Overview
IDFC FIRST Credit Card is a premium lifestyle and travel credit card designed for high-spending individuals (annual income ≥ ₹12 Lakhs). With zero joining/annual fees, lucrative rewards, and exclusive travel perks, it’s ideal for those who want premium benefits without hefty charges.
Key Highlights
✔ 10X Reward Points on birthdays & high spends
✔ 4 Free Airport/Railway Lounge Visits per quarter
✔ Buy 1 Get 1 Free on movie tickets (via Paytm)
✔ 1% Fuel Surcharge Waiver (up to ₹300/month)
✔ Complimentary Travel Insurance (up to ₹1 Cr)
✔ Low Interest Rate (Starting at 9% p.a.)
Features & Benefits
1. Reward Points
- 6X Points on online spends (up to ₹25,000/month)
- 3X Points on offline spends (up to ₹25,000/month)
- 10X Points on crossing ₹25,000/month and on your birthday
- 1 Point = ₹0.25 (Lifetime validity)
Exclusions: Fuel, EMIs, cash withdrawals, insurance, and utility bills.
2. Travel Benefits
✅ 4 Free Airport Lounge Accesses (Domestic/International) per quarter
✅ 4 Railway Lounge Accesses per quarter
✅ CFAR Insurance (Cancel For Any Reason – up to ₹10,000 per claim)
✅ Air Mishap Cover (₹1 Crore)
✅ Lost Baggage & Flight Delay Insurance
3. Lifestyle Perks
🎬 BOGO Movie Tickets (Max ₹250 discount, twice/month via Paytm)
🍽️ 20% Discount at 1,500+ restaurants
💆 15% Off at 3,000+ wellness outlets
🛒 300+ Year-Round Merchant Offers
4. Financial Flexibility
- Instant EMI Conversion (Min. ₹2,500 transaction)
- Balance Transfer Facility (From other bank cards)
- Low Interest Rate (9% – 42% p.a.)
- 48-Day Interest-Free Period on ATM withdrawals
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | FREE |
| Annual Fee | FREE |
| Foreign Transaction Fee | 1.99% |
| Cash Advance Fee | ₹199 or 2.5% (whichever higher) |
| Late Payment Fee | 15% of due amount (Min. ₹100, Max. ₹1,250) |
Eligibility & Application
Who Can Apply?
- Age: 18–70 years
- Income: Min. ₹12 Lakhs p.a.
- Credit Score: 710+ (Good to Excellent)
How to Apply Online?
- Visit IDFC FIRST Bank’s Credit Card Page.
- Click “Apply Now” on the Select Credit Card.
- Enter personal, income, and employment details.
- Submit KYC documents (PAN, Aadhaar, Income Proof).
- Get instant approval (subject to verification).
Why Choose IDFC FIRST Credit Card?
🌟 Lifetime Free – No annual or joining fees
🌟 High Rewards – 10X points on spends & birthdays
🌟 Travel-Friendly – Lounge access, insurance, discounts
🌟 Low Interest Rate – From 9% p.a. (cheaper than most premium cards)
Expert Verdict ⭐⭐⭐⭐⭐ (4.5/5)
“The IDFC FIRST Credit Card is a value-packed premium card with best-in-class rewards, travel perks, and lifestyle benefits—all at zero cost. Ideal for frequent travelers and high spenders.”
Final Thoughts
If you want a no-cost premium credit card with high rewards, lounge access, and travel insurance, the IDFC FIRST Credit Card is a top contender. With no hidden charges and multiple redemption options, it’s a smart choice for savvy spenders.
💡 Pro Tip: Use the card for online shopping, dining, and travel to maximize rewards!
