IDFC First Airport Lounge Access Offers Credit Cards in India 2026

▶︎ Lifetime free card, with welcome offers
– You get a welcome voucher worth ₹500, on spending ₹5,000 or more within 30 days of card generation.

▶︎ On monthly card spends upto ₹20000 : 1.50% benefit on online spends (6X) || 0.75% benefit on offline spends (3X)
✓ 1.50% benefit on online spends : You earn 6 reward points worth ₹1.50, on every ₹100 you spend
✓ 0.75% benefit on offline spends : You earn 3 reward points worth 75 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.25% benefit on insurance spends & utility bill payments (1 reward point worth 25 paise, on every ₹100 you spend)
– You earn 0.75% benefit on rental spends (3 reward point worth 75 paise, on every ₹100 you spend)

▶︎ On monthly card spends above ₹20000 and on your birthday : 2.50% benefit on all spends, online as well as offline (10X)
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise
– Note : rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

▶︎ 0.25% benefit on insurance spends and utility bill payments (X)
– You earn 1 reward point worth 25 paise, on every ₹100 you spend in this category

▶︎ Complimentary golf benefits – upto 2 golf rounds per month
– You get maximum 2 free golf rounds per month (1 free round for every ₹20,000 you spend on your card in the previous month).

▶︎ Complimentary airport lounge (both domestic and international) & domestic airport spa access – total 4 times per quarter
– You need to spend ₹5000 on your card in the previous month, to avail this offer

▶︎ Complimentary railway lounge access – 4 times per quarter

▶︎ Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹1000 per month
– You get upto ₹500 off on the 2nd ticket, on Paytm mobile app.
– This is valid 2 times per month.

▶︎ Fuel surcharge waiver, upto ₹400 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹40,000 per month (since the waiver amount is capped at ₹400 per monthly card statement cycle).

▶︎ Emergency complimentary roadside assistance (RSA) package worth ₹1399
- You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
- You can avail this benefit up to 4 times a year.

▶︎ Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

▶︎ Complimentary insurance covers
– You get a ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– You receive a ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– You get a complimentary air accident cover of ₹1 crore
– You get a complimentary travel insurance cover of USD 1200 : Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Benefits
– Premium card offering, with no annual fee (lifetime free card)
– Range of benefits like complimentary airport & railway lounge access, free golf rounds, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– Reward rates on card spending are comparatively low.

Lifetime free card, with welcome offers
✓ Welcome offers :
– You get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
– You enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

On monthly card spends upto ₹20000 : 1.20% benefit on all online spends (6X) || 0.60% benefit on all offline spends (3X)
✓ 1.20% benefit on online spends : You earn 4.80 reward points worth ₹1.20, on every ₹100 you spend
✓ 0.60% benefit on offline spends and rental spends : You earn 2.40 reward points worth 60 paise, on every ₹100 you spend
✓ 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.20% benefit on insurance spends & utility bill payments (0.80 points worth 20 paise, on every ₹100 you spend)
– You earn 0.60% benefit on rental spends (2.40 points worth 60 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 2% benefit on all spends, online as well as offline (10X)
– You earn 8 reward points worth ₹2, on every ₹100 you spend in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
– Note : Rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

0.20% benefit on insurance spends and utility bill payments (X)
– You earn 0.80 reward points worth 20 paise, on every ₹100 you spend
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Complimentary domestic airport lounge access – 4 times per quarter
– You need to spend ₹5000 on your card the previous month, to avail this benefit

Complimentary railway lounge access – 4 times per quarter

Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹500 per month
– You get upto ₹250 off on the 2nd ticket – on Paytm mobile app.
– This is valid 2 times per month.

Fuel surcharge waiver, upto ₹300 per month
– You get a 1% fuel surcharge waiver, at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹30,000 per month (since the waiver amount is capped at ₹300 per monthly card statement cycle).

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations
– Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

Complimentary insurance covers
– ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
– ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
– Air accident cover of ₹1 crore
– Travel insurance cover of USD 300 : loss of checked-in baggage – USD 100; delay of checked-in baggage – USD 67; loss of passport and other documents – USD 67; delay in flight – USD 67

Benefits
– The card is a good choice for those who value the simplicity of a lifetime free card
– The card offers a range of benefits like complimentary domestic airport & railway lounge access, movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– You can get better rewards on card spends on some of the other cards in the marketplace.