🏦 IDFC FIRST Bank India — Complete Credit Card Guide 2026
Best IDFC FIRST Bank Credit Cards in India 2026
Compare all IDFC FIRST Bank credit cards — including 5 lifetime-free
cards with never-expiring reward points, low interest rates from 9%
p.a., and unique benefits like interest-free ATM cash withdrawal.
Find your perfect card and apply online today.
✅ Lifetime FREE Cards:
FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth
FIRST WOW!
About IDFC FIRST Bank Credit Cards
IDFC FIRST Bank entered the credit card market in 2021 and has
rapidly grown to over
37 lakh active cardholders as of May 2025 —
making it one of India's fastest-growing credit card issuers. The
bank's defining edge:
5 lifetime-free credit cards with no joining or
annual fees, industry-low interest rates starting at just
9% per annum, and a rewards program where points
never expire.
Unlike most Indian banks that charge interest from the date of cash
withdrawal,
IDFC FIRST Bank offers up to 48 days of interest-free cash
withdrawal
— a unique benefit that makes it stand out for emergency liquidity
needs. The bank's reward points also never cap or expire, letting
cardholders accumulate value over time without the pressure of
annual expiry.
The portfolio covers every category: lifestyle (Millennia, Classic,
Select, Wealth), ultra-premium (FIRST Private, Ashva, Mayura), fuel
(HPCL Power & Power+), health (LIC Classic & LIC Select co-branded),
and youth-focused (SWYP). Nearly all core cards are on the
Visa or Mastercard network with a digital RuPay UPI
variant available as an add-on.
5 Lifetime-Free Cards
FIRST Millennia, Classic, Select, Wealth & WOW! — zero joining
or annual fee, forever
Points Never Expire
Reward points on all IDFC FIRST credit cards have no expiry —
accumulate freely and redeem on your terms
Low Interest — 9% p.a.
Interest rates start at just 9% p.a. — significantly lower than
most banks' 36–42% p.a. starting rates
Best IDFC FIRST Bank Credit Cards in India 2026
Here are the top IDFC FIRST Bank credit cards —
across lifestyle, fuel, health, and youth categories — with full
details on fees, rewards, and the ideal user for each card.
IDFC Card
HPCL IDFC FIRST Power Credit Card
0.5/ 5
Fuel
Reward
Rewards
- Get 3.5% savings on fuel with 21 reward points per ₹150 on HPCL (up to 700 points per cycle)
- Earn 1.5% savings via HP Pay with 6 Happy Coins per ₹100 (up to 600 per month)
Apply Now →
IDFC Card
IDFC FIRST Bank Millennia Credit Card
4.2/ 5
Reward
Lifetime free
Railway Lounge Access
Rewards
- Earn 10X rewards on birthday spends and on monthly spends above ₹20,000.
- Earn up to 3X rewards on monthly spends up to ₹20,000.
Apply Now →
IDFC Card
IDFC FIRST Bank Private Credit Card
4.3/ 5
Travel
Shopping
Premium
Rewards
- Get complimentary Club ITC Culinaire Select & Accor Plus Explorer memberships
- Enjoy unlimited domestic & international airport lounge access
Apply Now →
IDFC Card
IDFC FIRST Select Credit Card
4.4/ 5
Travel
Shopping
Lifetime free
Rewards
- 10X reward points on incremental spends above ₹20,000 in a billing cycle
- 10X rewards on all birthday spends
- 3X rewards on online purchases up to ₹20,000 per month
- Complimentary lounge access: 2 domestic airport visits per quarter and 4 railway lounge visits per quarter on ₹20,000 monthly spend
Apply Now →
IDFC Card
IDFC FIRST Bank Wealth Credit Card
4.2/ 5
Travel
Reward
Lifetime free
Rewards
- Lifetime free credit card with joining benefits worth up to ₹1,500
- Earn unlimited accelerated reward points on all spends, ideal for high spenders
Apply Now →
IDFC Card
IDFC FIRST Power+ Credit Card
4.3/ 5
Fuel
Reward
Utility bill payment
Rewards
- Get up to 6.5% value-back on HPCL fuel spends
- Enjoy up to 8.83% savings on travel bookings via the IDFC FIRST mobile app
Apply Now →
IDFC Card
IDFC FIRST Mayura Credit Card
4.4/ 5
Travel
Airport Lounge Access
Rewards
- Earn 5X rewards up to ₹20,000 monthly spends and 10X rewards above ₹20,000.
