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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Zero Forex Markup Current Account
Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Quantum+ Credit Card
Assured Cashback Lifetime Free -
Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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Hello Cashback
Cashback UPI-ready Assured
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Gaj: Credit Card
Invite Only Zero Forex ₹12,500
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Diamond Reserve
Zero Forex Travel ₹3,000
Enjoy Zero Forex on all IDFC FIRST Bank Credit Cards
Save more on all international spends
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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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FIRST Corporate
Lifetime free Travel
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FIRST Purchase
Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards Zero Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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UPI-ready Lifetime Free Low APR
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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FIRST Digital
Virtual UPI ₹199
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Hello Cashback
Cashback UPI-ready FD-Backed
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FIRST EARN
Virtual FD-Backed 1% Cashback
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FIRST Power & Power+
Rewards UPI ₹199
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FIRST WOW! Black
FD-Backed Virtual Travel
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IndiGo IDFC FIRST Dual Card
Travel Lifestyle ₹4,999
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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FIRST Corporate
Lifetime free Travel
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Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards Zero Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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What is a Lifetime Free Credit Card?
A lifetime-free credit card is a card with zero joining fee and zero annual fee. Whether you are
a salaried professional, self-employed individual, frequent traveller, or a first-time credit card
user, IDFC FIRST Bank offers a range of lifetime-free credit cards designed to suit different
spending needs.
Depending on the card, you can enjoy benefits such as Zero Forex markup, reward points,
cashback, airport lounge access, low interest rates, EMI options, and offers on everyday and
online spends.
Read more
Best lifetime free credit cards
by IDFC FIRST Bank
Best For:
First-time credit card users and everyday spenders
Min Income:
Annual ₹3 Lakh or more
Key Benefits:
- 10X Reward Points on dining, travel, and international spends
- 3X Reward Points on everyday spends
- Zero Forex Markup on international spends
- Welcome benefits worth ₹1,500
- 25% off movies (up to ₹100/month) via District by Zomato
- 4 railway lounge visits per quarter
- Roadside Assistance worth ₹1,399
- 1% fuel surcharge waiver up to ₹200/month
- ₹2 lakh Personal Accident Cover, ₹25,000 Lost Card Liability
Best For:
Young professionals and lifestyle-focused users.
Min Income:
Annual ₹3 Lakh or more.
Key Benefits:
- 10X Reward Points on dining, travel, and international spends
- 3X Reward Points on everyday purchases
- Zero Forex Markup on international spends
- 25% off movies (up to ₹100/month) via District app
- Welcome benefits worth ₹1,5000
- Up to 20% off at 1,500+ restaurants & up to 15% off at 3,000+ health and wellness outlets
- 4 railway lounge visits per quarter
- 1% fuel surcharge waiver up to ₹200/month
- Interest-free ATM withdrawals for up to 45 days (nominal fee applies)
- Roadside Assistance and ₹2 lakh Personal Accident Cover
Best For:
Frequent domestic travellers and high spenders.
Min Income:
Annual ₹12 Lakh or more.
Key Benefits:
- 10X Reward Points on dining, travel, and international spends and spends done on birthday
- 3X Reward Points on everyday purchases
- Zero Forex Markup on international spends
- Buy-One-Get-One movie offer twice a month, discounts up to ₹250 via District app
- Complimentary domestic airport lounge visit and 4 railway lounge visits per quarter
- Interest-free ATM withdrawals for up to 45 days (nominal fee applies)
- Access to 300+ merchant offers across shopping, dining, and travel
- ₹1 crore Air Accident, ₹5 lakh Personal Accident, ₹50,000 Lost Card Liability Cover
Best For:
For those who expect the best for travel and lifestyle.
Min Income:
Annual ₹36 Lakh or more
Key Benefits:
- 10X Reward Points on dining, travel, and international spends
- 3X Reward Points on everyday spends
- Zero Forex Markup on all international transactions
- Buy-One-Get-One movie offer with discounts up to ₹250, twice a month
- 1 complimentary domestic and 1 international airport lounge visits per quarter, plus 4 railway lounge visits
- 2 complimentary golf rounds or golf lessons every month
- Complimentary Roadside Assistance and premium insurance cover, including ₹1 crore Air Accident Cover
- 1% fuel surcharge waiver up to ₹400 per month
Best For:
New-to-credit users and international spenders.
Minimum FD:
₹20,000
Key Benefits:
- Lifetime free credit card backed by Fixed Deposit.
- Zero forex markup fees on international spends
- Earn up to 4X Reward Points on domestic and international spends
- Interest-free ATM cash withdrawals for up to 45 days (nominal fee applicable), up to 100% of the credit limit
- ₹2 lakh Personal Accident Cover.
