IDFC FIRST
Zero Fee Classic Card
Lifetime FreeLifetime Free
no annual charges
Joining Fee
₹0
Annual Fee
₹0
All cards
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
Lifetime FreeVisa
A lifetime-free Visa rewards card that accelerates points on incremental spends, bundles dining and movie benefits, complimentary railway and domestic airport lounge visits, fuel surcharge waiver and roadside assistance.
Joining fee
₹0
Annual fee
₹0
Rewards
Up to 10X Reward Points
Best for
Everyday rewards, dining, travel and fuel
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
- Earn 10X Reward Points on incremental spends above ₹20,000 per statement cycle
- Earn 4X Reward Points on incremental spends between ₹5,000 and ₹20,000 per statement cycle
- Earn 2X Reward Points on all other eligible spends
- Welcome benefit: ₹500 gift voucher on the first transaction within 30 days of card issuance
- Dining benefit: up to 20% off at partner restaurants via Dineout / EazyDiner
- Movie benefit: Buy 1 Get 1 free on movie tickets up to ₹250 per ticket via BookMyShow, twice per month
- Railway lounge: 4 complimentary railway lounge visits per quarter at select non-metro railway stations
- Airport lounge: 4 complimentary domestic airport lounge visits per year (1 per quarter)
- Fuel waiver: 1% fuel surcharge waiver on fuel transactions of ₹200–₹5,000, capped at ₹200 per statement cycle
- Roadside assistance: 24x7 emergency roadside assistance and towing support across India
- Zero liability on lost card upon reporting to IDFC FIRST Bank
Fees & charges
- Joining fee
- ₹0 (lifetime free)
- Annual / renewal fee
- ₹0 (lifetime free)
- Lifetime free
- Yes
- Reward redemption fee
- As per issuer rewards catalogue
- Finance charges
- As per IDFC FIRST Bank schedule of charges
- Foreign transaction fee
- As per issuer terms
- Fuel surcharge waiver
- 1% on fuel transactions of ₹200–₹5,000, capped at ₹200 per statement cycle
Eligibility
- Indian resident with a valid PAN card
- Aged 21 years or above
- Income and creditworthiness as per IDFC FIRST Bank policy
- Approval subject to issuer verification
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Joining Fee
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Annual Fee
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