Card deatils are required for free account as well?

I am having 0.0 credit in my openAI account and need to use audio to text converter API.
Do we need still some amount or do we have to add card details for free account?

When no card is added , I am getting below error

openai.RateLimitError: Error code: 429 - {‘error’: {‘message’: ‘You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs:’, ‘type’: ‘insufficient_quota’, ‘param’: None, ‘code’: ‘insufficient_quota’}}(env) PS


The confusion likely stems from the fact that ‘Free’ refers to using ChatGPT only.

If you want to use the API there are no free credits and no ‘free’ accounts for that matter.
You need to purchase credits in order to use the API. There are no more free credits for new accounts.

Hope this helps!


For free account there are no cards required. Basically as per the error code documentation, this error means that either you’ve shared this account with some one else and the free credits got exhausted or submitted too many tokens or requests in a short period of time and have exceeded the number of requests allowed or you are using a loop or a script that makes frequent or concurrent requests. You can see this information on :

You can check your free credits from link:

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I hit only 2-3 times when card was not added still why limit crossed.
I did not share my details to anyone.
Anyways after card details I can hit the APIs and got the response.
Thanks for your prompt reply…