- Earn 8 international and 16 domestic lounge visits yearly, plus 4 guest visits.
Apply Now →
IDFC Card
IDFC FIRST EARN Credit Card
4.5/ 5
Entertainment
Cashback
Rewards
- Earn up to 8% bonus cashback on travel spends
- Get 1% cashback on UPI spends via the IDFC FIRST Bank mobile app
Apply Now →
IDFC Card
IDFC Bank FIRST SWYP Credit Card
4.3/ 5
Travel
Shopping
Dining
Rewards
- Get 16 complimentary railway lounge visits every year
- Enjoy up to 20% off on top brands like Domino’s, Nykaa, Myntra and EaseMyTrip
Apply Now →
IDFC Card
IDFC FIRST Classic Credit Card
4.2/ 5
Shopping
Reward
Lifetime free
Rewards
- Earn 10X reward points on spends above ₹20,000
- Earn 3X reward points on online & offline spends up to ₹20,000 and on UPI spends above ₹2,000
Apply Now →
IDFC FIRST Bank Credit Cards Comparison Table
| Card Name |
Annual Fee |
Best For |
Top Reward Rate |
Key USP |
Apply |
| FIRST Millennia Card |
FREE |
Lifestyle |
10X above ₹20K/mo |
Best entry-level LTF card |
Apply →
|
| FIRST Classic Card |
FREE |
Rewards |
10X above ₹20K/mo |
Railway lounge + movie disc. |
Apply →
|
| FIRST Select Card |
FREE |
Travel |
10X above ₹20K/mo |
2 airport lounges/qtr + low forex 1.99% |
Apply →
|
| FIRST Wealth Card |
FREE |
Premium |
10X above ₹20K/mo |
₹1Cr air accident + trip cancel cover |
Apply →
|
| FIRST WOW! Card |
FREE |
Secured |
3X on UPI spends |
FD-backed, Zero forex, UPI-enabled |
Apply →
|
| FIRST Power+ (HPCL) |
₹499+GST |
Fuel |
30X at HPCL fuel |
Save up to ₹7,000/yr on fuel |
Apply →
|
| FIRST SWYP Card |
₹499+GST |
Youth |
Milestone-based pts |
20% off at partner brands, UPI |
Apply →
|
| LIC Classic / Select |
FREE |
Insurance |
10X on LIC premiums |
Co-branded with LIC for policyholders |
Apply →
|
How to Apply for an IDFC FIRST Bank Credit Card Online
Applying for an IDFC FIRST Bank credit card is
fully digital and takes under 10 minutes. Pre-approved customers can
get a card with zero document submission.
1
Choose Your Card on MyBankingTips
Browse all IDFC FIRST cards above and choose based on your
lifestyle — lifetime-free everyday card (Millennia/Classic),
travel (Select/Wealth), fuel (HPCL Power+), or youth (SWYP).
Use the comparison table for a quick side-by-side view.
2
Check Eligibility (No CIBIL Impact)
Enter your income, employment type, and city for a soft-check
eligibility assessment. This does NOT trigger a hard CIBIL
inquiry. Instantly find out which IDFC FIRST cards you
pre-qualify for.
3
Click "Apply Now" & Fill the Application
Click the Apply Now button to be directed to IDFC FIRST Bank's
secure application page. Fill in your name, date of birth,
PAN, mobile number, email, and residential address accurately.
4
Upload KYC Documents
Upload your PAN card and Aadhaar card digitally. Salaried
applicants provide 3 months' salary slips. Self-employed
applicants submit the latest ITR (2 years). Pre-approved IDFC
FIRST Bank customers may not need any documents at all.
