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IDFC FIRST Bank Credit Card from IDFC FIRST Bank
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IDFC FIRST Bank

IDFC FIRST Bank Credit Card

Lifetime Free Card and Earn Upto 10X Reward Points

Fees & charges

  • Joining Fee: Nil
  • Annual Fee: Nil

Benefits & rewards

  • Lifetime FREE - No Joining or Annual fee
  • Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
  • Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend Rs 20,000 or more in the previous calendar month
  • Spend Rs 5,000 within 30 days of card activation and receive a Rs 500 welcome voucher (choice of partner brands). Also get 5% cashback (up to Rs 1,000) on your first EMI transaction within 30 days of card activation
  • Receive complimentary roadside assistance worth Rs 1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
  • Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A Rs 99 + GST fee applies per redemption
  • Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme

Eligibility criteria

  • Age: 21 to 65 years
  • Employment: Both salaried and self-employed individuals
  • Salaried Income: Rs 25,000/monthly
  • Self Employed: Rs 3,00,000/annum
  • Credit Score: 720+

Documents needed

  • ID Proof: PAN Card/Form 60
  • Address Proof: Aadhaar, Passport, or utility bills
  • Income Proof: Bank statements or Salary slips
  • Photograph: Recent passport-sized photo

Ready to apply for the IDFC FIRST Bank Credit Card?

You will be taken to IDFC FIRST Bank to complete the application. Approval, credit limit and final terms are decided by the bank.

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Fees, benefits and eligibility shown here are collected from the issuing bank and can change without notice. Always confirm the current terms on IDFC FIRST Bank's own application page before you apply. Dealspouch is not a lender and does not decide approvals.