IDFC FIRST BankVisaLifetime FreeSelect Credit Card
3.8NeoFinQ editorial rating
Lifetime free premium card with 8 lounge visits
- Lifetime free
- 8 total lounge visits
- UPI rewards
- Joining fee
- ₹0
- Annual fee
- ₹0
- Reward type
- hybrid
- Best for
- Travel
- Est. rewards
- ₹19,000/yr
Our verdict
Best premium lifetime-free card with lounge access.
Perfect for
- Premium seekers wanting no fee
- Travelers
Not ideal for
- Low-income users
Pros & cons
- Lifetime free
- 8 total lounge visits
- UPI rewards
- High income requirement for a free card
Rewards
3X on offline, 6X on online (spends up to ₹20K), 10X on spends above ₹20K monthly and on birthdays
| Category | Earn rate |
|---|---|
| Travel | 5% |
| Utilities | 5% |
| Cashback | 3% |
Welcome offer
₹500 gift voucher on spending ₹5,000 within 30 days of card activation
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 2 complimentary domestic airport lounge visits per quarter and 4 complimentary railway lounge visits per quarter (subject to minimum spend of ₹20,000 in previous month for both)
More benefits
- Welcome Bonus: ₹500 gift voucher on spending ₹5,000 within 30 days of card activation
- Additional Benefits: Buy 1 Get 1 movie ticket offer on Paytm (up to ₹250); Complimentary Roadside Assistance (RSA) worth ₹1399; Personal Accident Cover
Fees & charges
| Joining fee | ₹0 |
| Annual fee | ₹0 (Lifetime Free) |
Eligibility
Min. income (annual)
₹12L
Employment
Salaried / Self Employed
Similar cards
Not sure this is the one?
Let NeoFinQ check the fit — answer a few questions about your spending and we'll rank every card for you. 60 seconds, no credit-score impact.
Find My Best CardSelect Credit Card
Lifetime Free