5
In-Principle Approval & OTP Verification
Most applicants receive an in-principle approval instantly via
SMS/email. A bank representative may conduct a brief
tele-verification call for final confirmation and to schedule
document pick-up if needed.
6
Receive Card & Activate via IDFC FIRST App
Your physical card arrives within 7–14 working days. Download
the IDFC FIRST Mobile Banking App to get your
digital card instantly on approval, set your PIN, activate
welcome benefits, and start using the card for online
transactions right away.
🎁
Welcome Tip: Spend ₹5,000 within 30 days of card
generation to unlock the
₹500 welcome gift voucher (choose from Amazon,
BigBasket, Uber, or Lifestyle). Also make your first EMI
conversion within 30 days to earn
5% cashback up to ₹1,000 on the EMI amount.
IDFC FIRST Bank Credit Card Fees & Charges
IDFC FIRST Bank is known for its
transparent and competitive fee structure. Here's a
complete breakdown of all charges across the card range:
| Fee / Charge Type |
Amount |
Notes |
| Joining Fee |
₹0 – ₹499 + GST |
Millennia, Classic, Select, Wealth, WOW! = Free. SWYP & HPCL
Power = ₹499+GST.
|
| Annual Fee |
₹0 – ₹499 + GST |
5 cards are lifetime-free. SWYP = ₹499/yr from 2nd year.
HPCL Power+ = ₹499/yr.
|
| Finance Charges (Interest) |
8.5% – 46.2% p.a. |
Starts at just 0.71%/month — one of India's lowest credit
card interest rates.
|
| Late Payment Fee |
₹100 – ₹1,300 |
Slab-based on total amount due. Paying full dues by due date
avoids all charges.
|
| Cash Advance Fee |
₹199 + GST per withdrawal |
Flat fee — unlike most banks. Up to 48 days interest-free
period on cash withdrawals.
|
| Foreign Transaction Markup |
1.99% + GST |
Select & Wealth cards. WOW! card has ZERO forex charges.
Standard cards: 3.5%+GST.
|
| Fuel Surcharge |
1% (waived up to ₹200–₹400/cycle) |
Waiver cap varies by card: ₹200/cycle for Classic/Millennia;
₹400 for Wealth.
|
| Reward Redemption Fee |
₹99 + GST per redemption |
One-time charge per redemption session regardless of points
redeemed.
|
| Over-Limit Fee |
2.5% of over-limit amount |
Min ₹500. Applicable if you opt-in for over-limit facility.
|
| Education Fee Payment (3rd party) |
1% (min ₹249) + GST |
Effective Feb 20, 2025. Not charged when paid directly to
institute or POS.
|
| Card Replacement |
₹100 – ₹250 |
For lost or damaged card. Delivered within 5 working days of
dispatch.
|
💚
IDFC FIRST Bank Advantage: The cash advance fee
of just ₹199 flat (vs 2.5%–3.5% elsewhere)
combined with up to
48 days of interest-free ATM withdrawals makes
IDFC FIRST cards unique in India's credit card market — no other
major bank offers this benefit.
Eligibility Criteria for IDFC FIRST Bank Credit Cards
IDFC FIRST Bank's eligibility norms are relatively flexible compared
to large private banks — making it accessible to first-time credit
card users and young earners:
Age: 18 Years & Above
Minimum age of 18 years for all IDFC FIRST Bank credit cards.
No upper age cap is officially stated — senior citizens can
apply too.
Income: ₹3L+ (Millennia) / ₹12L+ (Select)
Millennia & Classic: ₹3L annual income (₹25K/month). Select &
Wealth: ₹12L+ annual income. HPCL Power: ₹3L. WOW!: Income
proof not required (FD-backed).
CIBIL Score: 700+ Recommended
A CIBIL score of 700+ is recommended. WOW! card is available
to applicants with no credit history — ideal for students and
first-time borrowers.
Residency: Indian Resident
Must be an Indian resident with a permanent address within
India. NRIs are currently not eligible for standard IDFC FIRST
credit cards.
