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SimplifyCards take: For a top lifetime free card with great perks, the IDFC FIRST Wealth Credit Card stands out, offering good rewards and lounge access benefits. If travel is your primary focus, the Scapia Federal Credit Card and BOBCARD Scapia Credit Card are excellent alternatives, both being lifetime free with zero forex markup and lounge access specifically designed for travellers.
Lifetime free card, Optimized for lifetime free and lounge, featuring low 1.5% forex markup and complimentary lounge access.
Lifetime free card, Optimized for travel and zero forex, featuring low 0% forex markup and unlimited airport lounge access.
Lifetime free card, Optimized for travel and zero forex, featuring low 0% forex markup and unlimited airport lounge access.
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| Feature | IDFC FIRST Wealth Credit Card | Scapia Federal Credit Card | BOBCARD Scapia Credit Card |
|---|---|---|---|
| Best for | lifetime free, lounge, golf | travel, zero forex, lounge | travel, zero forex, lounge |
| Reward rates | 0.1% - Base reward rate upto 1.3% - accelerated reward rate | 0.2% - Base reward rate upto 0.8% - accelerated reward rate | 0.2% - Base reward rate upto 0.8% - accelerated reward rate |
| Annual fee | Rs 0 | Rs 0 | Rs 0 |
| Domestic lounge | 8 | Unlimited | Unlimited |
| International lounge | 8 | 0 | 0 |
| Forex markup | 1.5% | 0% | 0% |