IDFC First Bank IDFC First Bank Credit Card Lifetime free

Positive points & benefits

• ✓ 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.

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.

Negative points / 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.