Top 7 IDFC Lifetime Free Credit Cards in India
Bio
Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.
- 21 Nov 25
- 11 mins
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Top 7 IDFC Lifetime Free Credit Cards in India
Sandipan Mitra- 08 Mins
- 21-11-25
Key Takeaways
- IDFC Bank offers 7 lifetime free rewards credit cards with points on every spend.
- The IDFC First Wow Credit Card is secured, requiring a minimum FD of ₹20,000.
- Earn up to 10x reward points on travel, lifestyle, shopping, and more.
- Redeem points for flights, hotels, or gift vouchers.
- Cards allow cash withdrawals in domestic and international locations.
- Eligibility varies by card type, mainly based on income level.
Are you looking for a lifetime free credit card that comes with attractive rewards with every spend? IDFC First Bank offers a range of lifetime free credit cards packed with several benefits for shoppers and travellers.
Moreover, as of August 2025, monthly spending of ₹1.9 lakh crore on credit cards shows their popularity and the benefits people seek.
From reward points on every purchase to exclusive lifestyle and travel perks, these cards combine savings with convenience, without any joining or annual fees! However, some nominal charges may still apply for a few cards.
So, let us go through the list of 7 IDFC lifetime free credit cards and what makes each of them stand out.
Top 7 IDFC Lifetime Free Credit Cards
- IDFC First Classic Credit Card
- Joining fee: ₹0
- Annual/Renewal Fee: ₹0
- 300+ Merchant Offer
This lifetime-free credit card is ideal for frequent shoppers, offering zero joining and annual fees for hassle-free usage.
It provides flexible EMI options and exclusive deals from over 300 merchants across India, enhancing your shopping experience with greater savings, convenience, and financial control.
Here are its key features.
Features and Benefits
- Earn 3 reward points per ₹150 spent on government, education, and wallet loads (up to ₹20,000/month).
- Earn 1 reward point per ₹150 on insurance and utility bill payments.
- Get 25% off on movie tickets (up to ₹100/month) via the Zomato app.
- Enjoy 1% fuel surcharge waiver (up to ₹200/month) on spends of ₹200–₹5,000.
- Get up to 20% off at 1,500+ restaurants across India.
- Get up to 15% off at 3,000+ health and wellness outlets.
- Enjoy 4 complimentary railway lounge accesses per quarter (with a minimum spend of ₹20,000 in the previous month).
- Benefit from ₹2 lakh personal accident cover and ₹25,000 lost card liability cover.
- Access 24/7 roadside assistance, four times a year.
- IDFC First Millennia
- Joining fee: ₹0
- Annual/Renewal Fee: ₹0
- 10X rewards on birthday & on spends made after Rs. 20,000 monthly spends
- Up to 3X rewards on monthly spends of up to Rs. 20,000
This IDFC lifetime free credit card is designed for millennials, offering 3X-10X reward points, welcome benefits, and discounts on dining, movies, and shopping. Cardholders get railway lounge access, personal accident insurance, and a fuel surcharge waiver, making it a versatile, rewarding choice.
Features and Benefits
- Earn 1 reward point per ₹150 spent on insurance and utility bills.
- Earn 3 reward points per ₹150 on rent, education, or government payments.
- Get 10 reward points for spending above ₹20,000 in a billing cycle (on your birthday).
- Enjoy 25% off on movie tickets (up to ₹100) once a month via the District by Zomato app.
- Avail 1% fuel surcharge waiver (up to ₹200/month) on transactions between ₹200–₹5,000.
- Get 4 complimentary lounge accesses per quarter by spending ₹20,000 in the previous month.
- IDFC First Select
- Joining fee: ₹0
- Annual/Renewal Fee: ₹0
- 10X reward points on incremental monthly spends above Rs. 20,000
- 3X reward points on purchases of up to Rs. 20,000 in a month
IDFC First Select Credit Card is a lifetime free card offering 10X reward points on incremental spends above ₹20,000 per month, complimentary access to airport and railway lounges, insurance cover, a 1.99% forex markup, and a buy-one-get-one free movie ticket offer.
No joining or annual fee applies.
Features and Benefits
- Earn 1 reward point every time you spend ₹150 on insurance premium payments and utility bills.
- Earn 3 reward points on spends till ₹20,000 in a statement cycle for selective purchases.
