IDFC FIRST BankVisaLifetime FreeClassic Credit Card
3.8NeoFinQ editorial rating
Simple lifetime-free card
- No fee
- UPI compatible
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- points
- Best for
- UPI
- Est. rewards
- ₹19,000/yr
Our verdict
Simple free card for basic needs.
Perfect for
- Basic card seekers
- UPI users
Not ideal for
- Premium seekers
Pros & cons
- No fee
- UPI compatible
- Basic rewards
Rewards
3X on offline spends, 6X on online spends up to ₹20,000, 10X on incremental spends above ₹20,000, 10X on Birthday spends. 1X = 1 Reward Point per ₹150. Rental, Property Management, Fuel, and Insurance excluding EMI earn 1X; Utility and Education earn 1X.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 3% |
| Utilities | 5% |
| Online Shopping | 5% |
| Cashback | 3% |
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 4 complimentary railway lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Min. income (annual)
₹3L
Employment
Salaried / Self Employed
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