IDFC FIRST Bank
LTF rewards card with lounge perks & no income proof
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Pros
Cons
The IDFC FIRST Credit Card is best suited for individuals whose primary spending falls in Rewards and Lounge Access. Since it is lifetime free, it is ideal for anyone who wants solid benefits without worrying about recurring annual charges. No income proof is needed, making it accessible to students, self-employed individuals, and gig workers. With an approval rate of 92% and processing in Instant/up to 3 days, this card is one of the easier options to get approved for.
The IDFC FIRST Credit Card is lifetime free — there is no joining fee or annual fee ever.
IDFC FIRST Bank typically processes the IDFC FIRST Credit Card in Instant/up to 3 days. The actual timeline depends on your credit score, income documents, and internal bank verification.
No. The IDFC FIRST Credit Card does not require salary proof. It is accessible to students, self-employed individuals, and those without formal income documentation.
Checking your eligibility on CreditPlanner.in is a soft check and does not impact your CIBIL score. However, submitting a formal application to IDFC FIRST Bank will trigger a hard enquiry on your credit report.
Lifetime free card with no joining/annual fee. 1 pt/₹150 on all spends. Unlimited domestic lounge access (select cards).
The IDFC FIRST Credit Card is best suited for individuals who spend on Rewards and Lounge Access. Being lifetime free, it is ideal for those wanting benefits without recurring charges.
Disclaimer: Information about IDFC FIRST Credit Card — including fees, benefits, and eligibility — was accurate as of 2026-03-28 but may change without notice. Always verify details directly with IDFC FIRST Bank before applying. Approval is solely at the bank's discretion. CreditPlanner.in may earn affiliate commissions on successful applications; this does not influence our ratings or rankings.