IDFC FIRST Bank Credit Card
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 500 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
The IDFC FIRST Bank Credit Card is a lifetime-free card with strong everyday rewards, dining and movie savings, and built-in insurance protection. There’s no joining or annual fee, reward points never expire, and you can apply online in minutes.
Key benefits
- Lifetime free — no joining fee and no annual fee
- Reward points that never expire — 6X on online spends, 10X on monthly spends above ₹20,000, and 10X on birthday spends; redeem them instantly while you shop
- Welcome gift voucher worth ₹500
- 25% off on movie tickets once a month (via Paytm) and flat 25% off on restaurant bills
- Up to 20% discount across 1,500+ restaurants
- 1% fuel surcharge waiver (up to ₹200 per month)
- Complimentary airport lounge access and cashback on EMI transactions
- Built-in insurance — personal accident cover and lost-card liability cover
Frequently asked questions
Can existing IDFC Bank customers apply?
No — this offer is for customers who are not existing IDFC FIRST Bank customers.
What is the minimum age?
You must be at least 21 years old.
How do I apply?
Tap “Apply Now”, then complete the application on IDFC FIRST Bank’s page.
How long does the process take?
After you submit your application, the bank typically updates the status within 4–10 days, and the card is delivered in about 14–20 working days.
Fees & charges: Lifetime free — no joining fee and no annual fee. A credit score of 710+ and residence in a serviceable city apply. Card issuance, credit limit, benefits and eligibility are decided solely by IDFC FIRST Bank as per their prevailing terms.
Terms that matter
- This offer is for new customers only — existing IDFC FIRST Bank customers are not eligible.
- Applicants must be 21 years or older (salaried or self-employed), with a minimum credit score of 710+.
- Income guide: around ₹30,000/month for salaried, or ₹5 lakh+ annual tax return for self-employed applicants.
- Available to residents of serviceable cities — check your PIN code during the application.
- Your Aadhaar must be linked with your mobile number for KYC verification.
- Documents: Aadhaar card, PAN card, address proof and income proof (salary slip).
- Complete the application in a single journey on your own device, within 30 days, using the same link — or the application may be rejected.
- Card issuance, credit limit, benefits and fees are at the sole discretion of IDFC FIRST Bank as per their prevailing terms.
Earn 500 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.