#1
IDFC FIRST Bank
IDFC FIRST Wow Credit Card
★★★★★ 4.6
₹0 joining ₹0 annualReward: 1%Income: No income proof needed
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IDFC FIRST · Lifetime Free Lineup
Best Lifetime Free Credit Cards from IDFC FIRST (2026)
Every IDFC FIRST credit card with ₹0 joining fee AND ₹0 annual fee forever — no spend-based waiver, no surprise renewal charges. 2 cards qualify as of 2026.
What "lifetime free" means here
₹0 joining fee + ₹0 annual fee forever, with no spend threshold required. We exclude "first-year free" cards that start charging from year 2. Each card's MITC clause has been verified before listing.
2 IDFC FIRST LTF cards available
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