IDFC FIRST Bank

What is a Lifetime Free Credit Card?

A lifetime free credit card is a card that is free for life, zero annual and joining fee. Whether you are a salaried professional, self-employed individual, frequent traveller, or first-time credit card user, IDFC FIRST Bank offers some of the best lifetime free credit cards in India.

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FIRST Classic Credit Card

Everyday Spenders
First-Time Users

The FIRST Classic Credit Card is a lifetime free credit card with everyday rewards, entertainment offers, travel benefits, and added protection features. Know More

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Best For:

First-time credit card users and everyday spenders

Min Income:

Annual income ₹3 Lakh or more

Key Benefits:

3X Reward Points on everyday spends
10X Reward Points on dining, travel, and international spends
₹500 welcome voucher on ₹15,000 spend in 90 day
5% cashback (up to ₹1,000) on first EMI
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

FIRST Millennia Credit Card

Modern Digital-First Generation

The FIRST Millennia Credit Card is a lifetime free credit card for users spending on entertainment, dining, shopping, and lifestyle. Know More

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Best For:

Young professionals and lifestyle-focused users.

Min Income:

Annual income ₹3 Lakh or more

Key Benefits:

3X Reward Points on everyday purchases
10X Reward Points on dining, travel, and international spends
25% off movies (up to ₹100/month) via District app
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

FIRST Select Credit Card

Frequent Travellers
Lifestyle Enthusiasts

The FIRST Select Credit Card combines travel privileges, entertainment offers, premium protection, and lifestyle rewards in a lifetime free credit card. Know More

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Best For:

Frequent domestic travellers and high spenders.

Min Income:

Annual income ₹12 Lakh or more.

Key Benefits:

3X Reward Points on everyday purchases
0X Reward Points on dining, travel, and 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
Low forex markup fee of 1.99% on international spends
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

FIRST Wealth Credit Card

Premium Privileges

The FIRST Wealth Credit Card offers premium users luxury travel benefits, golf privileges, airport lounge access, and elevated lifestyle experiences. Know More

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Best For:

For those who expect the best for travel and lifestyle.

Min Income:

Annual income ₹36 Lakh or more

Key Benefits:

3X Reward Points on everyday spends
10X Reward Points on dining, travel, and international spends
Buy-One-Get-One movie offer twice a month, discounts up to ₹500
2 complimentary domestic and international airport lounge visits per quarter, plus 4 railway lounge visits
2 complimentary golf rounds or golf lessons every month
Low forex markup fee of 1.5%
Complimentary Roadside Assistance and premium insurance cover, including ₹1 crore Air Accident Cover
1% fuel surcharge waiver up to ₹400 per month

FIRST WOW! Credit Card (FD-Backed)

Building Credit History

The FIRST WOW! Credit Card is an FD-backed, lifetime free card that helps users with no credit history build credit while earning travel and rewards benefits. Know More

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Best For:

New-to-credit users and international spenders.

Min 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).
₹2 lakh Personal Accident Cover.
Suitable for building credit history responsibly.

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

Apply Now Know More

Joining Fee/Annual Fee

₹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

Airport lounge access

1 domestic airport lounge per quarter

1 domestic & 1 international per quarter

Railway lounge access

4 complimentary visits to lounges at select Indian railway terminals†

Forex Markup

3.50%

1.99%

1.50%

Movie benefit

25% off movie tickets, up to ₹100 per month, on District by Zomato

25% off movie tickets, up to ₹100 per month, on the District app

Buy one get one free, twice a month, with a discount of up to ₹250 on the District app

Buy one get one free, twice a month, with a discount of up to ₹500

Golf benefit

2 complimentary golf rounds or golf lessons every month

Best for

First-time credit card users and everyday spenders

Young professionals and lifestyle-focused users

Frequent domestic travellers and high spenders

Those who expect the best for travel and lifestyle

New-to-credit users and international spenders

Eligibility

Annual income ₹3 Lakh or more

Annual income ₹12 Lakh or more

Annual income ₹36 Lakh or more

Fixed Deposit of ₹20,000 or more

1X Reward Points apply on utility bill payments, insurance premium payments, railway bookings and FASTag recharges
10X Reward Points on dining, travel, international spends, and all eligible birthday spends.
The 4 complimentary visits to select railway lounges in India are subject to spends of ₹20,000 or more in the previous calendar month

Frequently Asked Questions About IDFC
FIRST Lifetime Free Credit Cards

All

Late Payment

Reward points

Credit score

Card limit

How to apply

Lost card

Fees and Charges

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?

