IDFC First Earn Credit Card 2025
Save up to ₹35,000+ every year with 10X rewards, 4 lounge visits & completely free card!
If you spend more than ₹20,000 every month, the IDFC First Earn Credit Card is currently the highest rewarding lifetime-free card in India!
You get 10X reward points on all spends above ₹20,000/month (3X below), 4 domestic lounge visits, ₹500 gift voucher on first transaction, 1% fuel waiver, zero forex on UPI (up to ₹5,000), and right now approved as Lifetime Free for most users.
Reward points never expire & can be redeemed for cash, vouchers, flights, Apple products!
Why This Is The Best LTF High-Spend Card in 2025?
10X above ₹20K • 4 lounge visits • ₹500 welcome • Zero fee forever • Never-expiring points • Instant redemption
Best for: High spenders, lounge users, reward maximizers, LTF lovers
Lifetime Free – No joining or annual fee ever (current batch)
Card At a Glance
₹0 (LTF)
₹0 (Lifetime Free current)
10X above ₹20K | 3X below
Reward Points (Never Expire)
4 Domestic/year
₹500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | Nil (LTF offer) |
| Annual Fee | Nil (Lifetime Free current batch) |
| Welcome Benefit | ₹500 Gift Voucher on first transaction |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 3.5% (0% on UPI up to ₹5K) |
| Interest Rate | 0.75%–3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹400/month) |
Detailed Reward Rates (2025)
- 10X Reward Points on incremental spends above ₹20,000 per month
- 3X Reward Points on spends up to ₹20,000 per month
- 1X Reward Points on wallet loads, rent, government
- Reward Points never expire
- 4 domestic lounge visits per year (1 per quarter)
Airport Lounge Access
4 complimentary domestic lounge visits per year (1 per quarter)
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- Purchase protection up to ₹75,000
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X rewards above ₹20K/month | Only 4 lounge visits |
| 4 domestic lounge visits | 3.5% forex (except UPI) |
| Lifetime completely free | |
| Points never expire | |
| ₹500 welcome voucher |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Income: ₹36 Lakh p.a. or ₹3 Lakh/month salary
- Credit Score: 750+
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit IDFC First Bank website → Credit Cards → Earn Card
- Click Apply Now → Enter mobile number
- Fill details → Video KYC in 2 minutes
- Card activated instantly (virtual first)
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ every month, IDFC First Earn gives you 10X never-expiring rewards + 4 lounge visits + zero fee forever — hands-down the best lifetime-free high-spend card in India right now. Don’t think twice, just grab it!
Frequently Asked Questions (FAQs)
Is it really lifetime free?
Yes, current approvals are completely Lifetime Free.
How many points above ₹20K?
10X reward points on every rupee above ₹20,000/month.
Lounge access?
4 domestic lounge visits per year.
Points expiry?
Never — lifetime validity.