The essentials at a glance
- Annual fee
- Lifetime free
- Best known for
- Lifetime FREE - No Joining or Annual fee
- Issuer & network
- IDFC FIRST Bank · Credit Card
- Eligibility snapshot
- Age: 21 to 65 years
Verify live fees, reward caps and eligibility with the issuer before applying.
What does the IDFC FIRST Credit Card offer?
IDFC FIRST Credit Card offers Lifetime FREE - No Joining or Annual fee.
- Lifetime FREE - No Joining or Annual fee
- Enjoy 0% forex markup fees on all international transactions
- Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
- Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend Rs 20,000 or more in the previous calendar month
- Spend Rs 5,000 within 30 days of card activation and receive a Rs 500 welcome voucher (choice of partner brands). Also get 5% cashback (up to Rs 1,000) on your first EMI transaction within 30 days of card activation
- Receive complimentary roadside assistance worth Rs 1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
- Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A Rs 99 + GST fee applies per redemption
- Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme
What are the fees and charges?
The currently listed fee information is shown below. Fee waivers and taxes may depend on spending or issuer conditions.
Joining FeeNil
Annual FeeNil
Who may be eligible for this card?
Eligibility is determined by the issuer and approval is not guaranteed. These are the available eligibility indicators for this offer.
- Age21 to 65 years
- EmploymentBoth salaried and self-employed individuals
- Salaried IncomeRs 25,000/monthly
- Self EmployedRs 3,00,000/annum
- Credit Score720+
Which documents may be required?
Document requirements can vary after the issuer checks your employment, address and application profile.
- ID ProofPAN Card/Form 60
- Address ProofAadhaar, Passport, or utility bills
- Income ProofBank statements or Salary slips
- PhotographRecent passport-sized photo
What should you check before applying?
Confirm the live issuer terms, especially reward exclusions, monthly or quarterly caps, milestone spending and fee-waiver requirements.
- Please use Aadhaar linked mobile number to fill the application
This page summarizes available offer information for easier comparison. It is not financial advice or an approval guarantee. Product terms can change, so verify the final details shown by the issuer during application.
