Best IDFC FIRST Bank Credit Cards 2026

IDFC FIRST Bank cards are popular for their lifetime-free offering, zero interest on cash withdrawals, and the feature-rich FIRST Select card.

Top IDFC FIRST Bank Credit Cards in India 2026

IDFC FIRST Private Credit Card

4.9/5
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IDFC FIRST Private Credit Card by IDFC FIRST Bank
Joining Fee ₹50,000 + Taxes
Annual Fee ₹50,000 + Taxes
Best Suited For Ultra-High-Net-Worth Individuals & IDFC FIRST Private Wealth Clients
Rewards Type Reward Points

Rewards Rate

Uncapped 10X points on incremental spends; 6X on online spends; 3X on offline spends

Welcome Benefits

200,000 welcome reward points, or a luxury welcome gift, on activation

Card Details +

Key Advantages

  • ✓ Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
  • ✓ 0.75% monthly interest rate, among the lowest of any Indian credit card
  • ✓ Unlimited complimentary domestic and international lounge access for cardholder and guests

Limitations

  • ✕ Massive upfront annual entry milestone fee layer of ₹50,000 applied to account status
  • ✕ Strictly accessible to clients keeping ultra-premium wealth management relationship brackets with IDFC First Bank
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IDFC FIRST Diamond Reserve Credit Card

4.9/5
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IDFC FIRST Diamond Reserve Credit Card by IDFC FIRST Bank
Joining Fee ₹3,000 + Taxes
Annual Fee ₹3,000 + Taxes
Best Suited For Ultra Premium Metal Card & Golf Privileges
Rewards Type Reward Points

Rewards Rate

Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40 points per ₹150 on flights (6.6% value-back) via the IDFC FIRST app; 1 point = ₹0.25 elsewhere

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Up to 10% value-back on hotel bookings, 6.6% on flights via the IDFC FIRST app
  • ✓ 2 domestic + 2 international lounge visits per quarter, plus 4 railway lounge visits
  • ✓ Up to 2 complimentary golf rounds/lessons per month
  • ✓ Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)

Limitations

  • ✕ Lounge and golf benefits require ₹20,000 spend in the preceding month
  • ✕ Reward points redeem at just ₹0.25 outside travel bookings
  • ✕ Best value depends on booking travel through the IDFC FIRST app specifically
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IDFC FIRST Quantum+ Credit Card

4.7/5
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IDFC FIRST Quantum+ Credit Card by IDFC FIRST Bank
Joining Fee ₹10,000 + Taxes
Annual Fee ₹10,000 + Taxes
Best Suited For Zero Forex Markup & Luxury Lounge Access
Rewards Type Reward Points

Rewards Rate

1% base cashback; 2% on online shopping spends (capped at ₹500/statement cycle)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ Zero forex markup fee on international transactions
  • ✓ 2% cashback on online shopping spends
  • ✓ 1% base cashback on all other spends
  • ✓ Fee waiver threshold (Annual fee waived on ₹10 Lakh annual retail spends)

Limitations

  • ✕ No airport lounge access despite the premium ₹10,000 fee
  • ✕ Total cashback capped at ₹500 per statement cycle
  • ✕ High fee-to-benefit ratio compared to IDFC FIRST Wealth (lifetime free)
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IDFC FIRST Business Multiplier Credit Card

4.6/5
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IDFC FIRST Business Multiplier Credit Card by IDFC FIRST Bank
Joining Fee ₹2,999 + Taxes
Annual Fee ₹2,999 + Taxes
Best Suited For Multiplied Business Tax & Commercial Spends
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5 points per ₹200 thereafter

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend
  • ✓ 8 complimentary domestic + international lounge visits/year
  • ✓ Zero forex markup on international transactions
  • ✓ Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)

Limitations

  • ✕ FD-backed card requires a ₹50,000 fixed deposit
  • ✕ Reward rate halves to 5 points per ₹200 beyond ₹1 Lakh monthly spend
  • ✕ Lounge access requires ₹20,000 spend in the preceding month
Full Card Review →

IDFC FIRST WOW! Credit Card

4.5/5
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IDFC FIRST WOW! Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Building Credit Score, Zero Forex International Spends & FD Backed Safety
Rewards Type Reward Points

