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Get Free Credit Cards in India

The biggest problem faced by most people for making money online is that they don’t have a credit card. The fact is that many banks including ICICI bank, HDFC bank and Citibank are offering life time free credit cards. You must be minimum 21 years old and must be employed with a minimum monthly salary of 10,000 to apply for a credit card. This is the minimum salary requirement for HDFC bank. This amount may vary from bank to bank. Apply for a credit card in your parent’s name if you are not eligible. For a life time free credit card there are no charges to be paid other than the purchases you made using your credit card. Even if you don’t need a credit card now, it is better to take one now as it is free and you can use it when you need it. Several years back credit cards had annual maintenance charges which you have to pay even if you don’t use it, but now there are no such fees. From my experience I found that it is easy to get a credit card from HDFC bank compared to other banks. You can open an HDFC bank account if they don’t offer a credit card otherwise. You can apply for a credit card online or contact the bank branches in your area.

Which Credit Card is better?

While there are many credit cards available from various banks I prefer an HDFC bank credit card and I am using it for several years. It allows you to create netsafe cards using your credit card. HDFC bank offers verified by visa/ Mastercard Securecode facility for increased safety. If you are not eligible for a credit card you can use a netsafe virtual credit card for shopping online.

Don’t forget to read

Don’t have Credit Card – Use Virtual Credit Card

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12 Comments so far

  1. Ekta on December 9th, 2008

    nice one… i really didnt know abt this… good job…:)

  2. S.Muruganandam on December 9th, 2008

    i am a Salary paid employee of private Concern. My Salary is 8,000 p.m. am i eligible for credit Card ? . If So kindly guide me.

  3. Shanavas on December 10th, 2008

    Dear friends,

    Contact the bank branches in your area. They will help. It is better to contact HDFC bank first.

  4. zarina on December 19th, 2008

    I want work from home on line job but where ever I see the offer of online job those office are located in Mumbai,USA,Kolkata etc I am looking in Bangalore only can you help me in this regard thanking you

  5. Shanavas on December 19th, 2008

    Dear zarina, Most of the good companies are located in USA. Work for good companies and not local companies.

  6. gyaneshwarrao on December 31st, 2008

    Dear Shanavas,
    I have some money accumulated in paypal and is it necessary for a credit card.
    Kindly advice me.I have an account in Andhra Bank.How can I withdraw..:
    Eagerly waiting to hear from you.

  7. Shanavas on January 2nd, 2009

    You can withdraw money to your bank account in India. You need a credit card for verifying paypal only.

  8. biswajit on February 28th, 2009

    dear sir, my name is Biswajit. I need full time online income from home. Due to some physical problem I am unable to move fast. I am interested in data entry, form filling please give me some tips.

  9. Shanavas on March 1st, 2009

    Dear biswajit, You can make money from forex trading. You can make a good income from home. http://www.shanavas.com/make-money-from-forex-trading/

  10. dheeraj kumar on June 24th, 2009

    Sir, I want to make a free credit card of hdfc bank, please guide me what should i do for same. I have a debit card in hdfc bank and want to convert into credit card to the same.

  11. Shanavas on June 25th, 2009

    Dear Dheeraj, Please contact HDFC bank branch.

  12. anjan kumar on July 10th, 2009

    HI , good news , icici bank is now offering free lifetime credit cards for those who make Fixed deposits more than 30k , so now you need not have a job of 10k salary as well.

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