Among the main charges associated with a credit card is the annual fee. Credit card companies charge customers to maintain the functionality of their cards. The amount varies from card to card, but there are some credit card providers like IDFC FIRST Bank that offer lifetime-free credit cards. They come free of charge, but have the same features and benefits as cards with an annual fee.
This makes IDFC FIRST Bank's lifetime free credit cards popular and beneficial for its customers. Here are the best lifetime free credit cards in 2023.
1. FIRST Classic Credit Card
The IDFC FIRST Classic Credit Card is a regular credit card that offers numerous benefits such as discounts, complimentary railway lounge access, personal accident coverage, fuel surcharge waiver, and free roadside assistance. Here is a list of privileges offered to a customer through this credit card:
• Four complimentary domestic airport lounge visits per quarter
• Four complimentary railway lounge visits per quarter
• 25% discount on movie tickets up to ₹ 100 purchased on the Paytm mobile app.
• 300+ merchant offers, all year long and up to 20% discount at 1500+ restaurants
• FIRST Classic is a lifetime free credit card that charges no annual fee from the customer
• The card has a low interest rate (APR) from 0.75% to 3.5% per month
2. FIRST Millennia Credit Card
The IDFC FIRST Millennia Credit Card is also a regular credit card. Here are the privileges offered to a customer through the FIRST Millennia Credit Card:
• 25% discount on movie tickets up to ₹ 100 on Paytm mobile app
• Four complimentary railway lounge visits per quarter
• Complimentary roadside assistance worth ₹ 1399
• Fuel surcharge waiver of 1% at all fuel stations across India up to ₹ 200/month
• 300+ merchant offers, all year long and up to 20% discount at 1500+ restaurants
• You can convert all transactions above ₹ 2500 into easy and convenient Equated Monthly Instalments (EMIs) from your mobile app
• FIRST Millennia is a lifetime free credit card that charges no annual fee from the customer
• The card has a low interest rate (APR) from 0.75% to 3.5% per month
3. FIRST Select Credit Card
As IDFC FIRST Bank's premium credit card, FIRST Select Credit Card holders can earn reward points on online and offline purchases and receive a higher credit limit, along with other premium lifestyle benefits. Here are the features of the IDFC FIRST Select Credit Card:
• Customers can avail of four complimentary domestic air lounge visits per quarter and four complimentary railway lounge visits per quarter
• ‘Buy one get one’ offer on movie tickets worth up to ₹ 250 on Paytm mobile app (valid twice per month)
• 300+ merchant offers, all year long and up to 20% discount at 1500+ restaurants
• Complimentary roadside assistance worth ₹ 1399
• Personal accident cover of ₹ 5,00,000 and a lost card liability cover of ₹ 50,000
• FIRST Millennia is a lifetime free credit card that charges no annual fee from the customer
• The card has a low interest rate (APR) from 0.75% to 3.5% per month
4. FIRST Wealth Credit Card
The IDFC FIRST Wealth Credit Card offers travel benefits, evergreen rewards, the lowest interest rates, and exclusive lifestyle benefits. Here are the benefits of opting for this card:
• Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
• 5% cashback (up to ₹1000) on the transaction value of the first EMI done within 90 days of card generation
• 'Buy one, get one' offer on movie tickets up to ₹500 on Paytm mobile app (valid twice per month)
• 300+ merchant offers, all year long! | Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ health & wellness outlets
• Four complimentary domestic and international airport lounge, spa visits per quarter
• Two complimentary golf rounds per month for every ₹20,000 of monthly statement spends
• Complimentary roadside assistance worth ₹1,399
• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹400/month
• Air accident cover of ₹1 crore
• Personal accident cover of ₹10,00,000* and lost card liability cover of ₹50,000
• It’s is a lifetime free credit card that charges no annual fee from the customer
• The card has a low interest rate (APR) from 0.75% to 3.5% per month
You can apply for an IDFC FIRST Bank lifetime free credit card by visiting the bank’s branch or applying online.
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