IDFC FIRST Bank
ReviewedIDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
Bank of Baroda · Visa / RuPay
BoB Easy Credit Card
Fee waives at just ₹25,000 of annual spend, so it is effectively free for most users.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹500 + GST, renewal ₹500 + GST.
- Annual fee waives once you spend ₹25,000 in a card year.
- Headline earn rate: 5% on groceries & movies.
- No complimentary airport lounge access on this card.
Also worth comparing for low-spend households
ICICI Bank
Data verifiedICICI Bank Coral Credit Card
Buy-one-get-one movie tickets and quarterly lounge visits at a modest fee.
2 pts per ₹100Lounge access
Annual fee
₹500 + GST
AU Small Finance Bank
Data verifiedAU Bank Altura
A ₹199 card that still pays cashback on groceries and fuel — a fine first card.
1.5% on groceries & fuel
Annual fee
₹199 + GST
Ready to apply for the BoB Easy Credit Card?
Takes under a minute. We hand you off to Bank of Baroda's official secure application — no middlemen, no data resold.