By Ankur Mittal
Updated On June 23, 2023

The IDFC First Bank started operations in 2015 and it provides various services to customers including a decent range of credit cards. You can find both premium as well as entry-level cards by the bank, all of which offer great privileges across multiple spend categories. The best part about their credit cards is that you can get their cards at minimum charges.

Almost all the cards provided by IDFC First Bank are lifetime free without any joining or annual fees. The super-premium First Private credit card charges an annual fee of Rs. 50,000, and the two co-branded fuel credit cards by IDFC and HPCL charge a nominal joining fee. All other credit cads by the bank are lifetime free.

IDFC lifetime free credit card

In this article, we will talk about the IDFC First Bank lifetime free credit cards, their features and benefits, and everything related to them.

Table of Contents

IDFC First Bank Lifetime Free Credit Cards

The following are the best lifetime free credit cards offered by IDFC First Bank –

IDFC FIRST Millennia Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation

A decent entre-level offering by IDFC Bank, the first Millennia credit card is lifetime free card without any joining or annual fee. The reward rate on this card is great and offers up to 10x reward points that do not have an expiry date and can be redeemed whenever you want. For a comfortable travel experience, you get complimentary railway lounge access and complimentary roadside assistance as well. Moreover, you get access to exclusive movie and dining benefits, insurance, fuel surcharge waiver, and much more.

  • Lifetime free credit card with no joining or annual fee
  • Rs. 500 worth gift voucher on spending Rs. 15,000 or more, and 5% cashback up to Rs. 1000 on the 1st EMI transaction within 90 days of card issuance as welcome benefit
  • 10x reward points per Rs. 150 on spends of above Rs. 20,000 and all spends on your birthday
  • 6x RPs per Rs. 150 on online spends and 3x RPs on offline spends
  • 25% off on movie tickets on Paytm up to Rs. 100, valid once every month
  • Up to 20% off at over 1500 partner restaurants across the country
  • 4 complimentary railway lounge access per quarter
  • Rs. 1399 worth complimentary roadside assistance
  • 1% fuel surcharge waiver up to Rs. 200 per month

IDFC First Select Credit Card

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.

The IDFC First Select credit card is a premium offering by the bank and this is a lifetime free card without any joining or annual charges. As a welcome benefit, you get a Rs. 500 worth gift voucher and up to 5% cashback on your first EMI transaction with the card. You can earn up to 10x reward points on your spends and these are non-expiring points which can be redeemed against a host of products, vouchers, and more. The card offers access to railway and airport lounges for a comfortable travel experience along with several movie and dining benefits. Forex markup charges on the card are also low at 1.99% of the transaction amount.

  • Rs. 500 worth gift voucher and up to 5% cashback on first EMI transaction as welcome benefit
  • 10x RPs per Rs. 125 spent on purchases of Rs. 25000 and above
  • 10x RPs per Rs. 125 spent on your birthday
  • 6x RPs per Rs. 125 on online spends and 3x RPs per Rs. 125 spent offline
  • BOGO offer on movie tickets through Paytm app, up to Rs. 250, twice every month
  • Exclusive offers at 300+ merchants and up to 15% off at over 3000 health and wellness outlets
  • Up to 20% off at more than 1500 restaurants
  • 4 complimentary domestic airport lounge visits on spends of Rs. 5000 per month and 4 complimentary railway lounge access
  • Complimentary roadside assistance and 1% fuel surcharge waiver
  • Low forex markup fee of 1.99%

IDFC FIRST Classic Credit Card

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.

Another great lifetime free card issued by IDFC Bank, the First Classic credit card does not charge any joining fee and features a host of benefits across multiple spend categories. The reward rate on the card is great where you can earn up to 10x reward points on your spends and can redeem the points against various products and vouchers. The card offers discounts on dining, movie tickets, complimentary roadside assistance, insurance perks, and much more. You can also enjoy 15% discount at 3000+ health and wellness stores and exclusive offers at various partner merchants.

  • Rs. 500 worth gift voucher and up to 5% cashback on first EMI transaction as welcome benefit
  • 10x RPs per Rs. 150 spent on purchases of Rs. 20000 and above
  • 10x RPs per Rs. 150 spent on your birthday
  • 6x RPs per Rs. 150 on online spends and 3x RPs per Rs. 150 spent offline
  • Exclusive offers at 300+ merchants and up to 15% off at over 3000 health and wellness outlets
  • Up to 20% off at more than 1500 restaurants
  • 25% off on movie tickets on Paytm app, up to Rs. 100
  • 1% fuel surcharge waiver

IDFC FIRST Wealth Credit Card

(4.8/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

The IDFC First Wealth credit card is a lifetime free card and is a premium offering packed with privileges and benefits for the cardholder. You can benefit from the low interest rate on the card ranging from 0.75 to 3.5% and its low forex markup fee of 1.5% of the transaction amount. The reward rate on the card is decent where you can earn up to 10x reward points that never expire. You get access to both international and domestic airport lounges along with spa visits per quarter. Another premium feature on the card is the CFAR insurance where you can get a cover of up to Rs. 10,000 on cancelling your flight/hotel bookings, twice per year.

