cards / credit / idfc first bank / idfc-first-lifetime-free-credit-card
IDFC
4242 •••• •••• ••••
YOUR NAME HERE
VISA
↑ Your name appears embossed when you sign in.
§ BENEFITS
rewards
10X Reward Points on Online Spends
Earn 10X reward points on online transactions
10X points
rewards
3X Reward Points on Offline Spends
Earn 3X reward points on in-store purchases
3X points
lounge
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
8 visits/year
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹2,40,000
- Min monthly salary
- ₹20,000
- Age
- 21 – 65
- Min credit score
- 650
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Free
† Lifetime Free
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 2
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Fuel waiver
- Not available
§ LIMITS
- ATM / day
- ₹25,000
- POS + e-com / day
- ₹2,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- —
- Permanent disability
- —
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹50,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- IDFC First Rewards
- Earn rate
- 10X online, 3X offline
- Point value
- ₹0.25
- Effective cashback
- 2.00%
- Min redemption
- 100 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- 2 per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IDFC First Bank and earns no commission on applications.