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IDFC FIRST Credit Card

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IDFC FIRST Bank offers credit cards with benefits around multiple categories, such as lifestyle, rewards, travel, etc. Many IDFC FIRST cards are lifetime free, feature lower interest rates and offer incremental rewards with no expiration. These cards cater to diverse customers, including beginners who are looking for cards with simple rewards structure, those who want cards for category specific benefits like travel, fuel, shopping, etc. Among these options, you can choose a card that best fits your spending patterns and income eligibility. Read on to know more about IDFC FIRST Credit Cards with their features, eligibility criteria, fees and charges.

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Updated: 16-12-2024 10:58:55 AM

Top IDFC FIRST Bank Credit Cards

IDFC FIRST Bank is popularly known for offering a wide range of lifetime free credit cards with incremental reward structure. Here are some top IDFC FIRST Bank Credit Cards for you to explore and choose from:

IDFC FIRST Power+ Credit Card

hpcl-idfc-first-power-and-power-plus-credit-cards
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Up to 6.5% value-back on HPCL fuel spends

30 rewards per Rs. 150 spent on grocery, utilities & IDFC FIRST FASTag

Co-branded
Reward Points
Fuel
Check Eligibility

Product Details

  • 5% savings as 30 rewards per Rs. 150 spent on HPCL fuel & LPG
  • 1.5% savings as 6 Happy Coins per Rs. 100 spent on HP Pay app
  • 3 rewards per Rs. 150 spent on UPI & other purchases, 1 RP = Rs. 0.25
  • 1 complimentary domestic airport lounge access per quarter on min. monthly spends of Rs. 20,000
  • 25% off, up to Rs. 100, on movie tickets once per month & annual fee waived on Rs. 1.5 lakh annual spends
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IDFC FIRST Wealth Credit Card

idfc-first-wealth-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 10x rewards on every spend

Up to 8 international & 8 domestic airport lounge & spa access in a year

Travel
Reward Points
Check Eligibility

Product Details

  • Low forex mark-up of 1.5%
  • Buy 1 get 1 offer with up to Rs. 250 off twice a month on movie tickets on Paytm app
  • Up to 20% off at partner restaurants & up to 15% off at select health & wellness outlets
  • Complimentary golf round per Rs. 20,000 monthly spends, up to 2 rounds/month
  • Complimentary airport meet & greet, airport transfers, concierge, & premium benefits at select luxury hotels
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IDFC FIRST Select Credit Card

idfc-first-select-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10X reward points on incremental monthly spends above Rs. 20,000

3X reward points on purchases of up to Rs. 20,000 in a month

Shopping
Reward Points
Check Eligibility

Product Details

  • 1 reward point per Rs. 150 on utility, insurance and other offline spends
  • Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card setup
  • 5% cashback on first EMI transaction done within 90 days of card setup
  • 2 complimentary domestic airport lounge access in a quarter on spending Rs. 20,000 in a month
  • Buy 1 Get 1 offer on movie tickets, twice a month on Paytm mobile app
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IDFC FIRST Millennia Credit Card

idfc-first-millennia-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

10X rewards on birthday & on spends made after Rs. 20,000 monthly spends

Up to 3X rewards on monthly spends of up to Rs. 20,000

Reward Points
Check Eligibility

Product Details

  • 25% off up to Rs. 100 once a month on movie tickets on Paytm app
  • 4 complimentary railway lounge visits per quarter
  • Up to 20% off at partner restaurants & up to 15% off at select health & wellness outlets
  • 1% fuel surcharge waiver up to Rs. 200 per month on fuel spends of Rs. 200 to Rs. 5,000
  • Rs. 2 lakh personal accident cover & Rs. 25,000 lost card liability cover
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IDFC FIRST Mayura Credit Card

mayura-credit-card
3/5

Joining fee: ₹5999

Annual/Renewal Fee: ₹5999

10X rewards on monthly spends above Rs. 20,000; 5X rewards below that

Up to 8 international, 16 domestic (+4 guest visits) lounge access per year

Travel
Lounge Access
Movies
Reward Points
Check Eligibility

Product Details

  • 1X rewards = 1 Reward Point per Rs. 150 spent
  • No forex mark-up fee; Reimbursement of up to Rs. 50,000 on flight/hotel booking cancellation, twice per year
  • Buy 1 and get up to Rs. 500 off on 2nd movie ticket on BookMyShow, twice per month
  • 7,500 Reward Points on Rs. 8 lakh annual spends and 15,000 Reward Points on Rs. 15 lakh annual spends
  • Up to 2 golf rounds per month, 1st on Rs. 20,000 monthly spends and 2nd on Rs. 40,000 monthly spends
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IDFC FIRST Ashva Credit Card