You can open an IDFC FIRST Bank Savings Account via the online mode by visiting the Bank’s official website or mobile app. First, choose between the ₹10,000 Average Monthly Balance (AMB) or ₹25,000 AMB variant as per your needs. Next, fill out your details, submit your Aadhaar number and PAN, and complete the KYC verification. Setting up your Savings Account online with IDFC FIRST Bank is easy and seamless!

Do IDFC FIRST Lifetime Free Credit Card reward points expire?

IDFC FIRST Bank offers two types of Savings Accounts based on the AMB (Average Monthly Balance) requirements: one requiring ₹10,000 Average Monthly Balance (AMB) and the other requiring ₹25,000 AMB. These account types offer benefits like high interest rates, monthly interest credits, zero-fee banking, and easy access to digital banking features.

Based on the type of applicants, IDFC FIRST Bank also offers the following Savings Accounts:

• FIRST Power Women’s Savings Account – A savings account specifically designed for women that offers features like complimentary medical benefits through MediBuddy, discount on locker rentals, exclusive offers on Debit Card, monthly interest credits, and higher interest rates.

• Seniors Citizens Savings Account – This account is designed for seniors above the age of 60 years and comes with medical benefits through MediBuddy, ₹2 lakhs coverage against online fraud, 0.5% additional ROI on FD and free doorstep banking.

• Minor’s Savings Account - Designed for minors, this account can be opened jointly with parents or guardians. Also, minors aged between 10 to 18 years can open a FIRST Prodigy Savings Account, a self-operated minor savings account that offers features like monthly interest credits, high daily debit limit of ₹40,000, education cover of ₹5 lakhs, and more.

Which IDFC FIRST card gives complimentary airport lounge access?

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies. If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards.

Can I get an IDFC FIRST credit card without a credit score?

Yes. You will earn:

10 reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday.
5 reward points on spends up to ₹20,000 in a statement cycle.
3 reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions. 1 reward point on utilities and insurance transactions. Spends in these categories will not be considered for the 10X monthly milestone.
Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.
1 reward point is given for every ₹150 spent in a transaction. Value of 1 reward point is ₹0.25.

What does my credit score need to be?

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges. Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation.

What is a Credit Card limit?

The Ashva Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card remains active.

What should I do when my Credit Card is lost?

The Ashva Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above. For brand offers, you can visit the offers website

What are the things you must know before applying for a credit card?

The Ashva Credit Card offers one of the lowest forex markups in the industry at just 1%. Spend seamlessly while travelling abroad as well as on international purchases made from India.

What are the dos and don’ts while using a credit card?

Yes, Ashva Credit Card offers:

4 complimentary visits per quarter to lounges and spas at airport terminals in India.
2 complimentary visits per quarter to lounges at foreign airports

The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.

Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.

You can also book airport lounge and spa by clicking here.

I already have a credit card. Can I apply for another one?

You can activate your 1 Lounge/Spa benefit for the next calendar month by spending ₹20,000 or more in the current calendar month.
E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April. To know how to book an airport lounge online, click here.

Can I avail of golf benefits on the Ashva Credit Card?

Yes. You can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are interest-free for up to 48 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

What is the annual milestone on the credit card?

On spending ₹8,00,000 or more in a card anniversary year, you will get 7,500 reward points. The reward points will be credited on payment of annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone, including EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.

What is the annual milestone on the credit card?

When will the reward points be credited?

The reward points will get credited upon statement generation.

What is the movie offer on the Ashva Credit Card?

Using the Ashva Credit Card, you get buy-one-get-one movie offer twice a month via Paytm Movies. You can get a discount of up to ₹400 on the second ticket.