- Assured access to credit
- 100% credit limit of the FD amount
Best for:
First-time credit card users seeking early access to credit
Minimum FD:
₹5,000
Key Benefits:
- Lifetime free credit card backed by Fixed Deposit
- Earn up to 2% Cashback on online spends
- UPI-ready credit card, enabling 1% cashback on UPI spends via IDFC FIRST Bank mobile app
- 1% cashback on in-store spends
- Zero Forex Markup on international spends
- Low entry barrier with FD starting as low as ₹5,000
Why IDFC FIRST Lifetime Free
Credit Cards Stand Out
Free Credit Card for Life
Zero joining fee and zero annual fee on all IDFC FIRST lifetime free credit cards.
Up to 10X Reward Points
Earn reward points on UPI, utility bills, insurance, shopping, dining, travel and more.
Interest-Free ATM Withdrawals
Selected cards offer interest-free cash withdrawals for a limited period.
Low Credit Card Interest Rate
IDFC FIRST Bank offers one of the lowest credit card interest rates in India.
Lifetime Free Credit Cards Comparison
Looking for the best lifetime free credit card in India? Here are IDFC FIRST Bank lifetime free credit cards made for every lifestyle.
FIRST Classic Credit Card
FIRST Millennia Credit Card
FIRST Select Credit Card
FIRST Wealth Credit Card
FIRST WOW! Credit Card
Quantum+ Credit Card
Joining Fee/Annual Fee
₹0
₹0
₹0
₹0
₹0
₹0
Rewards
- 10X Reward Points on lifestyle spends*
- 3X Reward Points on everyday spends
- 1X Reward Point on utility, insurance, railway and FASTag*
- 10X reward points on lifestyle spends*
- 3X Reward points on everyday spends
- 1X Reward point on utility, insurance, railway and FASTag*
- 10X reward points on lifestyle spends*
- 3X Reward points on everyday spends
- 1X Reward point on utility, insurance, railway and FASTag*
- 10X reward points on lifestyle spends*
- 3X Reward points on everyday spends
- 1X Reward point on utility, insurance, railway and FASTag*
- 4X Reward Points on online, offline, and international spends
- Up to 2% cashback on online spends
- 1% Cashback on UPI spends done via Bank app & in-store purchases
- 0.5% cashback on select category spends
Airport Lounge access
NA
NA
1 domestic airport lounge per quarter
Airport lounge access - visits/quarter 1 Domestic 1 International
NA
NA
Railway lounge access
4 complimentary visits to select Indian railway lounges*
4 complimentary visits to select Indian railway lounges*
4 complimentary visits to select Indian railway lounges*
4 complimentary visits to select Indian railway lounges*
NA
NA
Forex Markup
ZERO
ZERO
ZERO
ZERO
ZERO
ZERO
- 1X Reward Points apply on utility bill payments, insurance premium payments, railway bookings and FASTag recharges
- 10X Reward Points apply on Dining, Travel and International spends, and on all eligible spends made on the cardholder's birthday
- The 4 complimentary visits to select railway lounges in India are subject to spends of ₹20,000 or more in the previous calendar month
- Select categories include utility bills, wallet loads, insurance, jewellery, government services and rent
Which IDFC FIRST Lifetime Free Card
is Right for You?
You qualify for the IDFC FIRST Classic or FIRST Millennia. Both are credit cards without annual fee and joining fee and let you earn 10x reward points from the very first use.
- FIRST Classic is one of the best credit cards for first time users.
- FIRST Millennia if you are looking for more lifestyle benefits such as dining, movies, shopping.
At this bracket, IDFC FIRST Select is your card.
- 1 free domestic airport lounge visit every quarter, at zero annual fee.
- Forex markup drops to 1.99% on international spends.
- Save more on every purchase or trip abroad.
- Buy 1 Get 1 on movie tickets, twice a month.
The IDFC FIRST Wealth gives you premium benefits at zero annual fee, something no other bank offers at this level.
- Airport lounge access - 1 domestic and 1 international trip covered.
- Complimentary golf at select courses across India.
- 1.5% forex markup - among the lowest for a free card.
- Buy 1 Get 1 on movie tickets twice a month.
The IDFC FIRST WOW! and Quantum+ Credit Card is built for you.
- No income proof or credit score needed.
- FD requirement for Quantum+ is as low as ₹5,000 and ₹20,000 for FIRST WOW.
- 100% of your FD amount becomes your credit limit, usable for daily spends, while your FD keeps earning interest.
- 0% forex markup, earn rewards (4X on FIRST WOW) and cashback (up to 2% on online spends on Quantum+) on eligible spends
Who can get IDFC FIRST Bank
Lifetime Free Credit Cards?
