Lifetime Free Card and Earn Upto 10X Reward Points - Mumbai

Lifetime FREE - No Joining or Annual fee
Earn 3X Reward Points on eligible online and offline spends up to Rs 20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance, IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: Rs 0.25 per point
Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend Rs 20,000 or more in the previous calendar month
Spend Rs 5,000 within 30 days of card activation and receive a Rs 500 welcome voucher (choice of partner brands). Also get 5% cashback (up to Rs 1,000) on your first EMI transaction within 30 days of card activation
Receive complimentary roadside assistance worth Rs 1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A Rs 99 + GST fee applies per redemption
Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme

FEES AND LIST OF CHARGES
Joining Fee: Nil
Annual Fee: Nil

DOCUMENTS NEEDED
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar, Passport, or utility bills
Income Proof: Bank statements or Salary slips
Photograph: Recent passport-sized photo

ELIGIBILITY CRITERIA
Age: 21 to 65 years
Employment: Both salaried and self-employed individuals
Salaried Income: Rs 25,000/monthly
Self Employed: Rs 3,00,000/annum
Credit Score: 720+

NOT GETTING SALES?
PRO TIP: You're Earning Upto Rs 1050 Profit on Credit Card Activation
Why not share some with your friends to ensure they always shop via your link?

IMPORTANT T&Cs:
Tracking Time: 72 Hours after Application ID Generation
Confirmation Timeline: Within 75 Days of Card Activation
Profit on IDFC Bank App Applications: Not Applicable
Profit on Referral Earnings: Not Applicable
If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Profit
A minimum transaction of Rs 100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Profit
Please use Aadhaar linked mobile number to fill the application
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Profit.

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