IDFC First Lifetime Free (No Annual Fee) Credit Cards in India 2026

Lifetime free card, with welcome offers

Welcome offers 

• You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
• You enjoy 5% cashback (up to ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

0.50% reward on monthly card spends up to ₹20,000 (3X program)

• You earn 3 reward points worth ₹0.75 on every ₹150 you spend on your card (meaning 2 reward points worth ₹0.50 on every ₹100 spent) – 0.50% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• You earn no reward points on fuel, EMI transactions & cash withdrawals.
• You earn 0.16% benefit on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)

1.6% reward on monthly card spends above ₹20,000 & on your birthday (10X program)

• You earn 10 reward points worth ₹2.50 on every ₹150 you spend on your card (meaning 6.66 reward points worth ₹1.66 on every ₹100 spent) – 1.66% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.16% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.50% reward (3X reward)

Complimentary railway lounge access – 4 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this offer

Movie ticket discount, up to ₹100 per month

• 25% discount (up to ₹100), on movie tickets on Zomato District.
• This is valid once per month.

Fuel surcharge waiver up to ₹200 per month, and valid only on fuel transactions between ₹200 & ₹5000

Complimentary insurance covers

• ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
• ₹2 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
• Credit Shield cover: ₹50,000 
• Purchase Protection: ₹25,000

Emergency complimentary roadside assistance (RSA) package worth ₹1399

• Get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
• You can avail this benefit up to 4 times a year

Lifetime free, no annual fee

Guaranteed approval against fixed deposit, no income proof or credit score required

• Minimum FD amount: ₹20,000
• Credit limit: Minimum 100% of FD amount

Zero forex fees on international transactions

Rewards Program

• 0.66% rewards on all eligible spending (2.66 reward points per ₹100 spent)
• 1 reward point = ₹0.25

Exceptions & important exclusions

• Insurance & utilities: 0.16% rewards (0.66 points per ₹100)
• No rewards: Fuel purchases, EMI transactions, cash withdrawals

Redemption 

• Points redeemable via IDFC FIRST rewards platform
• Options: Vouchers, products, and more

Fuel Savings

• 1% fuel surcharge waiver up to ₹200 per month
• Valid on fuel transactions between ₹200-₹5,000

Roadside Assistance (₹1,399 value)

24/7 emergency services (up to 4 times/year):

• Flat tire service & tire replacement
• Battery jump-start or replacement
• Emergency fuel delivery
• Lost key replacement & minor repairs
• Vehicle towing & assistance via Global Assure

Comprehensive Insurance Coverage

Card Security Protection

• ₹25,000 lost card liability & fraud protection
• Covers counterfeit, skimming, phishing for online purchases

Personal Protection

• ₹2 lakh personal accident cover
• Coverage for accidental death or permanent disability

Purchase & Credit Protection

• ₹25,000 purchase protection cover
• ₹50,000 credit shield cover

Lifetime Free Credit Card 

Welcome Benefits

• ₹500 voucher on spending ₹5,000 within 30 days
• 5% cashback (up to ₹1,000) on first EMI within 30 days

Core Rewards Structure 

• Up to ₹20,000 per month spending: 0.50% rewards (3 points per ₹150 spent)
• Above ₹20,000 per month & birthdays: 1.66% rewards (10 points per ₹150 spent)

Enhanced Travel Rewards

• 8.3% extra on hotel bookings (50 bonus points per ₹150 spent)
• 3.3% extra on flight bookings (20 bonus points per ₹150 spent)
• Monthly limit: 8,000 points

Reward Point Value & Redemption

• 1 reward point = ₹0.25 via IDFC PoshVine Reward Portal

Important Exclusions

• No rewards: Fuel, EMI, cash withdrawals
• Reduced rates: 0.16% on insurance & utilities, 0.5% on rent/education/wallets/government

Lounge Access (requires ₹20,000 monthly spend in previous month)

