Lifetime Free (No Annual Fee) Credit Cards with IRCTC Railway Lounge Access Offers in India 2026

Lifetime free card – zero annual fee : No annual fee is charged on your card

Welcome benefits
– You get a welcome voucher worth ₹500, by spending ₹5000 or more within 90 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.

Complimentary railway lounge access – 4 times per quarter 

On monthly card spends upto ₹20000 : 1% benefit on all online spends (6X) || 0.50% benefit on all offline spends (3X)
✓ 1% benefit on online spends : You earn 4 reward points worth ₹1, on every ₹100 you spend on your card
✓ 0.50% benefit on offline spends : You earn 2 reward points worth 50 paise , on every ₹100 you spend on your card
✓ 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 0.16% benefit on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)
– You earn 0.50% benefit on rental spends (2 points worth 50 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 1.66% benefit on all spends, online as well as offline (10X)
– You earn 6.66 reward points worth ₹1.66, 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.

0.16% benefit on insurance spends and utility bill payments (X)
– You earn 0.66 reward points worth 16 paise , on every ₹100 you spend on your card in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Movie ticket discount, upto ₹100 per month
– You get 25% discount (up to ₹100), on movie tickets on Paytm Mobile App.
– This is valid once per month.

Fuel surcharge waiver, upto ₹200 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 ₹20,000 per month (since the waiver amount is capped at ₹200 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 insurance covers
– ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.

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 movie discounts, complimentary roadside assistance, complimentary insurance covers, complimentary railway lounge access.

Drawbacks to consider
– The reward rate on card spending is comparatively low.

Lifetime free premium card, exclusively for Indian Defence and Paramilitary personnel

2.50% benefit on canteen stores departments (CSD) purchases || grocery purchases || department store purchases (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total monthly purchases upto ₹10,000 across these 3 categories (since you can earn a maximum of 1000 reward points at this special rate).
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.

0.50% benefit on all other card spends (X)
– You earn 2 reward points worth ₹0.50 (50 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed for products, vouchers and more.
– Note : No reward points are given on fuel purchases, utility bills, international spends, insurance spends, cash advance, ATM withdrawals, EMI transactions, balance transfer, personal Loan on credit card fees and other charges.

Complimentary international airport lounge access – 2 times per year

Complimentary domestic airport lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary domestic railway lounge access – 2 times per quarter
– This benefit is applicable only if you have spent a minimum of ₹5000 on your credit card, in the previous quarter

Complimentary golf rounds, upto 4 rounds per month
– You get 1 complimentary golf round, for every ₹50000 you spend on your card in the previous month.
– Upto a maximum 4 rounds per month (₹50,000 monthly card spend required for each round of golf).

Complimentary insurance benefits
– Personal accident insurance of ₹2 lakh
– Air accident cover of ₹20 lakhs

Benefits
– Lifetime free card, exclusively for Indian Defence and Paramilitary personnel.
– Higher benefit of 2.50% on various types of shopping purchases including canteen stores departments (CSD) purchases. And also on grocery and department store purchases
– Complimentary international airport lounge access (2 times per year)
– Complimentary domestic airport lounge access (2 times per quarter)
– Complimentary domestic railway lounge access (2 times per quarter)
– Complimentary golf rounds, upto 4 rounds per month

Drawbacks to consider
– The reward rate on non-shopping spends like travel, fuel etc is low

▶︎ 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 90 days of card generation.
– You enjoy 5% cashback (upto ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

On monthly card spends upto ₹20000 : 1% benefit on all online spends (6X) || 0.50% benefit on all offline spends (3X)
✓ 1% benefit on online spends : You earn 4 reward points worth ₹1, on every ₹100 you spend on your card
✓ 0.50% benefit on offline spends : You earn 2 reward points worth 50 paise , on every ₹100 you spend on your card
✓ 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 0.16% benefit on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)
– You earn 0.50% benefit on rental spends (2 points worth 50 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 1.66% benefit on all spends, online as well as offline (10X)
– You earn 6.66 reward points worth ₹1.66, 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.

0.16% benefit on insurance spends and utility bill payments (X)
– You earn 0.66 reward points worth 16 paise , on every ₹100 you spend on your card in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Complimentary railway lounge access – 4 times per quarter

Movie ticket discount, upto ₹100 per month
– You get 25% discount (up to ₹100), on movie tickets on Paytm Mobile App.
– This is valid once per month.

Fuel surcharge waiver, upto ₹200 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 ₹20,000 per month (since the waiver amount is capped at ₹200 per monthly card statement cycle).

Complimentary insurance covers
– ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.

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

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 railway lounge access (4 times per quarter), movie benefits, roadside assistance, complimentary insurance covers.

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

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.