IDFC FIRST Bank Lifetime Free Credit Card

What is the IDFC FIRST Bank Lifetime Free Credit Card?

At its core, the IDFC FIRST Bank lifetime free range comprises a group of unsecured credit cards on which the bank does not charge joining or annual fees. You get a standard credit limit, a free period on purchases, rewards on most spends and digital controls through the mobile app. The IDFC bank lifetime free credit card design keeps ongoing cost close to zero, as long as you pay dues on time.

These cards come in three popular variants. FIRST Millennia Credit Card for young earners and new users. FIRST Classic Credit Card for salaried professionals who want simple, regular rewards. FIRST Wealth Credit Card for higher-income customers who travel more and expect lounge access and low forex markup. Together, they serve a broad range of users seeking an IDFC First lifetime free credit card without sacrificing features.

Key Highlights of IDFC FIRST Bank Lifetime Free Credit Card

These cards look similar on the surface, but each one has its own comfort zone. Before diving into features, it helps to get a sense of the overall flavour of this IDFC credit card lifetime free family plan.

• Zero joining and annual fees: All three variants are free for life, with no recurring membership charge.
• Dynamic interest rates: Rates start at around 8.5% per annum and increase based on risk and usage.
• UPI-enabled spending: You can link a digital RuPay credit card to UPI apps and earn reward points on eligible transactions.
• Never-expiring rewards: Reward points earned on these cards do not expire, which suits people who redeem in larger amounts.
• Strong travel support on Wealth: The Wealth version adds low forex markup, airport and railway lounge access and travel protection.
• Movie and lifestyle offers: Millennia and Classic both offer up to 25% off on movie tickets and access to 300-plus partner deals.

Top Features of IDFC FIRST Bank Lifetime Free Credit Card

The day-to-day behaviour of the card matters more than a single headline benefit. Here, the focus is on how it feels to spend, repay, and manage your IDFC First Bank credit card, lifetime free, through the app.

• Lifetime free structure: You pay no joining or annual fee on FIRST Millennia, FIRST Classic or FIRST Wealth. This makes it easy to keep the card active for credit history and CIBIL score building.
• Interest-free cash withdrawals: The bank allows cash withdrawals from ATMs at no interest for up to 45 days, with a one-time fee of ₹199 plus GST per transaction. This feature is helpful for short emergencies but should not replace regular planning.
• Instant EMI conversion: Eligible online transactions can be converted into EMIs on the OTP page or later from the app. This spreads large purchases over several months without having to hunt for merchant EMI offers.
• Vast merchant offer network: Cardholders get access to 300 plus merchant deals across dining, shopping, travel and entertainment, refreshed from time to time on the app.
• Mobile app control: Limits, channel settings, statement views, repayments, and reward redemptions are managed in the IDFC FIRST Bank mobile app, eliminating the need for branch visits.

How to Earn Reward Points on IDFC FIRST Bank Lifetime Free Card

Rewards are one of the strongest reasons people look for an IDFC FIRST Bank lifetime free credit card. Each variant uses its own slab, but the overall idea stays simple. You earn more on higher monthly spends, birthdays and specific categories, while utilities and insurance earn at a lower rate.

FIRST Millennia Credit Card

• 3X reward points on regular spends up to ₹20,000 in a statement cycle.
• 10X reward points on incremental spends above ₹20,000 and on birthday spends.
• UPI-linked spends can earn up to 3X points, subject to the current offer structure.
• Utility and insurance payments earn 1X reward points, keeping them in the system without depleting the budget.

  FIRST Classic Credit Card

• 3X reward points on normal spends up to ₹20,000 per billing cycle.
• 10X reward points once you cross ₹20,000 in that cycle and on birthday spends.
• 1X reward point on insurance and utility bills, so routine payments still get tracked.
• UPI usage on the linked card can also earn up to 3X rewards.

  FIRST Wealth Credit Card

• 3X reward points on spends up to ₹20,000 in each cycle.
• 10X reward points on incremental spends above ₹20,000 and on birthdays.
• Additional monthly travel rewards for flight and hotel bookings through the bank’s Travel and Shop section in the app.

How to Redeem IDFC FIRST Bank Reward Points

Redeeming points feels more useful when options are clear. IDFC FIRST Bank keeps redemptions centred on its mobile app, which suits people who manage most financial tasks on their phones. If you intend to use the IDFC credit card online for lifetime free, it is worth knowing how you will later convert points into real value. Typical redemption routes include:

• Flights and hotels: Use the Travel and Shop section in the app to book flights and hotel stays. Reward points can either fully cover a ticket or reduce the payable amount. Wealth and Classic offer additional bonus points on such bookings.
• Shopping vouchers: Points can be swapped for gift vouchers from partner brands across fashion, electronics and lifestyle. This suits users who prefer in-store purchases or planned gifting.
• Merchandise and experiences: The catalogue often carries gadgets, accessories and experience vouchers. These redemptions are handy when you want a tangible reminder of your accumulated points.
• Bill payment offsets: In some campaigns, points can be used to reduce outstanding card dues. This is not always the highest-value option, but it helps when you need quick relief on the bill.