Employment: Salaried or Self-employed
Both salaried and self-employed professionals are eligible.
For WOW! card, only an FD of ₹20,000+ with IDFC FIRST Bank is
required — no income proof needed.
Documents: PAN + Aadhaar + Income Proof
PAN and Aadhaar are mandatory. Salary slips or ITR for income
proof. Pre-approved IDFC FIRST Bank customers may not need any
documents.
IDFC FIRST Bank Reward Points Program
IDFC FIRST Bank's reward program is built on an
incremental earning model — the more you spend in a
month, the higher the reward rate you unlock. All points are worth
₹0.25 each and never expire.
1X
Base Rate
Earned on utility bills, insurance payments, railway/FASTag — 1
point per ₹150 spent
3X
Standard Rate
Earned on all online & offline retail spends up to ₹20,000 per
statement cycle
10X
Accelerated Rate
Unlocked on spends above ₹20,000/month AND on your birthday —
all day, all spends
✨
Key highlight: IDFC FIRST reward points
never expire — accumulate freely over months and
years with no pressure to redeem. 1 point = ₹0.25. HPCL Power+
cardholders earn 30X points on HPCL fuel and
grocery — making it one of India's highest fuel reward rates.
Reward Earn Rates by Card & Category
| Card |
Category |
Earn Rate |
Point Value |
| Millennia / Classic / Select / Wealth |
Retail spends up to ₹20,000/mo |
3X pts / ₹150 |
₹0.25/pt |
| Millennia / Classic / Select / Wealth |
Spends above ₹20,000/mo + Birthday |
10X pts / ₹150 |
₹0.25/pt |
| All Cards |
Utility, insurance bills |
1X pts / ₹150 |
₹0.25/pt |
| HPCL Power+ |
HPCL fuel + Grocery + FASTag |
30X pts / ₹150 |
₹0.25/pt |
| HPCL Power |
HPCL fuel |
21X pts / ₹150 |
₹0.25/pt |
| WOW! Card |
UPI spends |
3X pts / ₹150 |
₹0.25/pt |
| Select / Wealth |
Hotel bookings via IDFC app |
20% Bonus pts |
₹0.25/pt |
| LIC Classic / LIC Select |
LIC premium payments |
10X pts |
₹0.25/pt |
⚠️
Exclusions: Reward points are NOT earned on fuel
(for standard cards), cash withdrawals, EMI conversions, insurance
payments (only 1X), and government service transactions. Effective
Feb 20, 2025, a minimum spend of
₹20,000 in the previous month is required to
access complimentary railway lounge access the following month.
How to Redeem HDFC Credit Card Reward Points
HDFC SmartBuy offers multiple redemption options for your accumulated reward points. Here's how to get maximum value:
1
Redeem on HDFC SmartBuy
Visit smartbuy.hdfcbank.com and book flights, hotels, or shop. Use "Pay with Points" to redeem against the booking amount. Best value: up to ₹1/point on flights.
2
Statement Credit (CashPoints)
Log in to HDFC Net Banking or MyCards app → Rewards → Redeem for Statement Credit. Min 500 points; worth ₹0.20/point. A ₹99 + GST redemption fee applies.
3
Miles Transfer (Infinia / Diners)
Transfer points to Jet Privilege, Air India Flying Returns, British Airways Avios, or Singapore Airlines KrisFlyer. Typical ratio: 1 CashPoint = 1 Air Mile.
4
Gift Vouchers & Products
Redeem for vouchers from Amazon, Flipkart, Myntra, Tanishq, Titan, Lifestyle and 200+ brands through the HDFC rewards catalogue at competitive point values.
