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
IDBI Bank · RuPay
IDBI Bank Aspire RuPay
Lifetime-free RuPay card for IDBI customers who want UPI-linked credit.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: 1 pt per ₹100 incl. UPI.
- No complimentary airport lounge access on this card.
Also worth comparing for free rupay basics
IDFC FIRST Bank
Data verifiedIDFC FIRST Millennia
Entry lifetime-free card with welcome vouchers and one railway lounge visit each quarter.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
Bank of India
Data verifiedBank of India RuPay Platinum
Lifetime-free RuPay card that lets you pay by UPI and still earn points.
1 pt per ₹100 incl. UPI
Annual fee
Lifetime free
Ready to apply for the IDBI Bank Aspire RuPay?
Takes under a minute. We hand you off to IDBI Bank's official secure application — no middlemen, no data resold.