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IDFC Lifetime Free Credit Cards
IDFC Bank offers lifetime free credit cards across various categories, which belong primarily to lifestyle and rewards. You can apply for these IDFC Credit cards on CreditMantri and enjoy the privileges. Let us look at the key features of the lifetime free credit cards offered by IDFC Bank.About IDFC Lifetime Free Credit Cards
Lifetime Free Credit Cards Offered By IDFC - A Snapshot
Card | Key Feature |
|---|---|
Up to 10X reward points that never expire | |
Up to 10x reward points that never expire | |
Up to 10x reward points that never expire | |
Up to 10X Reward Points that never expire |
IDFC Lifetime Free Credit Cards
1) IDFC First Millennia Credit Card
Key Features of IDFC First Millennia Credit Card
Best For | Rewards and online shopping |
Joining Fees | Nil |
Annual Fees | Nil |
Welcome voucher worth Rs. 500 | on spends of Rs. 15,000 or more |
10x reward points | on incremental spends above Rs. 20,000 monthly and on spends done on your birthday |
6x reward points | on online purchases for spends up to Rs. 20,000 per month |
3x reward points | on offline purchases for spends up to Rs. 20,000 per month. |
1 reward point | 0.25 INR |
5% cash back | on the first EMI transaction that you make |
Up to 20% Discount | At 1500 plus restaurants |
Up to 15% discount | At 3000 and more health and wellness outlets |
4 complimentary railway lounge visits | quarterly |
Complimentary roadside assistance | worth Rs. 1,399 |
Fuel surcharge waiver of 1% up to Rs. 200/month. | at all fuel stations across India |
25% discount on movie tickets (up to Rs. 100) | valid once per month. |
Personal accident cover of Rs. 2,00,000 | valid on doing at least one transaction on the FIRST Millennia Credit Card in the last 30 days |
Lost card liability | cover of Rs. 25,000 |
Conversion of all transactions more than Rs. 2,500 | into easy and convenient EMIs from your mobile app. |
Instant EMI conversion for all online transactions above Rs. 2,500 | on the bank’s OTP page |
More Features and Benefits of the IDFC First Millennia Credit Card
- Welcome Benefits: A voucher of INR 500 on spends of INR 15,000 within 90 days of card activation.
- Cashback: 5% cashback on your first EMI transaction within 90 days of card generation.
- Interest-Free Period: Interest-free domestic and international cash withdrawals at ATMs for up to 48 days.
- There is a convenience fee of INR 99 + GST on redemption of reward points.
- A cash advance fee of INR 250 for every transaction.
- Forex markup of 3.5% for all international transactions.
2) IDFC First Wealth Credit Card
Key Features of IDFC First Wealth Credit Card
Best For | Entertainment benefits and travel privileges | - |
10X reward points | on all spends above Rs. 30,000 | and on your birthday |
6X reward points | On all online purchases | done up to Rs. 30,000 |
3X reward points | On all offline purchases | done up to Rs. 30,000 |
3X reward points | on rental and property management spends | - |
1 reward point | For every Rs. 100 spent | - |
1 reward point | is = Re. 0.25 | - |
Domestic Lounges and Spa | 4 complimentary visits | in a quarter |
International Lounges and Spa | 4 complimentary visits | in a quarter |
Movie offers | Free tickets on the Paytm app, buy 1 get 1 free up to Rs. 500 | Up to twice per month |
Online offers | Offers on 300+ merchants | throughout the year |
Dining offers | 20% discount | at 1500+ restaurants |
Health and Wellness offers | 15% discount | at 3000+ health and wellness outlets |
Golf rounds | Complimentary twice per month | On spends of Rs. 20,000 and Rs. 40,000 to claim both rounds |
Exclusive complimentary roadside assistance | worth Rs. 1,399 | - |
Fuel surcharge waiver of a maximum of up to 1% of the total bill | Across all fuel stations in India | Up to Rs. 400 per month |
Exclusive air accident cover | Of Rs. 1 crore | needs a minimum of 1 transaction in the previous month |
Lost card liability cover | of Rs. 50,000 | - |
personal accident cover | of Rs. 10,00,000. | - |
Comprehensive travel insurance cover | of USD 1200 | - |
More Features and Benefits of the IDFC First Wealth Credit Card
- Welcome Benefits: A voucher of Rs. 500 on spends of Rs. 15,000 or more in the first 90 days of card activation.
- Cashback: of 5% (maximum up to Rs. 1000) on your first EMI transaction within 90 days of card activation.
- Interest-Free Period: Interest not applicable on cash withdrawals of Rs. 250 anywhere in the world for the first 48 days.