Key Benefits of IDFC FIRST Bank Credit Cards
Beyond rewards, IDFC FIRST Bank credit cards come with a rich set of
lifestyle, travel, and protection benefits across all card variants:
| Benefit |
Details |
Applicable Card(s) |
| Interest-Free Cash Withdrawal |
Withdraw cash from ATMs and pay NO interest for up to 48
days — a ₹199 flat fee applies
|
All IDFC FIRST credit cards |
| Points Never Expire |
Reward points accumulate indefinitely with no annual expiry
or cap on accrual
|
All IDFC FIRST credit cards |
| Railway Lounge Access |
4 complimentary railway lounge visits per quarter (subject
to ₹20,000 previous-month spend)
|
Millennia, Classic, Select, Wealth |
| Airport Lounge Access |
2 complimentary domestic airport lounge visits per quarter
(subject to ₹20,000 spend)
|
FIRST Select, FIRST Wealth |
| Movie Discounts |
25% discount on movie tickets on District by Zomato app (up
to ₹125), twice a month
|
Millennia, Classic, Select |
| Dining Discounts |
20% off at 1,500+ partner restaurants; 15% off at 3,000+
health & wellness outlets
|
All lifestyle cards |
| Air Accident Cover |
₹1 Crore air accident insurance — one of highest
complimentary covers on a free card
|
FIRST Wealth Card |
| Personal Accident Cover |
₹10 Lakh personal accident cover + ₹50,000 lost card
liability cover
|
Millennia, Classic, Select, Wealth |
| Trip Cancellation Cover |
Reimbursement up to ₹10,000 on non-refundable hotel & flight
cancellations
|
FIRST Wealth, FIRST Select |
| Roadside Assistance |
Complimentary 24/7 roadside assistance worth ₹1,399 — up to
4 times/year
|
Millennia, Classic, Select, Wealth |
| Zero Forex Charges |
Absolutely no foreign transaction markup — ideal for
international travellers
|
FIRST WOW! Card only |
| Low Forex Markup |
Just 1.99%+GST on international transactions — lower than
industry standard of 3.5%
|
FIRST Select, FIRST Wealth |
| UPI Credit Card |
Link card to UPI via IDFC FIRST Digital RuPay Credit Card
add-on (₹199/yr)
|
Millennia, Classic, Select, Wealth, WOW! |
| Zero Flight Booking Fee |
No convenience fee on flight bookings via IDFC FIRST Mobile
Banking App (Tripstacc)
|
Select, Wealth |
Smart Tips to Maximise Your IDFC FIRST Card Benefits
✅ Do These
-
✓Spend above ₹20,000 every month to unlock
10X reward points on all additional spend —
the single biggest hack on any IDFC FIRST card
-
✓Use your card
on your birthday for all big purchases — 10X
points all day, regardless of spend level
-
✓Book flights & hotels via the
IDFC FIRST Mobile App to earn 20% bonus hotel
points and pay zero flight convenience fee
-
✓Use the WOW! card for
international travel — zero forex markup is
unbeatable for foreign currency spends
-
✓Add the
IDFC Digital RuPay Card (₹199/yr) to earn 3X
reward points on all UPI payments through Google Pay / PhonePe
-
✓Batch your reward redemptions into a single
session — the ₹99 redemption fee is charged per session, not
per redemption
✗ Avoid These
-
✗Don't pay insurance or utility bills expecting
full rewards — these earn only
1X base points, not 3X
-
✗Avoid fuel spends on non-HPCL cards — fuel earns
zero reward points on standard IDFC FIRST cards
-
✗Don't use standard IDFC FIRST cards abroad if
you have the WOW! card — standard cards
charge 3.5% forex on most variants
-
✗Don't pay education fees through third-party
platforms (CRED, Paytm, Cheq) — a 1% fee (min ₹249) applies
since Feb 2025
-
✗Don't exceed ₹30,000 in fuel spends in a single
billing cycle — a 1% fee applies on the entire amount above
this threshold
-
✗Don't convert purchases to EMI expecting reward
points — EMI transactions are excluded from reward accrual
🎯
Expert Pick for Most Users: The
IDFC FIRST Select Credit Card is the sweet spot —
it's completely lifetime free, offers airport lounge access, the
lowest-in-class forex markup of 1.99%, 10X rewards above
₹20K/month, trip cancellation cover, and restaurant discounts. For
anyone spending ₹25,000+ monthly, it rivals paid premium cards
costing ₹5,000–₹10,000 a year in annual fees.
