Lifetime-Free Credit Cards

An IDFC FIRST Bank lifetime free credit card means you pay absolutely no joining fees when you get the card and no annual maintenance fees, ever. Unlike standard credit cards that charge for renewal, our lifetime free cards deliver continuous value without any hidden costs. They are packed with benefits like never-expiring rewards, EMI options, and exclusive partner offers, making them perfect for both first-time users and seasoned spenders.

Yes, IDFC FIRST Bank’s lifetime-free credit cards provide high-value rewards and lifestyle benefits. Cardholders receive 10X rewards on spending above ₹20,000 and 3X reward points on spending below ₹20,000 in a billing cycle. Reward points do not have an expiry date and can be redeemed against purchases in several categories. Other advantages include a 1% fuel surcharge waiver, EMI conversion on shopping, and free railway lounge access. Companion offers on dining, shopping, and travel add value to the product too.

A good credit score enhances your prospects of getting IDFC FIRST Bank's lifetime-free credit card. Nevertheless, IDFC FIRST Bank also entertains new credit applicants based on parameters such as income, job stability, and repayment potential. We’re working towards offering financial inclusion so that even credit card novices can apply. An established banking relationship and a spotless repayment track record improve the chances of approval.

IDFC FIRST Bank permits existing users to apply for a lifetime-free credit card individually, but an upgrade from paid cards is subject to internal eligibility standards and current product availability. You can initiate an upgrade by contacting customer care or visiting the nearest office. If found eligible, the bank may offer a lifetime-free version or present promotional benefits. However, card benefits such as credit limits, rewards programs, and perks can differ. You can even keep your paid card and apply for a lifetime-free credit card and benefit from both cards combined.

IDFC FIRST Bank's lifetime-free credit cards have zero joining fee whatsoever. As soon as you apply and are approved for one, you will not be required to pay any upfront fees or renewal charges. This makes it a wise option for those who need credit card benefits without a recurring cost. The bank is transparent and offers users a chance to pay only for add-on services like markups in foreign currency or late payment charges if they use them.

IDFC FIRST Bank lifetime-free credit cards offer free airport lounge privileges on some variants. The FIRST Select Credit Card offers 2 complimentary domestic airport lounge visits every quarter. The FIRST Wealth Credit Card offers 2 complimentary visits to domestic and 2 visits to international airport lounges every quarter.

Yes, IDFC FIRST Bank’s lifetime-free credit cards can be used for international transactions following the activation of global usage through mobile apps or net banking. A foreign currency markup fee will be charged on such transactions, depending on the credit card. Though it works for international spending, the lifetime-free variants are more suited for local consumption due to the reward system and benefits.