- Convenience Fee: A convenience fee of Rs. 99 (plus applicable taxes) will be charged on redemption of reward points.
- A cash advance fee of INR 250 for every transaction.
- Forex markup of only 1.5% on all transactions
3) IDFC First Select Credit Card
Key Features of The IDFC First Select Credit Card
Best For | Rewards and online shopping | - |
10X reward points | on spends above Rs. 20,000 | and on expenses done for your birthday. |
6X reward points | on online purchases | for spends up to Rs. 25,000 |
3X reward points | on offline purchases | for spends up to Rs. 25,000 |
1 reward point | is = Rs. 0.25 | - |
Domestic Lounges and Spa | 4 complimentary visits | in a quarter |
International Lounges and Spa | 4 complimentary visits | in a quarter |
Movie offers | Free tickets on the Paytm app, buy 1 get 1 free up to Rs. 500 | Up to twice per month |
Online offers | Offers on 300+ merchants | throughout the year |
Dining offers | 20% discount | at 1500+ restaurants |
Health and Wellness offers | 15% discount | at 3000+ health and wellness outlets |
Golf rounds | Complimentary twice per month | On spends of Rs. 20,000 and Rs. 40,000 to claim both rounds |
Exclusive complimentary roadside assistance | worth Rs. 1,399 | - |
Fuel surcharge waiver | of a maximum of up to 1% of the total bill | Across all fuel stations in India up to Rs. 400 per month |
Exclusive air accident cover | Of Rs. 1 crore | needs a minimum of 1 transaction in the previous month |
Lost card liability cover | of Rs. 50,000 | - |
personal accident cover | of Rs. 5,00,000 | Valid on doing at least one transaction using the FIRST Select Credit Card in the last 30 days |
Comprehensive travel insurance cover | of Rs. 22,500 | Includes the loss of checked-in baggage, delay of checked-in baggage, loss of passport and other documents, and delay of flight |
More Benefits of the IDFC First Select Credit Card
- Welcome benefits: Gift voucher of Rs. 500 on spending Rs. 15,000 within the first 90 days of your card issuance.
- Cashback: 5% cashback on your first EMI transaction done within 90 days of card generation.
- All online transactions above Rs. 2,500 can be converted to EMIs instantly on the bank’s OTP page.
- You can conveniently transfer the balance on other cards to the IDFC credit card using the balance transfer option.
4) IDFC First Classic Credit Card
Key Features of The IDFC First Classic Credit Card
Best For | Rewards and online shopping | - |
10X reward points | On spends exceeding Rs. 20,000 | and on spends done on your birthday |
6x reward points | on online purchases | for spends up to Rs. 25,000 |
3x reward points | on offline purchases | for spends up to Rs. 25,000 |
1 reward point | is = Rs. 0.25 | - |
Movie tickets | 25% discount | Up to Rs. 100 |
Dining offers | Up to 20% discount | At 1500 plus restaurants |
Merchant offers | 300+ | All throughout the year |
Health and wellness discounts | Up to 15% discount | At 3000 + health and wellness outlets |
railway lounges | 4 complimentary railway lounge visits | per quarter |
Fuel surcharge waiver | 1% across all fuel stations in India | Up to Rs. 200 per month |
Personal accident cover | Rs. 2,00,000 | Valid on doing at least one transaction during the last 30 days. |
Lost card liability | Rs. 25,000 | - |
More Benefits of the IDFC First Classic Credit Card
- Welcome Benefits:
- Welcome voucher worth Rs. 500 on spends of Rs. 15,000 or more.
- Spends should be done within 3 months of card issuance.
- Cashback: 5% cashback (Up to Rs. 1000) on the first EMI transaction done within 3 months of issuing the card.
- Conversion of all transactions above Rs. 2500 into easy and convenient EMIs from your mobile app.
- All online transactions above Rs. 2,500 can be converted to EMIs instantly on the bank’s OTP page.
- You can conveniently transfer the balance on other cards to the IDFC credit card using the balance transfer option.
Conclusion
Before applying for an IDFC First Bank Lifetime free credit card, you must read through the key benefits, features, eligibility, documents required, etc. for each card and then choose the best one that suits your needs.
FAQs of IDFC Lifetime Free Credit Card:
1. What is the value of a reward point for IDFC First Wealth Credit Card, IDFC First Classic Credit Card and IDFC First Select Credit Card
The value of 1 reward point = 0.25
2. How to redeem my IDFC reward points?
Visit the IDFC First Bank reward redemption portal and log into it using your registered mobile number. Post logging in, you will see the reward points on the homepage. Click on “Redeem Points” to begin the redemption process.
