American Express Credit card known as charge card means you have unlimited credit limit. None of the credit card is life time free but you will get more advantages than annual fees. With amex credit card you will get lounge access international as well as domestic on discounted rate and you can use these card any where in world.
EMI option is there for high value purchase.
5% cash back on make my trip.
Fuel surcharge waier+ cash back in some cards.
High security.
Online fraud gurranted.