Zero joining fee, zero annual fee, for good — every card in our lineup that actually qualifies.
A lifetime-free card charges no joining fee and no annual fee, ever — not just a waived first year. Two of the 9 cards below (YES Bank POP-Club and Jupiter Edge+) are lifetime-free only under a current promotional offer rather than a permanent policy, which is noted on their own fee breakdown.
10X Reward Points on dining, travel, international spends and your birthday; 3X on other general spends (international spends stop earning points from 26 Oct 2026)
1X Reward Points on utility, insurance, railway and FASTag spends
Revolving interest from 8.5% p.a. — the same low bank-wide rate as IDFC First’s other cards, not a Wealth-exclusive perk
Zero forex mark-up on international spends
8 complimentary lounge visits a year (4 domestic + 4 international) on ₹20,000 spend in a calendar month, usable the following month, plus 4 railway lounge visits a year on the same spend gate