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CardSetu is a credit-card comparison and referral/distribution platform. CardSetu does not itself issue credit cards; final verification, approval, credit limit and issuance are decided by the relevant issuing institution. Card features, fees and offers are indicative and may change; please confirm with the issuer. Eligibility shown on CardSetu is indicative only. CardSetu may receive referral or distribution compensation from participating partners when customers apply for or obtain eligible products.

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IDFC FIRST Bank
IDFC FIRST Essential

IDFC FIRSTLifetime free

•••• •••• •••• 2048

IDFC FIRST Essential

IDFC FIRST Bank

IDFC FIRST Essential

4.2/ 5

Lifetime Free
Rewards
Fuel

6x points online, 3x offline; 10x above ₹20,000 monthly spend

CardSetu Quick Take

Facts from the CardSetu catalogue · issuer: IDFC FIRST Bank

Best for: People who want a card with no annual fee to keep
Key strength: Lifetime free
Annual fee: Lifetime free
Joining fee: None
Minimum monthly income: ₹25K per month
Lifetime free: Yes
Categories: Lifetime Free,Rewards,Fuel
Main trade-off: Has no airport-lounge benefit.

Product details can change; verify current terms with the issuer before applying. See how CardSetu compares cards.

Key benefits

Lifetime free
Interest-free cash withdrawal up to 48 days
Points never expire

Rewards

6x points online, 3x offline; 10x above ₹20,000 monthly spend

Lounge, movies and fuel

Airport lounge
Not included with this card
Movies
Not included with this card
Fuel
1% fuel surcharge waiver up to ₹200 a month

Who can apply

Indicative criteria for the IDFC FIRST Essential. Final approval is decided by IDFC FIRST Bank.

Age 21+
Minimum ₹25,000 monthly income

Related on CardSetu

All lifetime free cards
All rewards cards
All fuel cards
Guide: Best Lifetime Free Credit Cards on CardSetu
Guide: Cashback vs Rewards Credit Cards: Which Fits You?

Documents you'll need

Keep these handy for the bank's application after your eligibility check.

PAN card
Aadhaar or other address proof
Latest 3 months' salary slips

Fees, benefits and offers are indicative and may change. Please confirm the latest terms on IDFC FIRST Bank's application page before applying.

At a glance

Joining fee: None
Annual fee: Lifetime free
Minimum monthly income: ₹25K

Check eligibility

About 2 minutes. This indicative check does not involve a credit-bureau enquiry.

Unlocks after you complete the eligibility check.

IDFC FIRST Essential

Annual fee: Lifetime free

Check eligibility