Lifetime-Free Credit Cards
Enjoy premium benefits with zero joining and annual fees.
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Amazon Pay ICICI
At ₹50,000/month with 15% travel and 10% dining.
Tools for Lifetime-Free Credit Cards holders
Frequently asked
Is the Lifetime-Free Credit Cards worth the ₹0 fee?
It depends on your spend. The Lifetime-Free Credit Cards earns 0.5% base reward. Use the break-even calculator above to see your specific number.
What is the eligibility for Lifetime-Free Credit Cards?
IDFC First hasn't published a hard minimum income for Lifetime-Free Credit Cards. Approval depends on credit score, existing relationship, and employment type.
Reward rates and fees are sourced from IDFC First's product page and may change. Always confirm with the card issuer before applying.