Frequently Asked Questions — IDFC FIRST Bank Credit Cards
Are all IDFC FIRST Bank credit cards truly lifetime
free?
Five IDFC FIRST cards are completely lifetime free with zero
joining or annual fees: FIRST Millennia, FIRST Classic, FIRST
Select, FIRST Wealth, and FIRST WOW!. These cards never charge
any membership fee for the lifetime of the card, regardless of
your spending level. The HPCL Power & Power+ cards and the SWYP
card carry a nominal joining/annual fee of ₹499+GST. The LIC
Classic and LIC Select cards are also lifetime free.
What is the interest rate on IDFC FIRST Bank credit
cards?
IDFC FIRST Bank offers one of India's lowest credit card
interest rates. Effective from February 20, 2025, the interest
rate (finance charges) ranges from
0.71% to 3.85% per month (8.5% to 46.2% per annum). Your actual rate depends on your credit profile — customers
with strong credit histories typically get rates in the 9%–18%
p.a. range, well below most Indian banks' minimum rate of
36%–42% p.a.
Do IDFC FIRST Bank reward points expire?
No — IDFC FIRST Bank reward points never expire as long as your
card account is active. There is also no cap on how many points
you can accumulate. This is one of the most significant
advantages of IDFC FIRST cards over other Indian bank cards,
where points typically expire every 2–3 years. You can
accumulate points for years and redeem them for travel,
vouchers, or statement credit at any time.
Can I withdraw cash from an ATM with my IDFC FIRST credit
card without paying interest?
Yes — and this is one of IDFC FIRST Bank's most unique features.
You can withdraw cash from any ATM using your IDFC FIRST credit
card and enjoy
up to 48 days of interest-free period on that
cash withdrawal, as long as you pay the outstanding amount
before your due date. A flat fee of ₹199+GST applies per
withdrawal — far lower than the 2.5%–3.5% charged by most other
banks. No other major Indian bank currently offers this
interest-free ATM cash withdrawal feature on credit cards.
What is the IDFC FIRST WOW! card and who should apply for
it?
The FIRST WOW! Credit Card is a secured credit card backed by a
Fixed Deposit (FD) of at least ₹20,000 with IDFC FIRST Bank. It
requires no income proof and no minimum CIBIL score — making it
ideal for
students, first-time credit card users, and people with no
credit history or a low credit score. Key benefits include lifetime-free status, zero forex markup
(no international transaction fee), 3X reward points on UPI
spends, and complimentary personal accident cover. Your credit
limit equals your FD amount.
How do I access complimentary airport and railway lounges
with IDFC FIRST cards?
Railway lounge access (4 visits/quarter) is available on
Millennia, Classic, Select, and Wealth cards. Domestic airport
lounge access (2 visits/quarter) is available on Select and
Wealth cards.
Important change from February 20, 2025: Both
benefits now require a minimum spend of ₹20,000 in the previous
calendar month to be eligible. For example, spending ₹20,000 in
April unlocks lounge access for May. Simply swipe your eligible
IDFC FIRST card at the lounge entry to access without paying
separately.
Can I link my IDFC FIRST credit card to UPI apps like Google
Pay or PhonePe?
Yes — IDFC FIRST Bank offers an add-on
IDFC FIRST Digital RuPay Credit Card
(₹199/year) that can be linked to UPI apps like Google Pay,
PhonePe, and BHIM. You earn 3X reward points on UPI transactions
above ₹2,000, and 1X on UPI transactions below ₹2,000. This is
available as an add-on to the Millennia, Classic, Select,
Wealth, and WOW! cards. The WOW! card itself also natively
supports UPI payments on RuPay at no additional charge.