Rewards Rate

4 Reward Points per ₹200 spent (~0.50% return); Points never expire

Welcome Benefits

100% credit limit against Fixed Deposit (Min. ₹20,000 FD required)

Card Details +

Key Advantages

  • ✓ 100% Lifetime Free credit card with zero joining and zero renewal fees
  • ✓ 0% foreign currency markup fee on international transactions
  • ✓ Instant 100% credit limit issuance against your IDFC FIRST Bank Fixed Deposit (Min ₹20,000)
  • ✓ Earn 4 Reward Points per ₹200 spent with lifetime validity and no expiration
  • ✓ No income proof or credit score documentation required for approval

Limitations

  • ✕ Requires opening a minimum ₹20,000 auto-renewing Fixed Deposit with IDFC FIRST Bank
  • ✕ No domestic or international airport lounge access included
  • ✕ Utility and insurance spends earn reduced 1 Reward Point per ₹200 spent
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IDFC FIRST Select Credit Card

4.5/5
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IDFC FIRST Select Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Buy 1 Get 1 Movies & Low Interest Rates
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining, travel & international spends (~1.25%); 3 points per ₹200 on other spends; 1 point per ₹200 on utilities/insurance/FASTag/railway

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining, travel & international spends
  • ✓ 1 domestic lounge visit/quarter plus 4 railway lounge visits/quarter
  • ✓ Reward points never expire and carry no redemption fee
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ Domestic lounge access requires ₹20,000 spend in the preceding month
  • ✕ Reward points redeem at a modest ₹0.25 per point
  • ✕ Base rate on other spends is just 3 points per ₹200
Full Card Review →

IDFC FIRST Business Max Credit Card

4.4/5
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IDFC FIRST Business Max Credit Card by IDFC FIRST Bank
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Best Suited For Business Vendor Payments & Commercial Spends
Rewards Type Reward Points

Rewards Rate

6 Reward Points per ₹200 on domestic online spends; 4 points per ₹200 offline; up to 3 points on UPI

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 6 Reward Points per ₹200 on domestic online spends
  • ✓ Up to 45 interest-free days plus EMI conversion on purchases above ₹1,500
  • ✓ Low forex markup fee of 1.5% on international spends
  • ✓ Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)

Limitations

  • ✕ FD-backed card requires a minimum ₹10,000 fixed deposit
  • ✕ Offline spends earn a reduced 4 points per ₹200
  • ✕ Finance charges of 12% per annum apply on revolving balances
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IDFC FIRST Millennia Credit Card

4.4/5
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IDFC FIRST Millennia Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Gen-Z Online Shopping & 10X Rewards
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining and travel spends (~1.25%); 3 points per ₹200 on other spends

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining and travel spends
  • ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
  • ✓ Reward points never expire, redeemable at ₹0.25 per point
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access, only railway lounges
  • ✕ Base rate on other spends is a modest 3 points per ₹200
  • ✕ Positioned below Select/Wealth in IDFC FIRST's lifetime-free tier
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IDFC FIRST Classic Credit Card

4.3/5
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IDFC FIRST Classic Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For 10X Birthday Rewards & Zero Annual Fee
Rewards Type Reward Points

Rewards Rate

10 Reward Points per ₹200 on dining, travel & international spends; 3 points per ₹200 on other spends; 1 point per ₹200 on insurance, utilities, railways, FASTag & UPI (up to ₹2,000)

Welcome Benefits

Welcome gift benefit on card activation & joining fee payment

Card Details +

Key Advantages

  • ✓ 10 Reward Points per ₹200 on dining, travel & international spends
  • ✓ Up to 20% dining discount at 1,500+ partner restaurants
  • ✓ 4 railway lounge visits per quarter on ₹20,000 monthly spend
  • ✓ Fee waiver threshold (Lifetime free credit card)

Limitations

  • ✕ No airport lounge access, only railway lounges
  • ✕ Insurance, utilities, FASTag & UPI spends are capped at ₹2,000 for rewards
  • ✕ Base rate on other spends is just 3 points per ₹200
Full Card Review →

