No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that's the best fit for your spending habits and credit situation.

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1. Check your creditFind out what credit card offers you might be eligible for by checking your credit score. The better your score, the greater your chance of being approved for cards with better perks.

Among ways to check your score:NerdWallet offers free access to credit scores. Many credit card issuers give cardholders free FICO scores.

The three major credit bureaus (Experian, Equifax and TransUnion) sell credit scores.

2. Identify which type of credit card you needThere are three general types of credit cards:Cards that help you improve your credit when it's limited or damaged.

Cards that save you money on interest.Cards that earn rewards.

A credit card with an annual fee is worth it because it offers higher rewards and if you can make the best usage to get those benefits. But sometimes, credit cards with zero joining or annual fees would be better in terms of long-term value. Even if these cards do not offer much in terms of rewards or cashback, you can keep them open without any cost and improve your credit score. Here we have listed the best lifetime free credit cards in India.

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1. IDFC First Bank Credit Cards IDFC First Bank credit cards are one of the best lifetime free credit cards today in the market. All four variants (Millennia, Select, Classic and Wealth) are LTF and offer the same rewards. The cards also offer complimentary railway/airport lounge access, and roadside assistance among other benefits.

2. Amazon Pay ICICI Bank Credit Card Amazon Pay ICICI Bank credit card is one of the best for Amazon purchases. If offers between 2% to 5% unlimited rewards on Amazon spends and 1% on all other spends. The unlimited rewards can add up to a significant amount for Amazon purchases alone. If you don’t have Infinia/DCB, this is the card to have for Amazon India shopping.

3. HDFC Bank Millennia/Regalia Credit Card This one is not LTF as per product info but is issued LTF in most cases. HDFC Bank Millennia and Regalia credit cards carry an annual fee but can be LTF with two conditions. It can be a Smartpay registration or a one-time spend amount for the first 90 days.

4. RBL Zomato Edition Classic Credit Card Most of the RBL Bank credit cards are not that great in rewards and can be avoided. But, the co-branded RBL Zomato Edition Classic credit card is a good one to have. It offers 5% unlimited rewards on Zomato spends and a whopping 10% rewards on all birthday spends.

5. HSBC Visa Platinum Credit Card An entry-level lifetime free card that has Airmiles as a redemption option? Good to be true but we have the HSBC Platinum credit card with just that. The USP of this card is reward redemption for Airmiles and Hotel Loyalty memberships.

Flipkart Axis Bank Credit Card 5% cashback on Flipkart, Myntra 2GUD, 4% Cashback on Preferred Merchants, 1.5% Cashback on all other categoriesUp to Rs. 1000 off on Mantra as Welcome DelightsComplimentary Lounge visits to select Airport Lounges within India per Calendar quarterOn any transaction over Rs. 2,500, convert these purchases to EMIIndulge in delectable cuisines up to 20% off at partnered restaurants in India.

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