Key benefits
- Lifetime free — no joining or annual fee
- 10X reward points on spending above ₹20,000 in a month
- Reward points never expire
- 4 domestic lounge visits a quarter and a low interest rate from 0.75% a month
Fees and charges
| Joining fee | Nil |
| Annual fee | Nil |
| Interest rate | 0.75% to 3.5% per month, by profile |
| Reward value | ₹0.25 per point |
| Fuel surcharge | 1% waiver up to ₹300 a month |
| Foreign markup | 1.99% |
Eligibility
- Salaried aged 21–60 with income above ₹25,000 a month
- Self-employed aged 21–65
- Credit score above 730
Who it suits
One of very few lifetime free cards that still offers lounge access and never-expiring points.
Watch out for
The 10X rate needs monthly spending above ₹20,000 to trigger.
Fees and reward rates shown are indicative and set entirely by IDFC FIRST Bank. They change without notice — confirm the current terms on the issuer's own page before you apply.