IDFC FIRST Bank Lifetime Free Credit Card Eligibility
Residents of India
Valid Aadhar and PAN for VKYC
Eligibility Criteria by Card Variant
- Minimum Age: 21+
- Min Income/FD: Annual income ₹3 Lakh or more
- Minimum Age: 21+
- Min Income/FD: Annual income ₹3 Lakh or more
- Minimum Age: 21+ Min Income/FD: Annual income ₹12 Lakh or more
- Minimum age : 21+
- Eligibility : Annual income ₹36 Lakh or more
- Minimum age : 18+ Eligibility : Create or link an FD of at least ₹20,000
- Minimum age : 18+ Eligibility : Create or link an FD of at least ₹5,000
How to Apply
Step 1
Enter your details
Step 2
Create or link an FD online
Step 3
Complete your VKYC
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Frequently Asked Questions About IDFC
FIRST Lifetime Free Credit Cards
What is the minimum salary required for IDFC FIRST credit card?
FIRST Classic and First Millennia need ₹3 lakh annual income, FIRST Select needs ₹12 lakh, and FIRST Wealth needs ₹36 lakh. No income proof is needed for the FIRST WOW! Card, just a ₹20,000 fixed deposit.
Which is the right lifetime free credit card for self-employed?
If you have ITR, you can apply for FIRST Classic, FIRST Millennia, FIRST Select, or FIRST Wealth. Without ITR, the FIRST WOW! Card works with just a ₹20,000 fixed deposit and no income proof.
Do IDFC FIRST Lifetime Free Credit Card reward points expire?
Reward Points on IDFC FIRST Bank Lifetime Free Credit Cards are valid for 24 months.
Which IDFC FIRST card gives complimentary airport lounge access?
Select gives 1 domestic lounge visit per quarter, and Wealth gives 1 domestic and 1 international visit per quarter. Classic, Millennia, and WOW! do not include airport lounge access.
Can I get an IDFC FIRST credit card without a credit score?
Yes, the FIRST WOW! Card requires no credit score, salary slip, or income proof. Just open a ₹20,000 fixed deposit with IDFC FIRST Bank and that becomes your credit limit.
What is the reward point value on IDFC FIRST credit cards?
1 reward point is worth ₹0.25 and can be redeemed against purchases, travel, and more via the IDFC FIRST Bank app.
Can I earn rewards on UPI payments with IDFC FIRST credit card?
Yes, you earn reward points on UPI payments along with shopping, dining, travel, utility bills, and insurance spends.
How long does it take to get the IDFC FIRST credit card after approval?
Your physical card arrives within 7 to 10 working days. You may get a virtual card instantly on the IDFC FIRST Bank app for online use in the meantime.
What is the interest rate on IDFC FIRST lifetime free credit cards?
IDFC FIRST Bank offers one of the lowest credit card interest rates in India. Check your card's MITC or the website for the exact rate applicable to your variant.
Can self-employed individuals apply for IDFC FIRST credit card?
Yes, self-employed individuals can apply using ITR as income proof for Classic, Millennia, Select, or Wealth. Without ITR, the WOW! Card is available against a ₹20,000 fixed deposit.
Do lifetime free credit cards from IDFC FIRST Bank charge a forex markup fee?
No. IDFC FIRST Bank credit cards carry zero forex markup, so you pay no extra fee on international transactions, whetheryou're travelling abroad or shopping on a foreign website. Currency conversion at the network's exchange rate and anyapplicable taxes still apply.
Is a lifetime free credit card really free forever, or are there hidden charges?
Yes, there is no joining or annual fee, ever. Interest on unpaid dues, late payment fees, cash advance fees can still apply. Payin full and on time, and the card costs nothing.
What documents are required to apply for a lifetime free credit card?
Typically a PAN, identity and address proof, and a photograph. Income proof is needed for Unsecured cards (FIRST Classic,FIRST Select, FIRST Millennia, FIRST Wealth) and an FD is to be created for secured variants (FIRST WOW and Quantum+).Approval is at the bank's discretion.
Can I upgrade my lifetime free credit card to a premium card later?
You may be eligible, based on your repayment history, spending and relationship with the bank.
What's the difference between a lifetime free credit card and a first-year-free or paid annual-fee credit card?
A lifetime free card never charges a joining or annual fee. A first-year-free card waives the fee only in year one. A paid cardcharges every year, often with a spend-based waiver.
Does IDFC FIRST charge any fee for cash withdrawal on lifetime free credit cards?
Yes, a flat cash advance fee of ₹199 + GST per transaction applies on cards like FIRST Classic and FIRST Millennia, whateverthe amount. Withdrawals are interest-free for up to 48 days. Check your card's MITC for its exact fee.
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