IDFC FIRST Power+ Credit Card

4.0/5
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IDFC FIRST Power+ Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For Fuel Spends at HPCL Pumps via HP Pay, Groceries, and Household Utility Bills
Rewards Type Reward Points

Rewards Rate

Save up to 6.5% on HPCL fuel spends when utilizing reward multipliers and the HP Pay App; includes savings on grocery, utility categories, and IDFC FIRST FASTag recharges

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 6.5% combined savings on HPCL fuel spends
  • ✓ Bonus rewards on groceries and utility bills
  • ✓ Rewards on FASTag toll recharges too
  • ✓ Domestic airport lounge access included
  • ✓ Low cash conversion reward redemption parity threshold

Limitations

  • ✕ Top fuel savings require paying through the HP Pay app
  • ✕ Monthly spend caps: ₹12,000 on HPCL fuel, ₹10,000 via HP Pay app, ₹2,000 on groceries/utilities, ₹1,000 on FASTag recharges
  • ✕ Lounge access privileges are conditional upon hitting quarterly spending thresholds
Full Card Review →

IDFC FIRST WOW! Black Credit Card

4.0/5
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IDFC FIRST WOW! Black Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹750* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹750* Plus Applicable Taxes
Best Suited For Travel Spends, Zero Forex Markups, and New-to-Credit Builders
Rewards Type Reward Points

Rewards Rate

Up to 16.7% bonus rewards or value-back on travel booking allocations; features tiered multiplier reward rates across multiple spending categories

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 16.7% value back on travel bookings
  • ✓ 0% forex markup on international spends
  • ✓ 25% discount on movie tickets
  • ✓ A useful option for building or repairing credit history, since it's FD-backed

Limitations

  • ✕ Requires upfront collateral commitment in an IDFC FIRST Fixed Deposit to back card limits
  • ✕ Standard joining fee applies, unlike the basic zero-fee unsecured variant cards
  • ✕ Top travel rewards only apply when booking through IDFC FIRST's own app or channels
Full Card Review →

IDFC FIRST Gaj Metal Credit Card

3.5/5
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IDFC FIRST Gaj Metal Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹12,500* Plus Applicable Taxes
Best Suited For High Spenders & Frequent Travelers Seeking Strong Travel Redemption Value
Rewards Type Reward Points

Rewards Rate

33.33% value-back on travel spends (50 reward points per ₹150 spent on hotel bookings and 25 reward points per ₹150 spent on flight bookings via Travel & Shop); 3.33% value-back on regular spends (5 reward points per ₹150); 3 reward points per ₹150 spent internationally; 1 reward point per ₹150 spent on UPI, insurance, utilities, rent, government, wallet load, railways, Fastag, and education

Welcome Benefits

12,500 reward points (worth ₹12,500) upon payment of the joining or renewal fee; 25% off up to ₹5,000 on select 5-star hotel bookings via the IDFC FIRST mobile app on spending ₹1 Lakh within the first 60 days

Card Details +

Key Advantages

  • ✓ Unmatched 33.33% value-back yield on travel bookings via Travel & Shop
  • ✓ True 1:1 reward currency parity redemption ratio against flights and hotels
  • ✓ Includes typically excluded routine categories (rent, utilities, insurance, UPI) for reward generation
  • ✓ Absolute 0% cross-currency foreign exchange transaction markup penalty applied on international spends
  • ✓ Trip cancellation insurance included at no extra cost

Limitations

  • ✕ High upfront annual entry card fee barrier of ₹12,500
  • ✕ Ongoing lounge benefits are limited to 16 complimentary domestic and international visits per year
  • ✕ Reward redemptions against merchandise or vouchers carry a degraded parity ratio (4 points = ₹1)
Full Card Review →

IDFC FIRST Hello Cashback Credit Card

3.5/5
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IDFC FIRST Hello Cashback Credit Card by IDFC FIRST Bank
Joining Fee ₹1,000* Plus Applicable Taxes
Annual Fee ₹1,000* Plus Applicable Taxes
Best Suited For Online Shopping Spends and Travel Bookings via the IDFC FIRST Mobile Ecosystem
Rewards Type Cashback