ashva-credit-card
3/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

10X rewards on monthly spends above Rs. 20,000; 5X rewards below that

Up to 16 domestic and 8 international lounge access per year

Travel
Lounge Access
Movies
Reward Points
Check Eligibility

Product Details

  • 1X rewards = 1 Reward Point per Rs. 150 spent
  • 7,500 Reward Points on reaching Rs. 8 lakh annual spends post annual fee payment
  • 1% forex mark-up and reimbursement of up to Rs. 25,000 on flight/hotel booking cancellations, twice a year
  • Buy 1 and get up to Rs. 400 off on the 2nd movie ticket via BookMyShow, twice every month
  • Up to 2 golf rounds per month, 1st on Rs. 20,000 monthly spends and 2nd on Rs. 40,000 monthly spends
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Disclaimer: IDFC FIRST Bank is not accepting new applications for IDFC Club Vistara co-branded credit card. The content on this page is for information only. Existing Vistara credit cardholders can continue availing the benefits on their cards as per the existing structure and terms.

On this page
Other IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Card Benefits
IDFC FIRST Bank Credit Card Offers: December 2024
IDFC FIRST Bank Credit Card: Fees & Charges
IDFC FIRST Bank Credit Card: Eligibility & Documentation
Apply for IDFC FIRST Bank Credit Card Online
Frequently Asked Questions

Other IDFC FIRST Bank Credit Cards

Below mentioned are some other credit cards by IDFC FIRST Bank that offer great benefits:

Credit Card Annual Fee Best Suited For
IDFC FIRST WOW! Credit Card Nil Secured Card
IDFC FIRST Power Credit Card Rs. 199 Fuel, Grocery & Utilities
IDFC FIRST Private Credit Card Rs. 50,000 Premium Card with Zero Forex Mark-up
IDFC FIRST Classic Credit Card Nil Rewards, Movies

IDFC FIRST Bank Credit Card Benefits

Each IDFC Bank Credit Card is designed to offer you different benefits. Some of these general benefits are listed below:

  • Lifetime-free Cards: IDFC FIRST Bank offers lifetime free credit cards, thereby requiring no joining or annual fees payments. Some of the top lifetime-free IDFC FIRST Credit Cards include IDFC FIRST Wealth, IDFC FIRST Select, IDFC FIRST Millennia and IDFC FIRST Classic. Amongst these, Millennia and Classic are a good fit for beginners looking for a low-maintenance card as they come with a lower income eligibility criteria of just Rs. 25,000 per month.
  • All-round Benefits: While most IDFC cards offer inclined benefits around selected categories, you also get basic benefits around fuel, dining, insurance covers, and travel. For instance, IDFC FIRST HPCL Power+ Credit Card offers accelerated rewards on fuel, but you also get other benefits such as a high savings rate of 5% on grocery, utilities, and FASTag recharges, among other benefits.
  • Incremental Reward Points: Each IDFC FIRST Credit Card offers rewards on online and in-store transactions, across multiple categories, including shopping, traveling, dining and more. Besides, you also get to earn incremental rewards on varying spend values. For instance, IDFC FIRST Wealth and IDFC FIRST Select offer 10X rewards on monthly spends above Rs. 20,000. Some cards also offer accelerated rewards on birthday spends. The rewards rate offered on cards differs as per the variant. You can redeem these reward points against your online and in-store purchases.
  • Welcome Benefits: All IDFC Credit Cards offer joining or card activation benefits. While some cards offer benefits worth the joining fee, others offer activation benefits even at zero joining fee. The card welcome benefits may range from free e-vouchers of top brands, additional cashback on your first EMI spend and cashback on fuel spends to premium economy ticket vouchers.
  • Lower Fees & Charges: In comparison to other credit cards, IDFC Credit Cards come with lower fees & charges. The interest rate on these cards ranges from 9% to 43.8% per annum. The card also offers lower interest rate on EMI spends, cash withdrawals, and balance transfers. Besides this, some cards also come with zero forex markup fee.

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IDFC FIRST Bank Credit Card Offers: December 2024

Along with unique features and benefits, you can also avail additional offers with your IDFC FIRST Bank Credit Card. Below-mentioned are some of the top IDFC Credit Card Offers:

  • 10% off up to Rs. 500 on EaseMyTrip flights and hotels
  • 20% savings on all Beardo products
  • 10% off up to Rs. 750 on shopping via Myntra
  • Up to 15% off on MakeMyTrip bookings every Friday

Note: The above-mentioned offers are subject to terms & conditions and may change as per the bank’s policies.

