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. Six of the 12 cards below (YES Bank POP-Club, AU Altura+, AU Vetta, IndusInd Legend, Axis Bank Neo and HDFC Pixel Play) are lifetime-free only under a current promotional offer, card-network variant or application channel rather than a permanent policy, which is noted on their own fee breakdown.
HDFC offers it lifetime free only when you apply online; otherwise the standard ₹500 + GST fee applies
5% cashback on any 2 spend packs of your choice, from 5 available (BookMyShow+Zomato, MakeMyTrip+Uber, Blinkit+Reliance Smart Bazaar, Electronics via Croma & Reliance Digital, Fashion via Nykaa & Myntra)
At least 1 lounge visit per quarter with combined domestic and international access, via a Priority Pass membership (gated on quarterly spend; exact visit count worth reconfirming with AU support)
1,000 bonus points on a birthday retail transaction (fuel excluded)
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