Rewards Rate

Up to 5% cashback on online shopping spends; Up to 6% cashback back on travel bookings executed via the IDFC FIRST mobile app

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ Up to 5% cashback on online shopping
  • ✓ Up to 6% back on travel bookings made through the IDFC FIRST app
  • ✓ Fee waived on ₹2 lakh in annual spend, an achievable bar

Limitations

  • ✕ Carries an upfront first-year joining fee barrier of ₹1,000, unlike select entry-level zero-fee options
  • ✕ Top travel cashback only applies to bookings made through IDFC FIRST's own app
  • ✕ Cashback yields on offline purchases and core utility exclusions follow a lower baseline structure
Full Card Review →

IDFC FIRST Wealth Credit Card

3.5/5
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IDFC FIRST Wealth Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For High-earning individuals seeking a Lifetime Free Card with Premium Travel Perks & Golf Access
Rewards Type Reward Points

Rewards Rate

10X reward points on Dining, Travel and International spends; 3X reward points on other online & offline spends; 1X reward points on insurance, utilities, railways and FASTag recharges; 1X = 1 reward point per ₹200 spent

Welcome Benefits

Gift vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up; 5% cashback (up to ₹1,000) on your first EMI transaction within 90 days of card set-up

Card Details +

Key Advantages

  • ✓ Lifetime free, with no onboarding or annual fee
  • ✓ 10X reward points on dining, travel and international spends
  • ✓ 1.5% forex markup
  • ✓ Earns points on categories many cards exclude, like rent, education, utilities and insurance
  • ✓ Lounge access, spa visits and golf rounds included

Limitations

  • ✕ Low base reward redemption conversion metric locked at 1 point = ₹0.25
  • ✕ Base reward rate yield (3X on other spends) underperforms for a premium-tier card segment
  • ✕ Lounge, spa and movie privileges depend on hitting monthly spend milestones
Full Card Review →

IDFC FIRST Ashva Credit Card

3.5/5
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IDFC FIRST Ashva Credit Card by IDFC FIRST Bank
Joining Fee 1st Year Fee: ₹2,999* Plus Applicable Taxes
Annual Fee 1st Year Fee: ₹2,999* Plus Applicable Taxes
Best Suited For Premium Multi-category Rewards, Low Foreign Exchange Markups, and Domestic Lounge Access
Rewards Type Reward Points

Rewards Rate

Up to 10X rewards on every spend

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ High-frequency reward potential offering up to 10X reward multipliers on everyday spends
  • ✓ Highly competitive, low foreign exchange markup fee optimized at just 1%
  • ✓ Generous domestic travel integration providing up to 16 complimentary lounge visits per year

Limitations

  • ✕ Upfront joining and annual fee barrier of ₹2,999
  • ✕ Value yield is mostly optimized around domestic lounge networks over international variants
Full Card Review →

IDFC FIRST Mayura Credit Card

3.0/5
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IDFC FIRST Mayura Credit Card by IDFC FIRST Bank
Joining Fee ₹5,999* Plus Applicable Taxes
Annual Fee ₹5,999* Plus Applicable Taxes
Best Suited For High-Income Individuals, Frequent International Travel, and Airport Lounge Access
Rewards Type Reward Points

Rewards Rate

Up to 10X reward points on monthly spends above ₹20,000; 1 Reward Point = ₹0.25

Welcome Benefits

12,000 Reward Points (4,000 on joining + 4,000 each on ₹20,000 spend in statement cycles 2 & 3) + up to ₹4,000 cashback on first 4 transactions within 60 days

Card Details +

Key Advantages

  • ✓ Premium metal card design offering high status value
  • ✓ Zero foreign exchange markup fee applied on international spends
  • ✓ Generous international airport lounge policy providing 16 complimentary visits per year
  • ✓ Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold

Limitations

  • ✕ Low cash conversion reward redemption parity threshold set at 1 point = ₹0.25
  • ✕ Low net effective value-back yield of just 1.66% even at the maximum 10X reward point accumulation rate
  • ✕ High upfront annual maintenance card fee barrier of ₹5,999 with an absolute absence of a spend-based fee waiver
Full Card Review →

