IDFC First Bank Lifetime Free Credit Cards

IDFC First Bank started operations in 2015 and provides a range of services to customers, including a decent selection of credit cards. You can find both premium and entry-level cards from the bank, all of which offer great privileges across multiple spend categories. The best part about their credit cards is that you can get them with minimal fees. IDFC Bank offers several lifetime free cards with no annual or joining charges.

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

IDFC Bank Lifetime Free Credit Cards

Table of Contents

List of 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

(4.6/5)

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IDFC FIRST Millennia Credit Card

  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForMovies | Shopping
  • Rewards TypeReward Points

Rewards Rate

10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation

A decent entry-level offering by IDFC Bank, the first Millennia credit card is a lifetime free card without any joining or annual fee. The reward rate on this card is great, offering up to 10x reward points with no expiry and redeemable 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.

IDFC FIRST Classic Credit Card

(4.5/5)

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IDFC FIRST Classic Credit Card

  • Joining FeeLifetime Free
  • Annual FeeLifetime Free
  • Best Suited ForTravel | Shopping
  • Rewards TypeReward Points

Rewards Rate

10X Reward Points Per ₹200 Spent on Dining, Travel & International Transactions | 3X Reward Points Per ₹200 on Other Eligible Spends | 1X Reward Point Per ₹200 on Insurance, Utilities, Railways, FASTag & UPI Spends Up to ₹2,000

Welcome Benefits

₹500 Welcome Gift Voucher on Spending ₹5,000 Within the First 30 Days + 5% Cashback on Your First EMI Transaction Done Within 30 Days of Card Generation

Another great lifetime free card issued by IDFC Bank, the First Classic credit card does not charge any joining fee. It 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 spending 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.

IDFC FIRST Select Credit Card

(4.4/5)

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IDFC FIRST Select Credit Card

  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForTravel | Shopping
  • Rewards TypeReward Points

Rewards Rate

10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions

Welcome Benefits

Vouchers worth ₹500 on spends of ₹5,000 within 30 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 from the bank, and it is a lifetime free card with no joining or annual charges. As a welcome benefit, you get a ₹500 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 that 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.

IDFC FIRST Wealth Credit Card

(4.5/5)

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IDFC FIRST Wealth Credit Card

  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForMovies | Travel | Shopping
  • Rewards TypeReward Points

Rewards Rate

Earn 10X Reward Points Per ₹200 on Dining, Travel & International Spends, 3X on Regular and UPI Spends Above ₹2,000, and 1X on Insurance, Utilities, Railways, FASTag and UPI Spends Up to ₹2,000

Welcome Benefits

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

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.

IDFC FIRST WOW! Credit Card

(4.5/5)

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IDFC FIRST WOW! Credit Card

  • Joining FeeNil
  • Annual FeeNil
  • Best Suited ForDining | Shopping
  • Rewards TypeReward Points

Rewards Rate

4 Reward Points/₹200 Spent (~0.50%)

Welcome Benefits

N/A

The IDFC First WoW credit card is a lifetime free card without any joining fee, but it is a secured offering, and you must have a fixed deposit of at least ₹20,000 with the bank to get this credit card. The card offers up to 4 reward points per ₹150 spent, and the never-expiring reward points can be redeemed against a variety of products, vouchers, and more. You can avail of complimentary roadside assistance, discounts at various restaurants, health and wellness outlets, fuel surcharge waivers, etc. Also, the card does not charge a foreign exchange markup fee on international transactions.

Apply for IDFC First Bank LTF Credit Cards Online

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

  • Select the IDFC Credit Card of your choice.
  • Click on the Apply Now link along with it.
  • 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

Compare Top IDFC Bank LTF Credit Cards

The following tables feature a comparison between IDFC First Bank’s lifetime free credit cards –

Category IDFC First Wealth  IDFC First Select  IDFC First WoW!  IDFC First Millennia 
Joining/Annual Fee Nil Nil Nil Nil
Welcome Benefit Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction N/A Rs. 500 worth gift voucher and up to 5% cashback on 1st EMI transaction
Reward Earning 3X RPs/₹150 Spent Upto Monthly Spends of ₹20,000. 10X Reward Points After Incremental Spends of ₹20,000. 3 Reward Points/₹150 Upto Spends of ₹20,000 and 10 Reward Points/₹150 on Spends Above ₹20,000 4 Reward Points/₹150 Spent (~0.66%) 3X Reward Points Till Spends of ₹20,000. 10X Reward Points After Incremental Spends of ₹20,000
Reward Redemption 1 Reward Point = ₹0.25 1 Reward Point = ₹0.25 1 Reward Point = ₹0.25 1 Reward Point = ₹0.25
Dining/Movie Benefits Buy One Get One on Movie Tickets up to ₹250 on the District App, Twice Every Month Buy One Get One on Movie Tickets up to ₹125 on the District App, Twice Every Month 50% Discount Up to ₹300 on Movie Ticket Bookings (Visa Infinite) 25% Discount Up to ₹100 on the District App. 20% Discount on Popular Restaurants

Bottom Line

Unlike most other credit card issuers in the country, several credit cards offered by IDFC First Bank are free for life. Just the premium cards, like the Mayura and Ashva Credit Card, charge a joining fee.

You will find entry-level to premium credit cards from IDFC Bank with no 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%, making them perfect for international spends. 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:

The following are the best IDFC First Bank Lifetime Free credit cards: First Millennia, First Wealth, First Classic, First Select, and First WoW!.

Yes, the IDFC First WoW credit card is a secured credit card that requires a minimum deposit of ₹20,000 with 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.

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.