• Domestic airport lounges: 2 visits per quarter 
• International airport lounges: 2 visits per quarter
• Railway lounges: 4 visits per quarter 

Movies & Golf

• Movies: BOGO movie tickets via Zomato District, 2 tickets per month (up to ₹250 off on 2nd ticket)
• Golf benefits: Up to 2 free rounds/lessons per month (1 free for every ₹20,000 spent in previous month)

Fuel & Mobility

• 1% fuel surcharge waiver up to ₹300 per month. Valid on fuel transactions between ₹200 - ₹5,000
• 24/7 roadside assistance (₹1,399 value). 4 incidents per year: tire service, battery jump-start, fuel delivery, key replacement, towing

Insurance Coverage

Travel Protection

• Cancellation insurance (hotel/ flight cancellations): Up to ₹10,000 for 2 claims (CFAR coverage)
• Air accident cover: ₹1 crore
• Travel insurance: USD 1,200 total coverage
  • Baggage loss: USD 500
  • Baggage delay: USD 100
  • Passport/document loss: USD 300
  • Flight delay: USD 300

General Protection

• Personal accident: ₹10 lakh cover
• Card fraud protection: ₹50,000 for lost card liability, skimming, online fraud

Lifetime free card, with welcome offers

Welcome offers 

• You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
• You enjoy 5% cashback (up to ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

0.50% reward on monthly card spends up to ₹20,000 (3X program)

• You earn 3 reward points worth ₹0.75 on every ₹150 you spend on your card (meaning 2 reward points worth ₹0.50 on every ₹100 spent) – 0.50% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• You earn no reward points on fuel, EMI transactions & cash withdrawals.
• You earn 0.16% benefit on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)

1.6% reward on monthly card spends above ₹20,000 (10X program)

• You earn 10 reward points worth ₹2.50 on every ₹150 you spend on your card (meaning 6.66 reward points worth ₹1.66 on every ₹100 spent) – 1.66% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.16% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.50% reward (3X reward)

Complimentary railway lounge access – 4 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this offer

Movie ticket discount, up to ₹100 per month

• 25% discount (up to ₹100), on movie tickets on Zomato District.
• This is valid once per month.

Fuel surcharge waiver up to ₹200 per month, and valid only on fuel transactions between ₹200 & ₹5000

Complimentary insurance covers

• ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
• ₹2 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
• Credit shield cover: ₹50,000 
• Purchase protection cover: ₹25000

Emergency complimentary roadside assistance (RSA) package worth ₹1399

• Get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
• You can avail this benefit up to 4 times a year

Complimentary domestic airport lounge access – 2 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this benefit

Complimentary railway lounge access – 4 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this benefit

Movie benefits – BOGO (‘Buy one, get one’) offer at Zomato District, up to ₹250 per month

• Get up to ₹125 off on the 2nd ticket – on Zomato District app.
• This is valid 2 times per month.

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations: Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

Lifetime free card, with welcome offers

Welcome offers :

• Get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
• Enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

0.50% reward on monthly card spends up to ₹20,000 (3X program)

• Earn 3 reward points worth ₹0.75 on every ₹150 you spend on your card (meaning 2 reward points worth ₹0.50 on every ₹100 spent) – 0.50% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• You earn no reward points on fuel, EMI transactions & cash withdrawals.
• You earn 0.16% reward (X reward) on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)

1.6% reward on monthly card spends above ₹20,000 (10X program)

• Earn 10 reward points worth ₹2.50 on every ₹150 you spend on your card (meaning 6.66 reward points worth ₹1.66 on every ₹100 spent) – 1.66% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.16% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.50% reward (3X reward)

Fuel surcharge waiver up to ₹300 per month, valid only on fuel transactions between ₹200 & ₹5000

Complimentary insurance covers

• ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
• ₹5 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
• Air accident cover of ₹1 crore
• Travel insurance cover of USD 300 : loss of checked-in baggage – USD 100; delay of checked-in baggage – USD 67; loss of passport and other documents – USD 67; delay in flight – USD 67