IndiGo IDFC First Dual FD Credit Card

4.0/5
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IndiGo IDFC First Dual FD Credit Card by IDFC FIRST Bank
Joining Fee Lifetime Free
Annual Fee Free
Best Suited For IndiGo Loyalists New to Credit or looking to Strengthen Their Credit Profile
Rewards Type Reward Points

Rewards Rate

Up to 22 BluChips rewards per ₹100 spent on flight bookings through the IndiGo app/website; 3 BluChips per ₹100 spent on general category retail purchases; 0.5 BluChips per ₹100 spent on UPI payments, fuel, insurance, rent, utilities, and wallet top-ups

Welcome Benefits

N/A

Card Details +

Key Advantages

  • ✓ No joining fee
  • ✓ Same IndiGo flight reward rates as the unsecured version of this card
  • ✓ A useful option for building or repairing credit history while still earning travel rewards
  • ✓ Low foreign currency exchange markup fees applied across cross-currency international spends
  • ✓ Domestic trip cancellation insurance included

Limitations

  • ✕ Requires a high minimum commitment threshold of ₹1 Lakh locked up in an IDFC FIRST Fixed Deposit
  • ✕ Highly restricted reward yields (0.5 BluChips per ₹100) on daily lifestyle essentials like fuel, insurance, utilities, and rent
  • ✕ Rewards can only be redeemed for IndiGo flights
Full Card Review →

IDFC FIRST Bank Credit Cards at a Glance

Best IDFC FIRST Bank Credit Cards Comparison Table
Card Fee Rating
1. IDFC FIRST Private Credit Card ₹50,000 + Taxes ★ 4.9 View →
2. IDFC FIRST Diamond Reserve Credit Card ₹3,000 + Taxes ★ 4.9 View →
3. IDFC FIRST Quantum+ Credit Card ₹10,000 + Taxes ★ 4.7 View →
4. IDFC FIRST Business Multiplier Credit Card ₹2,999 + Taxes ★ 4.6 View →
5. IDFC FIRST WOW! Credit Card Free ★ 4.5 View →
6. IDFC FIRST Select Credit Card Free ★ 4.5 View →
7. IDFC FIRST Business Max Credit Card ₹1,499 + Taxes ★ 4.4 View →
8. IDFC FIRST Millennia Credit Card Free ★ 4.4 View →
9. IDFC FIRST Classic Credit Card Free ★ 4.3 View →
10. IDFC FIRST Power+ Credit Card Free ★ 4.0 View →
11. IDFC FIRST WOW! Black Credit Card 1st Year Fee: ₹750* Plus Applicable Taxes ★ 4.0 View →
12. IDFC FIRST Gaj Metal Credit Card 1st Year Fee: ₹12,500* Plus Applicable Taxes ★ 3.5 View →
13. IDFC FIRST Hello Cashback Credit Card ₹1,000* Plus Applicable Taxes ★ 3.5 View →
14. IDFC FIRST Wealth Credit Card Free ★ 3.5 View →
15. IDFC FIRST Ashva Credit Card 1st Year Fee: ₹2,999* Plus Applicable Taxes ★ 3.5 View →
16. IDFC FIRST Mayura Credit Card ₹5,999* Plus Applicable Taxes ★ 3.0 View →
17. IndiGo IDFC First Dual FD Credit Card Free ★ 4.0 View →

Frequently Asked Questions

What are IDFC FIRST Bank's lifetime free credit cards?

FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth, and FIRST WOW! are all lifetime free with no joining or annual fees.

Does IDFC FIRST Bank charge interest on cash withdrawals?

IDFC FIRST Bank is known for offering zero interest on cash withdrawals on select cards, a rare feature among Indian issuers. Check individual card terms to confirm.

What are IDFC FIRST Bank's premium metal cards?

Ashva, Mayura, and the invite-only FIRST Private are IDFC FIRST's premium metal card tier, aimed at high-spending customers.

Does IDFC FIRST Bank offer FD-backed credit cards?

Yes, cards like FIRST EARN and FIRST WOW! Black are secured against a Fixed Deposit, making them accessible even without an extensive credit history.

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