IDFC Lifetime Free Credit Cards

IDFC Millennia Credit Card

Up to 10X reward points that never expire

IDFC Wealth Credit Card

Up to 10x reward points that never expire

IDFC First Select Credit Card

Up to 10x reward points that never expire

IDFC First Classic Credit Card

Up to 10X Reward Points that never expire

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

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

-

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

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

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