IDFC First Bank Lifetime Free Credit Cards

IDFC FIRST Bank offers a range of lifetime free credit cards suited to the needs of beginners as well as high-spenders. These cards come with a spend-based rewards program along with benefits like complimentary lounge access, discount on movie tickets, golf access and zero forex mark-up fee on international transactions. Here is all you need to know about IDFC Lifetime Free Credit Cards.

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What are IDFC FIRST lifetime free credit cards?

IDFC FIRST Credit Cards that do not come with any joining or annual fee are known as lifetime free cards. Unlike first-year-free cards that are free only for the year you get the card, lifetime free credit cards do not charge any fee as long as you hold the card.

Features and Benefits of IDFC Lifetime Free Credit Cards

Given below are the key features and benefits of IDFC lifetime free credit cards.

IDFC FIRST Wealth Credit Card

Welcome gift voucher worth Rs. 500 on spending Rs. 5,000 within the first 30 days
10 reward points per Rs. 200 on dining, travel and international transactions
3 reward points per Rs. 200 on all other online and offline spend
20% bonus rewards on hotel bookings and 10% on flight bookings on ‘Travel & Shop’ on IDFC FIRST app
Zero forex mark-up on international transactions
1 complimentary domestic and 1 complimentary international airport lounge visit per quarter
Buy One Get One offer on District movie tickets up to Rs. 250 per month
1 complimentary golf round/lesson per quarter
1 complimentary airport meet & greet service per year and 10% discount on additional services
Free 3rd night stay or 50% off on 2nd night stay at ITC Hotels and Elivaas properties

IDFC FIRST Select Credit Card

10 reward points per Rs. 200 on travel, dining, international and birthday spends
3 reward points per Rs. 200 on other categories
20% bonus rewards on hotel bookings and 10% on flight bookings on ‘Travel & Shop’ on IDFC FIRST app
500 welcome gift voucher on spending Rs. 5,000 in the first 30 days
5% cashback up to Rs. 1,000 on first EMI transaction done within 30 days
1 complimentary domestic lounge visit per quarter
Zero forex mark-up fee
Buy 1 and get up to Rs. 125 off on the 2nd movie ticket on District twice a month

IDFC FIRST Millennia Credit Card

10 reward points per Rs. 200 on dining, travel and international spends
3 reward points per Rs. 200 on other eligible online and offline spends
20% bonus rewards on hotels and 10% on flight bookings through IDFC FIRST app
Zero forex mark-up fee on international transactions
25% discount up to Rs. 100 on District movie tickets
4 complimentary railway lounge visits every quarter

IDFC FIRST Classic Credit Card

10 reward points per Rs. 200 on dining, travel and international spends
3 reward points per Rs. 200 on other online and offline spends
20% bonus rewards on hotels and 8% on flight bookings through IDFC FIRST app
25% discount up to Rs. 100 on District movie tickets
4 complimentary railway lounge visits every quarter
Zero forex mark-up fee on international transactions

IDFC FIRST WOW! Credit Card

Lifetime free FD Credit Card backed by a fixed deposit of Rs. 20,000 or more
4 reward points per Rs. 200 spent on eligible online, offline and international spends
1 reward point per Rs. 200 on other categories
10% bonus rewards on hotels and 5% on flight bookings through the IDFC FIRST app
Zero forex mark-up fee on transactions made in foreign currency

IDFC FIRST Quantum+ Credit Card

Secured credit card backed by a fixed deposit of Rs. 10,000 or more
2% cashback on online spends above Rs. 10,000 per month
1% cashback on online spends below Rs. 10,000 per month
1% cashback on UPI scan and pay transactions via IDFC FIRST Bank Mobile App and on in-store transactions
1% cashback on in-store transactions
Zero forex mark-up fee

Note: You can also get a Digital RuPay Credit Card with your IDFC FIRST Lifetime Free Credit Card.

Eligibility Criteria for IDFC FIRST Lifetime Free Credit Cards

To be eligible for IDFC lifetime free credit cards, you must be aged between 21 and 65 years, be salaried or self-employed and have a stable income. The minimum income requirement, however, varies as per card type. The table below shows the minimum income required:

Credit Card	Minimum Income/FD
IDFC FIRST Wealth Credit Card	Rs. 36 Lakh per annum
IDFC FIRST Select Credit Card	Rs. 12 Lakh per annum
IDFC FIRST Millennia Credit Card	Rs. 3 Lakh per annum
IDFC FIRST Classic Credit Card	Rs. 3 Lakh per annum
IDFC FIRST WOW! Credit Card	FD of Rs. 20,000 or more
IDFC FIRST Quantum+ Credit Card	FD of Rs. 10,000 or more

IDFC Lifetime Free Credit Card Fees and Charges

Though lifetime free credit cards from IDFC FIRST Bank do not charge any joining or annual fee, there are some other fees and charges applicable on the card that consumers should be aware of.

