India, Sept. 21 -- justify;">A credit card advertised as "lifetime free" can seem like an easy choice. After all, if there are no joining or annual fees, why not apply? However, while lifetime free cards can offer excellent value, it is important to understand what the term actually means. A card with no annual fee does not necessarily mean every feature or transaction is free. Before choosing the lifetime free credit card, take a closer look at the terms and conditions to ensure the card matches your spending habits and financial goals.

In most cases, a lifetime free credit card means the issuer does not charge:

However, other charges may still apply depending on how you use the card.

These can include:

Before applying, review more t...