Credit CardIDFC First Bank IDFC First Bank Credit Card Lifetime free
Get a Lifetime FREE credit card packed with premium perks:
🆓 Zero Fees: Lifetime FREE with no joining or annual charges
📉 Low Interest: Rates starting as low as 8.5% p.a.
🎁 Up to 10X Rewards: On Dining, Travel, International & Birthday spends*
🏧 45-Day Interest-Free Cash: 0% interest on ATM withdrawals for up to 45 days
Joining Fee₹0
Annual Fee₹0
Cashback2
Reward Rate3
Best ForEase of UPI on Credit Card
Available Information
Welcome Benefit
Personal accident coverage insurance upto 2 Lac
Eligibility
18 years of age or above
Resident of India
Valid Aadhaar and PAN for VKYC
Documents
Complete Video KYC
Valid Aadhaar and PAN for VKYC
Benefits
- Online spends on select categories and EMI transactions will not count towards the ₹10,000 online spends milestone. No cashback on EMI, ATM cash withdrawals, and UPI spends made through third-party UPI payment apps. *Select categories include utility bills, wallet loads, insurance, jewellery, government services and rent. **FD interest rates are subject to change. The rate applicable at the time of application journey will apply.
Additional Details
*not applicable for FIRST Digital RuPay Credit Cards issued without joining fee.
Pros
- Zero Recurring Costs: Completely Lifetime Free with no joining or annual fees.
- Competitive Rates: Extremely low interest starting at just 8.5% p.a.
- Accelerated Rewards: Earn up to 10X points on dining, travel, international, and birthday spends.
- Rare Cash Perk: Up to 45 days of 0% interest on ATM cash withdrawals.
Things to Consider
- Variant Dependent: 10X rewards are limited to specific card variants.
- Credit Score Requirement: The lowest 8.5% interest rate depends on credit profile approval.
- Cash Withdrawal Fee: While interest-free for 45 days, ATM withdrawals still carry a standard processing fee.