IDFC First's lifetime-free rewards card for young earners, recently made MORE generous on its core 10X reward mechanic (spend threshold removed Jun 2026) even as its points-expiry policy was tightened from lifetime to 24 months — a genuine mixed update rather than a pure devaluation.
Data completeness: 95% · Last verified: 09 Jul 2026
All fees shown base + 18% GST (India card fees legally attract GST).
| Category | Type | Rate | Cap | Notes |
|---|---|---|---|---|
| online_spends | points | 0.75%(3 pts @ ₹0.25) | — | 3X points online |
| dining_offline | points | 0.63%(2.5 pts @ ₹0.25) | — | 10 pts/Rs200 = 5%; applies from first transaction as of Jun 2026 |
| online_travel_booking | points | 0.63%(2.5 pts @ ₹0.25) | — | 10 pts/Rs200 on travel |
| all_spends | points | 0.19%(0.75 pts @ ₹0.25) | — | 3 pts/Rs200 base = 0.75% on other online/offline spends |
Rs500 e-voucher on Rs5,000+ spend within 30 days; 5% cashback (max Rs1,000) on first EMI transaction within 90 days
Railway lounge access
₹3004 complimentary railway lounge visits/quarter (16/year); AC seating, WiFi, buffet, unlimited tea/coffee
Cap ₹4,800 / quarterly. One transaction in preceding month required (per Feb 2025 rule)
Movie ticket discount
₹10025% off (up to Rs100) on one movie ticket/month via District app by Zomato — no spend condition (unlike premium sibling cards)
Cap ₹1,200 / monthly. One transaction on card in preceding calendar month
Dining & wellness discount
Up to 20% off at 1,500+ restaurants; up to 15% off at 3,000+ health & wellness outlets
unlimited. Partner merchant visits