Lifetime FREE Credit Card with Rewards that never expire

Get 10x Rewards with this FREE Credit Card for life. From 0% interest on ATM withdrawals to low interest rates per annum, this Credit Card is your ideal companion

Lifetime free credit card 

Welcome voucher worth ₹500 on spending ₹15,000 within first 90 days

10x Rewards Points that don’t expire

Best Value

  • On spending over Rs 20,000 a month
  • When you spend online as you get 6X rewards and exclusive discounts

What We Love

  • Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
  • Reward points never expire
  • Interest Free cash withdrawal from any Bank's ATM
  • 10X rewards on spending over Rs 20,000 a month and also on all your birthday spends
  • Complimentary Railway and Airport lounge visits (card specific)
  • Rs 100 - 500 Discount on Movie Tickets on all cards (card specific)
  • Personal Accident Cover and Lost Card Liability Cover on all cards
  • 15% discount across 3,000+ health and wellness outlets

What We Don't Like

  • No reward points on insurance and fuel
  • Reward rates are slightly lower than class-leading alternatives

Fees and List of All charges

  • Joining Fees: Nil
  • Annual Fees: Nil
  • Interest rate: 0.75-3.5% per month
  • Cash Withdrawal charges: Rs 250 per transaction
  • Card Replacement charges: Rs 100

How to redeem IDFC First points?

  • Visit the IDFC First Bank reward redemption portal
  • Click on 'Redeem Points'
  • Choose from the list of brands
  • Add to Cart according to your point balance and checkout after verifying all details

Terms and Conditions


Eligibility Criteria

  • Employment status: Both Salaried and self-employed can apply
  • Income: for salaried - Rs 30000 per month, For Self Employed - ITR > 5 lakhs
  • Existing Credit card with minimum vintage of 1 year is mandatory for self employed
  • Credit score: 650 and Above, New to Credit/No credit score not allowed
  • Age: 23-60 years

Documents needed

  • ID proof - Aadhaar and PAN card
  • Address proof
  • Bank statement or income proof (case to case basis)