Best IDFC Credit Cards for Rewards
IDFC FIRST Digital RuPay Credit Card
Joining Fee: ₹199
🏆 Reward
- Earn up to 3 reward points per ₹150 on UPI spends
- Earn reward points on utility and insurance payments
HPCL IDFC FIRST Power Credit Card
Joining Fee: ₹199
⛽ Fuel 🏆 Reward
- Get up to 3.5% savings on HPCL fuel and 1.5% back via HP Pay
- Earn up to 2.5% savings on groceries, utilities and FASTag recharges
IDFC FIRST WOW! Black Credit Card
Joining Fee: ₹750
✈ Travel 🏆 Reward
- Earn up to 50 bonus reward points per ₹150 on hotel bookings and 30 on flights via the app
- Earn 4 reward points per ₹150 on all online and offline spends
IDFC FIRST Gaj Metal Credit Card
Joining Fee: ₹12500
✈ Travel 🏆 Reward 👑 Premium
- Earn 50 reward points per ₹150 on hotel bookings and 25 points on flights via Travel & Shop
- Earn 5 reward points per ₹150 on regular spends and 3 points on international spends
IDFC FIRST Bank Wealth Credit Card
Joining Fee: ₹0
✈ Travel 🏆 Reward ∞ Lifetime free
- Earn 3x reward points on online and offline spends up to ₹20,000 per month
- Earn 10x reward points on spends above ₹20,000 and on birthday spends
IDFC FIRST Diamond Reserve Credit Card
Joining Fee: ₹3000
✈ Travel 🏆 Reward
- Earn 10 reward points per ₹150 on spends above ₹20,000 per month
- Earn 3 reward points per ₹150 on spends up to ₹20,000 per month
IDFC First Bank Ashva Metal Credit Card
Joining Fee: ₹2999
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Get 50 bonus points on hotel bookings and 30 on flights via the app (capped at 15,000 points)
- Earn 10x reward points on spends above ₹20,000 per cycle and on birthday spends
IDFC FIRST Bank Millennia Credit Card
Joining Fee: ₹0
🏆 Reward ∞ Lifetime free Railway Lounge Access
- Earn 10X reward points on birthday spends and on spends above ₹20,000 per month
- Earn 3X reward points on online and offline spends up to ₹20,000 per month
IDFC FIRST Classic Credit Card
Joining Fee: ₹0
🛒 Shopping 🏆 Reward ∞ Lifetime free
- Get ₹500 voucher and 5% cashback (up to ₹1,000) on EMI transactions
- Earn 10X reward points on spends above ₹20,000 and on birthday spends
IDFC FIRST Power+ Credit Card
Joining Fee: ₹499
⛽ Fuel 🏆 Reward Utility bill payment
- 5% fuel savings: 30 points per ₹150 on HPCL, up to 2,400 points/cycle
- 1.5% back via HP Pay: 6 Happy Coins per ₹100, up to 600/month
Best IDFC Credit Cards for Shopping
IDFC FIRST Select Credit Card
Joining Fee: ₹0
✈ Travel 🛒 Shopping ∞ Lifetime free
- Earn 10x reward points on spends above ₹20,000 per billing cycle
- Earn 10x reward points on birthday spends
IDFC FIRST Classic Credit Card
Joining Fee: ₹0
🛒 Shopping 🏆 Reward ∞ Lifetime free
- Earn 10X reward points on spends above ₹20,000 and on birthday spends
- Earn 3X reward points on spends up to ₹20,000 and UPI spends above ₹2,000
IDFC FIRST Bank Private Credit Card
Joining Fee: ₹50000
✈ Travel 🛒 Shopping 👑 Premium
- Earn 10 reward points per ₹100 on most spends (excluding rent, education & insurance)
- Earn 3 reward points per ₹100 on rent & education spends
IDFC Bank FIRST SWYP Credit Card
Joining Fee: ₹499
✈ Travel 🛒 Shopping 🍽 Dining
- Get 20% off at Domino’s (up to ₹80, twice a month)
- Enjoy 20% off on SUGAR Cosmetics (up to ₹270)
Best IDFC Credit Cards for Travel
IDFC FIRST Bank Private Credit Card
Joining Fee: ₹50000
✈ Travel 🛒 Shopping 👑 Premium
- 0% forex mark-up fee on international spends
- Enjoy unlimited domestic & international airport lounge and spa access in India for primary & add-on cardholders, plus 4 guest lounge visits
