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IDFC First OneCard Credit Card Review

Rewards card

The IDFC First OneCard is lifetime free (no joining or annual fee). It earns 0.2% back on regular spends. Best for: app-first users wanting a free metal card with low forex — our verdict: consider.

Vyaya Team · Aug 2026
5 min read
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Value Score
9.0 / 10
Annual Fee
₹0
Best For
No-Fee International User, Family Limit Sharer
Network
Visa
Expert Verdict

The IDFC First OneCard is a free, app-first metal card with a low 1% forex markup, instant non-expiring rewards and family limit sharing. The Rs 0.1 point value and absence of lounge access cap its rewards appeal, so it suits those who value the digital experience and low forex over raw earning.

IDFC FIRST BANKVisa
IDFC First OneCard
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REWARD SUMMARY
0.2% Base Rewards
Rewards card
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The Bottom Line

The IDFC First OneCard is built for no-fee international user and family limit sharer. With no annual fee, it offers 1% rewards on other and low forex markup. It makes the most sense if your spending matches no-fee international user and family limit sharer.

It earns a base reward rate of 0.2% and stacks best when your spending lines up with No-Fee International User, Family Limit Sharer.

What we like
+Zero joining and zero annual fee with accelerated earning of 5 points per Rs 50 (5x the base) on top spend categories
+Low 1% foreign currency markup, well below the typical 3.5%, making it travel-friendly
+Metal, number-less, contactless card with full controls via the OneCard app
+Reward points are credited instantly, never expire, include fractional points and carry zero redemption fee
+MyFamily lets you share the credit limit and track family members' spends
What we don't
–Reward points are worth only Rs 0.1 each, the lowest in this group, so even the 5x rate is modest in value
–No airport lounge access (0 domestic, 0 international)
–Fuel, wallet loads, cash withdrawals and transfers earn no reward points
–No milestone or bonus spend rewards

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
No-Fee International User

Users wanting a free card with a low 1% forex markup and a premium metal, app-controlled experience

+
Family Limit Sharer

Households wanting to share the credit limit and track spends via the OneCard MyFamily feature

Probably not for

Skip
–
Lounge Seeker

Travellers needing lounge access, which the card does not offer

–
Rewards Value Maximiser

Those focused on point value, given the low Rs 0.1 per point worth

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

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Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual feeFREE
Net Value (Year 1)+₹0
Net Value (Year 2+)+₹0

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Reward Rates

IDFC First OneCard offers 0.2% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Other
1%

Welcome Offer

Welcome Benefit

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹3 Lakhs
  • Min Credit Score: 750
  • Age 18+ (typically 21+); salaried or self-employed; ~Rs 3L p.a. income; 750+ CIBIL advised; metal lifetime-free card (IDFC FIRST variant largely discontinued, replaced by FIRST Select).

Exclusions & Terms

Forex markup

  • Foreign currency markup

Cash Withdrawals

  • Cash withdrawals do not earn reward points.

Transfers

  • Transfers of any kind do not earn reward points.

Frequently Asked Questions

6 data-backed answers from our card database

What is the annual fee of the IDFC First OneCard credit card?+

None — the IDFC First OneCard is lifetime free (no joining or annual fee).

What rewards does the IDFC First OneCard credit card give?+

It earns 1 Reward Points per ₹50 spent (about 0.2% back).

Does the IDFC First OneCard credit card offer airport lounge access?+

No, the IDFC First OneCard does not include complimentary airport lounge access.

What is the eligibility for the IDFC First OneCard credit card?+

Minimum annual income of about ₹3 lakh and a credit score of 750+. Age 18+ (typically 21+); salaried or self-employed; ~Rs 3L p.a. income; 750+ CIBIL advised; metal lifetime-free card (IDFC FIRST variant largely discontinued, replaced by FIRST Select).

What is the forex markup on the IDFC First OneCard?+

3.5% + GST on international transactions.

Is the IDFC First OneCard credit card worth it?+

The IDFC First OneCard is lifetime free (no joining or annual fee). It earns 0.2% back on regular spends. Best for: app-first users wanting a free metal card with low forex — our verdict: consider.

Ready to apply?

No annual fee. Apply on the IDFC First Bank website.

Apply on IDFC First Bank →

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