IDFC FIRST Bank Credit Card Review 2026 (Hindi Guide): Lifetime Free Rewards
IDFC FIRST Bank India ke credit card market me 2026 tak ek strong naam ban chuka hai, specially apne Lifetime Free Credit Cards ki wajah se. Matlab no joining fee, no annual fee – lifetime, phir bhi rewards aur benefits milte hain.
Agar aap first time credit card lene ka plan kar rahe ho ya ek lifetime free credit card chahte ho jisme decent rewards aur strong banking support mile, to IDFC FIRST Bank Credit Card aapke liye ek solid option ho sakta hai.
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Is detailed guide me hum cover karenge:
- Card ke benefits
- Rewards system
- Fees & charges
- Eligibility
- Pros & Cons
- FAQs
IDFC FIRST Bank Credit Card – Overview
| Feature | Details |
|---|---|
| Card Type | Unsecured Credit Card |
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 |
| Network | Visa / Mastercard / RuPay |
| Reward Validity | No Expiry |
| Best For | Beginners & Daily Spending |
Key Highlight – Lifetime Free Card
IDFC FIRST Bank ka sabse bada plus point ye hai ki ye card lifetime free hai.
- No joining fee
- No annual fee
- Spend condition nahi
Note: Agar aap RuPay / UPI variant choose karte ho, to ₹199 + GST nominal fee lag sakti hai.
Reward Points Structure
| Transaction Type | Rewards |
|---|---|
| Online & Offline Spends | 3X Reward Points |
| Monthly Spend Above ₹20,000 | 10X Reward Points |
| Insurance & Utility Bills | 1X Reward Points |
| Reward Expiry | No Expiry |
Rewards ka fayda kya hai?
- Aap reward points ko shopping, vouchers ya statement credit me redeem kar sakte ho
- Points kabhi expire nahi hote (ye feature rare hai)
Additional Benefits Jo Is Card Ko Special Banate Hain
- 25% off on movie tickets (Once per month via Paytm)
- Free Road Side Assistance worth ₹1499
- Up to 20% discount on 1500+ restaurants
- Insurance Protection
- Personal Accident Cover
- Lost Card Liability Cover
Fees & Charges
| Charge Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Interest Rate | Approx 3.75% per month |
| Late Payment Fee | Up to ₹1,250 |
| Cash Withdrawal Fee | ATM Charges Applicable |
Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age | 21 – 65 Years |
| Income | ₹15,000+ per month (recommended) |
| Employment | Salaried / Self Employed |
| Credit Score | 650+ (Flexible) |
Tip: Agar aapka CIBIL low hai ya no credit history hai, tab bhi approval ke chances rehte hain.
Pros
- Lifetime free card
- No reward expiry
- Beginner friendly approval
- Decent rewards on daily spends
- Strong mobile app & customer support
Cons
- Premium lounge access nahi
- High cashback lovers ke liye average
- Utility spends par limited rewards
FAQ Section
Is IDFC FIRST Bank Credit Card really lifetime free?
Yes, this card has zero joining and zero annual fee for lifetime.
IDFC FIRST credit card minimum salary required?
Recommended minimum salary is ₹15,000 per month.
Is IDFC FIRST Bank credit card good for beginners?
Yes, it is one of the best beginner friendly credit cards in India.
Does IDFC FIRST credit card reward points expire?
No, reward points never expire.
Can I use IDFC FIRST credit card for UPI payments?
Yes, RuPay variant allows UPI payments with a nominal fee.
Conclusion
Agar aap lifetime free, trusted bank aur beginner-friendly credit card dhundh rahe ho, to IDFC FIRST Bank Credit Card ek safe aur smart choice hai. Is card ka sabse bada plus point hai zero joining fee, zero annual fee aur reward points ka no-expiry feature, jo isse long-term use ke liye ideal banata hai.
Daily online aur offline spends par 3X rewards, ₹20,000+ monthly spending par 10X rewards, saath hi movie tickets, dining discounts aur insurance benefits—ye sab milkar is card ko value-for-money option banate hain, khaaskar un logon ke liye jo abhi credit card journey start kar rahe hain.
Haan, agar aap airport lounge access ya high cashback premium cards chahte ho, to ye card shayad aapki expectations fully match na kare. Lekin credit score build karne, regular expenses manage karne aur without annual fee tension ke liye ye card ek balanced aur reliable option hai.
Beginners + Lifetime Free + Simple Rewards = IDFC FIRST Bank Credit Card
Credit card approval, limits, and offers depend on bank policies and your credit profile. Please read all terms and conditions carefully before applying. Affiliate Disclosure:
This article contains affiliate links. If you apply using our link, we may earn a small commission at no extra cost to you.