IDFC FIRST Bank Lifetime Free Credit Card Fees & Charges

Even a lifetime free card carries a cost if you have a balance or miss payments. While the structure is similar across the three variants, the actual interest rate may vary by profile. The table below provides a concise overview of standard charges for the IDFC First Bank lifetime free credit card range. Always cross-check the latest MITC before heavy usage.

Here are a few points to remember:

• Interest rate on outstanding balance: Interest applies only when you pay less than the total amount due. Revolving large balances for several months can quickly erode the benefit of a lifetime free label.
• Late payment charges: Missing the due date, even once, may trigger a flat or slab-based fee and affect your CIBIL score. Setting up autopay from your primary bank account reduces this risk.
• Cash withdrawal fees: Although interest is waived for a short period, the flat fee plus GST makes cash withdrawal a backup tool, not a regular habit.
• Overlimit fee: The bank may allow minor over-the-sanctioned-limit breaches and charge a fee. Keeping a 5% to 10% unused limit helps avoid this.
• Forex markup fee: Frequent foreign spenders are best routed through the FIRST Wealth card, which offers a lower markup on international transactions.
• Finance charges and billing cycle: The interest-free period can range from about 45 days, depending on the purchase date and billing cycle. Knowing your statement date helps you time big spends more efficiently.

IDFC FIRST Bank Lifetime Free Credit Card Eligibility Criteria

Eligibility is broadly consistent across the Millennia, Classic, and Wealth variants, with income as the primary differentiator. When you apply for an IDFC First Bank lifetime free credit card, the bank checks both your profile and bureau behaviour. Here are the standard criteria:

• Age bracket: Applicants typically must be at least 21 years old. Upper age limits vary slightly but often sit in the mid to late fifties for salaried users.
• Income level: FIRST Millennia and FIRST Classic typically start from an annual income of around ₹3 lakh or more. FIRST Wealth is aimed at higher earners with an indicative yearly income of ₹36 lakh or more.
• Employment type: Salaried and self-employed individuals may apply, provided their income can be documented with payslips or ITRs.
• Credit profile: A stable bureau history with clean repayment behaviour improves chances of approval and a higher limit. This applies to every IDFC lifetime free credit card application.

IDFC FIRST Bank Lifetime Free Credit Card Documents Required

The documentation is minimal because the entire journey is digital. Most people can complete the process with basic KYC and proof of income. Keeping documents ready in soft copy makes it easier to complete eKYC in one sitting. Typical requirements are:

• Identity proof: A PAN card is mandatory. In some cases, Aadhaar or a passport is used to verify identity.
• Address proof: Aadhaar with current address, passport, voter ID, driving licence or recent utility bill in your name can be accepted.
• Income proof: Latest salary slips and bank statements for salaried users, or recent ITR and current account statements for self-employed applicants.
• Photograph and basic details: A recent photo or live capture during video KYC, along with contact and employment details.

How to Apply for an IDFC FIRST Bank Lifetime Free Credit Card Online

If you prefer a guided route instead of going directly to the bank, you can start your application through aggregator platforms such as Urban Money. This keeps the comparison, pre-screening and submission in one place, which is handy when you are exploring more than one IDFC Bank lifetime free credit card. A typical online flow looks like this:

• Open the credit card section on the Urban Money website and search for IDFC FIRST Bank cards.
• Compare FIRST Millennia, FIRST Classic, and FIRST Wealth based on rewards, travel benefits, and income requirements.
• Click the variant that fits your lifestyle, then click Apply.
• Enter your basic details, including name, mobile number, email address, PAN, and city.
• Share your income details and employment type to check basic eligibility.
• Upload scanned copies of KYC and income documents when prompted.
• Complete digital or video KYC as guided.
• Wait for the bank to review your profile and share the approval status.
• Once approved, a virtual card is usually available first, followed by the physical card.

Conclusion

An IDFC FIRST Bank lifetime free credit card works well when you want long-term rewards without worrying about renewal fees every year. Millennia and Classic keep things simple for everyday users who like UPI, small offers and clear slabs. Wealth brings added value for regular travellers, with lounge access and a lower foreign exchange rate. By paying bills on time and using features such as EMI and UPI responsibly, these cards can support your daily spending habits while quietly improving your credit record.