IDFC FIRST Bank Credit Card: Fees & Charges

The fees and charges associated with IDFC FIRST Credit Cards are as follows:

Fee Type Amount
Joining/Annual Fee Depends on IDFC FIRST credit card variant
Finance Charges 0.75% – 3.65% per month (9% – 43.8% p.a.)
Late Payment Fee Nil for FIRST Private
15% of the total amount due, subject to a min. of Rs. 100 and a max. of Rs. 1,300 (max. of Rs. 3,000 for IDFC FIRST SWYP)
Forex Markup Fee FIRST Private & FIRST WOW! Credit Cards: Nil
FIRST Wealth Credit Card: 1.50%
FIRST Select & Employee Credit Cards: 1.99%
Club Vistara IDFC FIRST Credit Card: 2.99%
Other IDFC FIRST Bank Credit Cards: 3.50%

Please refer to the terms and conditions for card variants separately. For other fees & charges, terms and conditions related to IDFC FIRST Credit Cards, click here.

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IDFC FIRST Bank Credit Card: Eligibility & Documentation

To be eligible for an IDFC FIRST Credit Card, you must meet the basic eligibility criteria set by the bank as shown below:

  • Age: Must be 18 years old or above
  • Nationality: Indian or non-resident Indian
  • Occupation: Salaried or self-employed
  • Minimum Income: Varies as per the card variant

Apply for IDFC FIRST Bank Credit Card Online

You can apply online for IDFC FIRST Credit Cards, along with the cards issued by other leading providers, like HDFC bank, Axis bank, etc., via Paisabazaar. To apply, follow the steps given below –

Step 1: Enter your mobile number in the form given on this page to start the credit card application process.
Step 2: Verify by entering the OTP received on your mobile number.
Step 3: Check the pre-qualified credit card offers shown on the screen and select the preferred card that suits your needs.
Step 4: Select the card of choice, apply by providing the required documents for further processing and submit your credit card application.

Check Eligibility for Top Credit Cards

Frequently Asked Questions

Q. How to get an IDFC FIRST Bank Credit Card?
A. To get an IDFC FIRST Bank Credit card, you can either apply online via Paisabazaar or contact the bank directly either online or offline. Click here to explore the credit card offers available for you.

Q. How to increase credit card limit in IDFC FIRST Bank?
A. The credit card limit offered on IDFC FIRST credit card is decided by the bank after scrutinizing your application form and based on your income, credit score, repayment history and more. Therefore, you can know about your credit limit only after applying for the credit card. To get your assigned credit card limit increased, you must contact the bank online or offline directly.

Q. Which IDFC FIRST Bank Credit Card is lifetime free?
A. Many of the IDFC FIRST credit cards are lifetime-free, which include IDFC FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth, LIC Classic, LIC Select, FIRST WOW! And Employee credit cards.

Q. What is the validity of reward points earned on IDFC FIRST Bank Credit Card?
A. The reward points earned on IDFC FIRST Bank Credit Cards have a lifetime validity. Thus, they do not expire after a specified period.

Q. Which is the best IDFC FIRST Bank Credit Card?
A. IDFC FIRST Bank offers numerous credit cards, with varying benefits across multiple categories. To choose the best credit card, you must compare multiple card features, and choose the one that matches well with your spending habits and needs, and fits best with your eligibility.

Q. My minimum salary is Rs. 25,000 per month, am I eligible for IDFC FIRST Credit Cards?
A. As per the current income eligibility set by the bank, you are eligible for a few IDFC FIRST Credit Cards at a salary of Rs. 25,000 per month, namely IDFC FIRST Millennia, IDFC FIRST Classic, IDFC FIRST Power and Power Plus. However, the bank may take other factors, such as your credit score and credit history, into consideration before approving your credit card application.

Q. How can the reward points earned be redeemed for IDFC FIRST credit cards?
A. You can instantly use your rewards points to pay for online purchases or in-store purchases by selecting the ‘pay with points’ option. You may also use your reward points to get great deals at https://idfcfirstrewards.poshvine.com/.

Q. I have applied for IDFC FIRST Credit Card, when will I get it?
A. Once the bank approves your credit card application, it may take up to 14-20 working days for the credit card to reach your registered address.

Q. My IDFC FIRST Wealth Credit Card was stolen. What should I do?
A. In case of theft or loss of your credit card, you must contact the IDFC FIRST Bank customer care and report it immediately. The representative will block your credit card to save you from any kind of fraud. You can block your card on your own by logging in to your credit card account as well.

Q. Can I unblock my IDFC FIRST credit card after blocking it?
A. Yes, if you have blocked your credit card, then you can unblock it through mobile banking, net banking or contacting customer care of the bank. However, it is advisable to block your card if you have lost it to protect yourself from any fraud.

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