  • Rs. 500 worth gift voucher and up to 5% cashback on first EMI transaction as welcome benefit
  • 10x RPs per Rs. 100 spent on purchases of Rs. 30000 and above
  • 10x RPs per Rs. 100 spent on your birthday
  • 6x RPs per Rs. 100 on online spends and 3x RPs per Rs. 100 spent offline
  • Exclusive offers at 300+ merchants and up to 15% off at over 3000 health and wellness outlets
  • Up to 20% off at more than 1500 restaurants
  • 4 complimentary international and domestic lounge visits and spa visits per quarter
  • CFAR insurance cover up to Rs. 10,000 on hotel/flight cancellation
  • 2 complimentary golf rounds per month
  • Complimentary roadside assistance and 1% fuel surcharge waiver
  • Low forex markup fee of 1.5% of the transaction amount

IDFC FIRST WoW Credit Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Dining

Reward Type

Reward Points

Welcome Benefits

Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.

The IDFC First WoW credit card is a lifetime free card without any joining fee but it is secured offering and you must have a fixed deposit of at least Rs. 5000 with the bank to get this credit card. The card offers up to 4 reward points per Rs. 150 spent and the never-expiring reward points can be redeemed against a variety of products, vouchers, and more. You can avail complimentary roadside assistance, discounts at various restaurants, health, and wellness outlets, fuel surcharge waiver, etc. Also, the card does not charge a forex markup fee on international transactions.

  • Lifetime free secured credit card
  • 4x reward points per Rs. 150 spent
  • 5% cashback up to Rs. 1000 on your 1st EMI transaction
  • Up to 15% off at over 3000 health and wellness outlets
  • Up to 20% off at more than 1500 restaurants
  • Complimentary roadside assistance and 1% fuel surcharge waiver
  • Zero forex markup fee on international transactions

IDFC First Bank Credit Cards – Joining Fee Under Rs. 500

We read about the lifetime free credit cards offered by IDFC First Bank above. Next, we will talk about the credit cards offered by the bank which have a joining fee of Rs. 500 or below.

First-power

(4.6/5)

Fees

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

NA

HPCL and IDFC First bank partnered to launch two co-branded fuel credit cards, powered by the RuPay network. The First Power card is the basic variant which has a joining fee of Rs. 199. You can save around Rs. 7000 with the card per year and purchase around 65 litres of fuel with it. You get welcome benefits worth up to Rs. 1400 with the card and rewards on using HP Pay app at HPCL fuel outlets. Also, you get reward points on referring your friends and family for the card.

  • Save 5% on fuel spends up to Rs. 5000 per month
  • Save 2.5% on grocery and utility bill spends up to Rs. 4000 per month
  • Save 2.5% on IDFC FASTag recharge up to Rs. 2000 per month
  • 2x RPs on other retail spends
  • Cashback up to Rs. 250 on the 1st HPCL transaction of Rs. 250 or above
  • Up to Rs. 150 discount on Swiggy orders above Rs. 500
  • Up to 50% off on car rentals with Eco Rent A Car and EuroCard
  • Rs. 1399 worth complimentary roadside assistance
  • Earn a maximum of 10,000 RPs on referring friends and family members for the card

First-power-plus

(4.6/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.

The First Power Plus credit card is the premium variant out of the two fuel co-branded cards by HPCL and IDFC First Bank. You can make savings of Rs. 18,500 annually and purchase around 175 litres of free fuel. The card charges a joining fee of Rs. 499 and you get welcome benefits worth Rs. 1650 with it. You can earn cashback on your fuel, grocery, utility bills, and all other spends. Some other privileges include complimentary lounge access, roadside assistance, movie ticket discounts, and more.

  • Save up to 6.5% on your fuel spends that include HPCL fuel and LPG spends, HP Pay app fuel payments, and 1% fuel surcharge waiver
  • Save up to 5% on grocery bills and utility spends and 5% on IDFC FASTag recharges
  • 3x reward points on other retail spends
  • Up to Rs. 500 cashback on 1st HPCL transaction of Rs. 500 or more
  • Up to Rs. 150 discount on Swiggy orders above Rs. 500
  • Up to Rs. 500 discount on Zoomcar rentals
  • Up to 50% off on EuroCard and Eco Rent A Car rentals
  • Complimentary domestic airport lounge access
  • Up to 25% discount on movie tickets

How to Apply for IDFC First Bank Credit Cards

Follow these steps to apply for IDFC First Bank credit cards –

  • Visit the official website of IDFC First Bank.
  • Click on the Credit Cards option.
  • Click on the credit card which you want to apply for
  • Go through the features and other information of the credit card
  • Click on Apply Now and enter all the details required to submit your application

Eligibility Criteria and Documents Required

Make sure you meet the following eligibility criteria before applying for IDFC First Bank credit cards –

  • The applicant must be a citizen of India
  • The applicant must be at least 21 years of age
  • The applicant must have a decent credit score.
  • The applicant must have a stable source of income

The following documents need to be submitted when applying for IDFC First Bank credit cards –

ID Proof– Aadhar Card, PAN Card, Driver’s License, Passport, etc.