Fee/Charge	Amount/Rate
Finance Charges	0.71% to 3.99% per month (8.5% to 47.88% p.a.)
Late Payment Fee	15% of the total amount due, subject to a min. of Rs. 100 and a max. of Rs. 1,300
Cash Advance Fee	Rs. 199
Overlimit Charges	2.5% of the overlimit amount (min. Rs. 550)
Reward Redemption Fee	Rs. 99 per redemption
Return of Cheque	2% of payment amount subject to min. Rs. 500
Card Replacement Fee	Rs. 199

How to Apply for IDFC FIRST Lifetime Free Credit Card?

You can apply for IDFC FIRST Lifetime Free Credit Card through Paisabazaar by following the steps given below:

Enter your mobile number on the form above to start the credit card application process.
Enter the OTP received on your mobile number.
Check the pre-qualified credit card offers shown on the screen and select the preferred IDFC FIRST free credit card
Apply by uploading the required documents for further processing and submit your credit card application.

Once submitted, your application will be processed and you will get your credit card within 3-5 working days.

Lifetime Free Credit Cards from Other Card Issuers

Credit Card	Highlight 1	Highlight 2	Highlight 3
Axis Neo Credit Card	Discount offers on top shopping platforms	Rs. 120 off on Zomato, 10% off on Blinkit	Up to Rs. 100 off on BookMyShow per month
Federal Bank Scapia Credit Card	Unlimited domestic airport lounge access	Up to 20% Scapia coins on card spends	No forex mark-up on international spends
CheQ AU Credit Card	6% back as CheQ Points on everyday brands	2.5% back on dining, groceries & more	RuPay Card with 1.25% back on UPI spends
Fibe Axis Bank Credit Card	Up to 3% value-back on online food delivery and local commute	Up to 4 domestic lounge visits in a year	Up to 15% off on dining capped at Rs. 500
ixigo AU Credit Card	Zero forex mark-up charges	Up to 10% off on travel via ixigo	Up to 5% rewards on spends
IndusInd Bank Legend Credit Card	Low forex markup fee of 1.8%	Up to 2 reward points for every Rs. 100 spent	Buy one get one offer via BookMyShow
HSBC Visa Platinum Credit Card	Up to 6X reward points on travel	2 reward points per Rs. 150 spent	Save Rs. 3,000 yearly on fuel

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Does IDFC FIRST Lifetime Free Credit Card have an annual spending requirement?

No, IDFC FIRST lifetime-free credit cards do not have a minimum annual spending requirement to waive the joining or annual fee. Eligible cards, such as FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth and FIRST WOW!, offer lifetime-free benefits without spend-based fee waiver conditions. However, certain rewards, welcome offers and other benefits may require you to meet specific spending criteria.

Which IDFC FIRST credit card is best without an annual fee?

IDFC FIRST Bank offers several lifetime-free credit cards, and the best option depends on your spending habits and preferred benefits. FIRST Classic is suitable for everyday spending, FIRST Millennia offers lifestyle benefits, FIRST Select is suited to frequent travellers, and FIRST Wealth caters to premium lifestyle needs. FIRST WOW! is an FD-backed option for those looking to build their credit history. Compare the features, eligibility criteria and benefits of each card before applying.

How do I know if my IDFC FIRST credit card is lifetime free?

You can check whether your IDFC FIRST credit card is lifetime free by reviewing your card's welcome letter, sanction details, and applicable fee schedule. You can also check the card variant and its joining and annual fees on the official IDFC FIRST Bank website.

Can an existing IDFC FIRST Credit card be converted to lifetime free?

Converting an existing fee-based IDFC FIRST credit card to a lifetime-free variant depends on the bank's policies, your card type and the offers available to you. Contact IDFC FIRST Bank customer care to check whether your existing card is eligible for conversion or a fee waiver.

Does getting an LTF IDFC FIRST Credit Card affect my CIBIL Score?

Applying for a lifetime-free IDFC FIRST credit card may lead to a temporary dip in your CIBIL score if the bank makes a hard inquiry into your credit report. The lifetime-free status itself does not negatively affect your score. Once approved, the card can help you build a positive credit history if you pay your bills on time, maintain a low credit utilisation ratio and manage your credit responsibly.