IDFC First Bank Ashva Metal Credit Card
Joining Fee: ₹2999
✈ Travel 🏆 Reward 💺 Airport Lounge Access
- Get up to 16 complimentary domestic lounge and spa visits per year (max 4 per quarter)
- Enjoy up to 8 complimentary international lounge visits per year (max 2 per quarter)
IDFC FIRST Bank Wealth Credit Card
Joining Fee: ₹0
✈ Travel 🏆 Reward ∞ Lifetime free
- Low forex mark-up fee of 1.5% on international spends
- Get air accident cover of ₹1 crore, personal accident cover of ₹10 lakh and lost card liability cover of ₹50,000
IDFC FIRST Gaj Metal Credit Card
Joining Fee: ₹12500
✈ Travel 🏆 Reward 👑 Premium
- Enjoy 0% forex mark-up fee on international spends
- Get 4 complimentary domestic airport lounge visits per quarter, including 1 guest visit
IDFC FIRST WOW! Black Credit Card
Joining Fee: ₹750
✈ Travel 🏆 Reward
- Enjoy zero forex mark-up fee on international spends
- Get 4 complimentary domestic airport lounge visits annually on ₹20,000 monthly spend
IDFC Bank FIRST SWYP Credit Card
Joining Fee: ₹499
✈ Travel 🛒 Shopping 🍽 Dining
- Get 10% off on flights and hotels via EaseMyTrip (up to ₹500)
- Enjoy 20% off on hotels and 10% off on flights via Goibibo
IDFC FIRST Diamond Reserve Credit Card
Joining Fee: ₹3000
✈ Travel 🏆 Reward
- Zero forex mark-up fee on international spends
- Get 2 complimentary lounge visits per quarter in India (domestic & international terminals)
IndiGo IDFC FIRST Dual Credit Card
Joining Fee: ₹4999
✈ Travel
- Earn up to 22 BluChips per ₹100 on IndiGo flight bookings via app or website
- Earn 3 BluChips per ₹100 on other spends and 0.5 BluChips on UPI, fuel, rent, utilities, insurance & wallet spends
IDFC FIRST Mayura Credit Card
Joining Fee: ₹5999
✈ Travel 💺 Airport Lounge Access
IDFC FIRST Select Credit Card
Joining Fee: ₹0
✈ Travel 🛒 Shopping ∞ Lifetime free
- Get 2 complimentary domestic lounge visits per quarter on ₹20,000 monthly spend
- Get 4 complimentary railway lounge visits per quarter on ₹20,000 monthly spend
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What Our Readers Say About IDFC FIRST Cards
★★★★★
"Switched from HDFC Millennia to IDFC FIRST Select — zero annual
fee, 10X rewards above ₹20K, and airport lounge access at no
cost. MyBankingTips comparison made the choice obvious. My
rewards never expire either!"
N
Neeraj Kapoor
Software Engineer, Bangalore
★★★★★
"The WOW! card was perfect for me — I had no credit history and
no one would give me a card. Applied with my IDFC FD and got
approved instantly. Zero forex is great for my Amazon US orders
too!"
P
Prathyusha Reddy
College Student, Hyderabad
★★★★★
"The 48-day interest-free ATM withdrawal saved me during a cash
crunch. No other bank offers this. IDFC FIRST Wealth is my go-to
card now — ₹1 Crore air cover on a lifetime-free card is unreal
value."
S
Sameer Joshi
Business Consultant, Pune
⚠️ Disclaimer
MyBankingTips is a loan aggregator authorized to
provide services on behalf of its partners. IDFC FIRST Bank credit
card features, fees, interest rates, and reward programs mentioned
on this page are indicative and subject to change at IDFC FIRST
Bank's discretion. Key policy changes effective February 20, 2025
have been incorporated where known. All credit card applications and
approvals are subject to IDFC FIRST Bank's terms and the applicant's
creditworthiness. MyBankingTips does not guarantee approval of any
application. Please read the Most Important Terms & Conditions
(MITC) on idfcfirstbank.com carefully before applying.