Address Proof – Aadhar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.

Income Proof – Salaried individuals need to provide the latest months’ salary slips and bank statements. Self-employed individuals need to provide their audited ITR of the previous year.

Credit Card Comparison

The following tables features a comparison between IDFC First Bank lifetime free credit cards –

Category IDFC First Wealth Credit Card IDFC First Select Credit Card IDFC First WoW Credit Card IDFC First Millennia Credit Card
Joining/Annual Fee Nil Nil Nil Nil
Welcome Benefit Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction as welcome benefit   Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction as welcome benefit   Up to 5% cashback, up to Rs. 1000, on the first EMI transaction   Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction as welcome benefit  
Reward Earning 6x RPs on online spends and 3x RPs on offline spends up to Rs. 30,000 10x RPs on spends of Rs. 30,000 and above 10x RPs on spends on your birthday 6x RPs per Rs. 125 on online spends and 3x RPs per Rs. 125 spent offline 10x RPs per Rs. 125 spent on purchases of Rs. 25000 and above 10x RPs per Rs. 125 spent on your birthday     4x RPs per Rs. 150 spent 10x reward points per Rs. 150 on spends of above Rs. 20,000 and all spends on your birthday 6x RPs per Rs. 150 on online spends and 3x RPs on offline spends  
Reward Redemption 1 Reward Point = Re. 0.25 for redemption against various gift vouchers 1 Reward Point = Re. 0.25 for redemption against various gift vouchers 1 Reward Point = Re. 0.25 for redemption against various gift vouchers 1 Reward Point = Re. 0.25 for redemption against various gift vouchers
Dining/Movie Benefits BOGO offer up to Rs. 500 on movie ticket via Paytm. Up to 20% off at over 1500 restaurants BOGO offer up to Rs. 250 on movie ticket via Paytm. Up to 20% off at over 1500 restaurants Up to 20% off at more than 1500 restaurants 25% off on movie tickets on Paytm up to Rs. 100, valid once every month Up to 20% off at over 1500 partner restaurants across the country  
Travel Benefits 4 complimentary domestic and international lounge access plus spa visits Complimentary railway and airport lounge access per quarter Airport transfers and meet & greet service Premium benefits at over 900 luxury hotels globally   NA 4 complimentary railway lounge access per quarter

Bottom Line

Unlike most other credit card issuers in the country, almost all the credit cards offered by IDFC First Bank are lifetime free. Just the IDFC First Private, IDFC HPCL First Power, and the IDFC HPCL First Power Plus credit cards charge a joining fee. You will find entry-level to premium credit cards by IDFC Bank without any joining or annual fees.

All of these cards are packed with exciting benefits and privileges for the cardholder. The IDFC First WoW, First Select, and First Wealth credit cards even have a forex markup fee lower than the standard 3.5%. Also, the reward points you earn on these credit cards do not expire and you can redeem them for a variety of products and vouchers.

FAQs:

Almost all the cards provided by IDFC First Bank are lifetime free without any joining or annual fees. The following are the best IDFC First Bank Lifetime Free credit cards – First Millennia, First Wealth, First Classic, First Select, and the First WoW credit cards.

Yes, the IDFC First WoW credit card is a secured credit card for which you have to make a fixed deposit of minimum Rs. 5000 with the IDFC First Bank in your name. The First WoW credit card is lifetime free and other than the FD amount, you don’t have to pay any joining or annual charges for the credit card. Another top feature of this card is that it does not charge any forex markup fee on your international spends.

Apart from the lifetime free cards, IDFC Bank has a super-premium First Private credit card with a high joining fee of Rs. 50,000. You cannot get a renewal fee waiver on the Private credit card. HPCL and IDFC Bank launched their two co-branded fuel credit cards, the First Power and First Power Plus credit card.

  • IDFC HPCL First Power Credit Card – Renewal fee waiver on spending Rs. 50,000 or more in the last year
  • IDFC HPCL First Power Plus Credit Card – Renewal fee waiver on spending Rs. 1.5 Lakhs or more in the last year.

Out of all the lifetime free credit cards offered by IDFC First Bank, the First Wealth credit card is the most premium card by the bank. Even though it does not charge any joining fee, it is packed with premium privileges and benefits for the cardholders. You get access to a high reward rate on your spends, complimentary international and domestic lounge access, complimentary golf rounds, and a low 1.5% forex markup fee with the First Wealth credit card.

The lifetime free credit cards by IDFC First Bank have a decent reward rate on almost every spend category. You even get bonus reward points on spends made on your birthday and the best part is that the reward points earned by you never expire. You can redeem the reward points as long as your credit card is active and working.