IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Lifetime FreeLifetime Free Rewards
accelerated points & lounge access
Joining Fee
₹0
Annual Fee
₹0
All cards
Bank of Baroda
BOBCARD Uni Credit Card
Lifetime FreeRuPay
A lifetime-free RuPay co-branded credit card from BOBCARD and Uni with zero forex markup, rewards on Uni Store, fuel surcharge waiver and UPI on credit.
Joining fee
₹0
Annual fee
₹0
Rewards
Up to 2% rewards on Uni Store
Best for
International spends, UPI payments and rewards on Uni Store
Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.
Key benefits
- Lifetime free — no joining fee and no annual fee
- 0% foreign exchange markup on international transactions
- Up to 2% rewards / gold rewards on eligible Uni Store purchases
- Exclusive Uni Store benefits and partner brand discounts
- Complimentary domestic airport lounge access as per issuer programme terms
- 1% fuel surcharge waiver on eligible fuel transactions
- RuPay-powered UPI linkage for scan-and-pay on credit
- No-cost EMI conversion on eligible transactions
Fees & charges
- Joining fee
- ₹0 (lifetime free)
- Annual / renewal fee
- ₹0 (lifetime free)
- Lifetime free
- Yes
- Foreign exchange markup
- 0%
- Cash withdrawal fee
- 2.5% of amount or ₹500, whichever is higher
- Card replacement fee
- ₹200 + GST
- Interest rate
- As per issuer schedule of charges
Eligibility
- Indian resident aged 21 or above
- Salaried or self-employed with stable income
- Approval subject to Bank of Baroda / Uni checks
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IDFC FIRST
Zero Fee Classic Card
Lifetime FreeLifetime Free
no annual charges
Joining Fee
₹0
Annual Fee
₹0