- You can get 10 reward points for selective purchases on your birthday. This is applicable for incremental spends above ₹20,000.
- This IDFC lifetime free credit card offers additional benefits on spends related to Travel, shopping, EMI, and dining. Refer here to know about them.
- IDFC First Wealth
- Joining fee: ₹0
- Annual/Renewal Fee: ₹0
- Up to 10x rewards on every spend
- Up to 8 international & 8 domestic airport lounge & spa access in a year
This IDFC lifetime free credit card is a premium banking program offering exclusive lifestyle and banking benefits for high-income clients.
This lifetime-free credit includes lounge access, insurance coverage, and exclusive rewards. Nevertheless, this program requires maintaining a high relationship value with the bank.
Features and Benefits
- Earn 3 reward points per ₹150 spent (up to ₹20,000 per cycle).
- Earn 10 reward points per ₹150 on birthday spends above ₹20,000.
- Get 20–50 reward points on flight and hotel bookings (up to 8,000 points).
- Enjoy 2 domestic and 2 international lounge visits every quarter.
- Get trip cancellation cover up to ₹10,000 (twice per policy period).
- Access exclusive lifestyle perks like golf sessions, hotel stays, and fine dining.
- IDFC First Wow
- Secured Credit Card (Backed by FD)
- Joining fee: ₹0
- Annual/Renewal Fee: ₹0
- Up to 4X rewards on both online & offline spends
The IDFC First Wow credit card is a great option for international travellers, as it does not charge foreign transaction fees, making it convenient for people to make transactions abroad.
However, this is a secured credit card, and you must create a Fixed Deposit of at least ₹20,000 when applying for this card.
Features and Benefits
- You can earn up to 4 reward points on selective spends.
- You can redeem your reward points for any kind of expenses.
- No credit history or income proof is required for the approval of this card.
- You can earn 6.3% interest on your FD with IDFC Bank.
- You can use the IDFC First Wow credit card anywhere in the world.
- IDFC LIC Classic
- 6X rewards on LIC insurance premium spends
- 3X rewards on grocery, utilities, railways, education and government payments, up to 300 rewards per month
- 3X rewards on all other spends
The LIC Classic credit card is a co-branded card issued by LIC and IDFC Bank. This credit card offers significant benefits if you pay your LIC premiums using this credit card. Apart from this, the card is also suitable for daily spending. You can access credit card privileges such as lounge access, insurance coverage, and more.
Features and Benefits
- You can earn 3 reward points for every ₹125 spent on essentials like groceries, utilities, education, and other expenses. This feature is limited to 300 reward points per month.
- Earn 6 reward points on every ₹125 spent on LIC insurance premiums.
- Get 1 complimentary domestic airport lounge access and 2 complimentary Railway Lounge access every quarter.
- Get 1 % waiver on fuel surcharge up to ₹200 per month on spending between ₹200 to ₹500 on fuel.
- Joining benefits include 1,000 Rewards on spending ₹5,000 within the first 30 days.
- Get 5% cashback on making your 1st EMI payment within the first 30 days of card generation. This limit on this discount is ₹1,000.
- Get complimentary Roadside Assistance worth ₹1,399.
- IDFC LIC Select
- 10X rewards on LIC insurance premium spends
- 5X rewards on grocery, utilities, railways, education and government payments, up to 600 rewards per month
- 5X rewards on all other spends
This is another IDFC Bank lifetime-free card, co-branded with LIC, offering 10X reward points on LIC premium payments and 5X points on utilities and groceries. It features domestic airport and railway lounge access, insurance benefits, EMI cashback, and a fuel surcharge waiver.
Features and Benefits
- Earn 5 reward points every time you spend ₹125 on essentials and other general expenses.
- Earn 10 reward points on paying your LIC insurance premiums using your IDFC LIC Select credit card.
- You get 2 complimentary domestic airport lounge accesses and 4 complementary railway lounge accesses per quarter.
- Get 1% waiver on fuel surcharge up to ₹300 every month for making transactions between ₹200 to ₹500.
- Get a Personal Accident Cover of ₹5,00,000 and Lost Card Liability Cover of ₹50,000 for making just one transaction of your IDFC LIC Select credit card within the last 30 days.
