity of Offers: While lifetime free credit cards provide a range of benefits, rewards, and discounts to its card holders, all these offers and rewards might not come with a validity of a lifetime. The credit card issuers may change the benefits offered on the card after a few months or a few days. So, carefully read the fine print of the card before opting for it.
Why Choose Policybazaar.ae for Free For Life Credit Card?
Policybazaar.ae is an all-in-one platform that offers a wide range of financial products to meet the financial needs of UAE residents. It enables the applicants to discover different financial products and compare them on the basis of various parameters. It helps them come across the best credit card in the UAE that perfectly meets their budget and financial requirement.
The applicants looking for the best free for life credit card in UAE can log on to the official website of Policybazaar UAE and compare various lifetime free credit cards in just a few seconds, hassle-free.
- ADCB Credit Cards
- ADIB Credit Cards
- Ajman Bank Credit Cards
- Al Hilal Bank Credit Cards
- American Express Credit Cards
- Aseel Finance Credit Cards
- CBI Credit Cards
- Citibank Credit Cards
- Commercial Bank of Dubai Credit Cards
- Dubai Islamic Bank Credit Cards
- Dunia Finance Credit Cards
- Emirates Islamic Credit Cards
- Emirates NBD Credit Cards
- Finance House Credit Cards
- Mashreq Bank Credit Cards