Use PICE to make your IDFC Lifetime Free Credit Card really cheap. Even though some IDFC cards don't have any joining or annual fees, if you miss a payment, you could be charged interest rates of up to 46.2% per year.
You can easily and on time pay your credit card bills with the PICE app. Get automatic reminders, stay on top of your bills, and keep your credit score high, all on one easy-to-use platform.
Other Fees and Charges for IDFC Bank Lifetime Free Credit Card
| Interest Rate (Monthly / Annual) | 0.71% – 3.85% p.m. (8.5% – 46.2% p.a.) |
| Cash Advance Fee | ₹199 per transaction |
| Late Payment Charges | 15% of Total Due (Min ₹100 – Max ₹1,300) |
| For IDFC FIRST Wow! - Not Applicable (Secured Card) | |
| Over-limit Charges | 2.5% of over-limit (Min ₹550) |
| For IDFC FIRST Wow! - Not Applicable | |
| Forex Mark-up | 1.99% |
| For IDFC FIRST Wealth - 1.50% (Lower mark-up) | |
| Reward Redemption Fee | ₹99 per redemption |
Must reads
Eligibility Criteria for Getting an IDFC Lifetime Free Credit Card
Some common eligibility criteria to fulfil to get your IDFC lifetime free credit cards are as follows:
- Applicant must be at least 21 years old.
- The applicant must be a resident of India with proof of residence.
- Must have a high credit score, with no default payments.
All IDFC lifetime free credit cards require a minimum income requirement. Below are the details:
| IDFC Lifetime Free Credit Card | Minimum Income Required |
| IDFC First Classic Credit Card | ₹3 Lakh per annum or more. |
| IDFC First Millennia Credit Card | ₹3 Lakh per annum or more. |
| IDFC First Select Credit Card | ₹12 Lakh or more. |
| IDFC First Wealth Credit Card | ₹36 Lakh or more. |
| IDFC First Wow Credit Card | Minimum FD amount of ₹20,000 or more. |
Conclusion
IDFC lifetime free credit cards can be an economical option for travellers to enjoy financial flexibility while travelling inside or outside of India. Although they are free of cost, they can be expensive because of common mistakes like late payments or overlimit charges.
To avert these, you can use the Pice app to manage multiple credit card payments through one user-friendly central dashboard. Click here to download the Pice app and ensure your lifetime free credit card remains free.
FAQs
Which IDFC lifetime free credit card is best for beginners?
The IDFC First Classic Credit Card is great for people who are new to credit cards because it's easy to get, gives you reward points on everyday purchases, and has no annual or joining fees.
Does the IDFC First Wealth credit card charge a forex fee?
No, this is a unique IDFC lifetime free credit card that does not charge a foreign transaction fee on international transactions. This is an excellent option for frequent international travellers, as it is also accepted worldwide.
Can I use my IDFC lifetime free credit card to withdraw cash?
Yes, you can use your IDFC lifetime free credit cards to withdraw cash. However, some fees and charges may apply: you may have to pay interest on withdrawals after 45 days, and a fee of ₹199 will apply every time you withdraw cash.
Which IDFC lifetime free credit card offers welcome benefits?
The IDFC LIC Classic is a lifetime free credit card from IDFC that offers a joining bonus: earn 1,000 Rewards by spending ₹5,000 on your credit card within the first 30 days.
What are the Late payment charges and Interest rate on IDFC lifetime free credit cards?
For late payments, you have to pay 15% of the total overdue amount. Subject to a minimum of ₹100 and a maximum of ₹1,300. Additionally, you have to pay interest on the overdue amount, ranging from 8.5% to 46.2% per annum.
Can I convert my IDFC credit card purchases into EMIs?
Yes, IDFC Bank lets you convert eligible purchases into EMIs. You can pick flexible terms and pay less interest.
How do I redeem IDFC credit card reward points?
You can use the IDFC FIRST Bank rewards portal to turn your reward points into flight or hotel reservations, shopping vouchers, or lifestyle benefits.
What documents are required to apply for an IDFC credit card?
You will need proof of your address, PAN, Aadhaar, and income (like pay stubs or ITR). You need a fixed deposit of ₹20,000 for WOW cards.
Can I manage multiple IDFC credit cards together?
You can easily manage more than one IDFC credit card with the Pice app. You can keep track of bills, get reminders, and pay them on time to avoid interest.
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