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IDFC FIRST Bank Credit Cards

IDFC FIRST Bank offers credit cards with rewards, lifestyle, travel and everyday-spending benefits across multiple customer segments.

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Total Offerings

19 Active Cards

Fee Range

₹0 (LTF) – ₹25,000

Payment Networks

Visa • Mastercard • RuPay

Zero Fee / LTF

5 Lifetime Free

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IDFC FIRST BANK PORTFOLIO

IDFC FIRST Bank Credit Cards

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Showing 19 of 19 verified IDFC FIRST Bank credit cards
Verified
4.5
IDFC FIRST Bank Ashva Metal Credit Card

IDFC FIRST Bank Ashva Metal Credit Card

TravelShoppingAirport Lounge
BEST FOR

Frequent travelers and lifestyle spenders seeking solid metal card prestige, low foreign exchange fees, and airport lounge access at an accessible fee tier.

Annual Fee₹2,999
Rewards5X points (5 RP per ₹150) up to ₹20,000 monthly spend; 10X points (10 RP per ₹150) on incremental spend > ₹20,000
Lounge Access4 Domestic + 2 International visits/quarter · ₹20k monthly spend required
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹6,00,000 annual spend

Last verified 17 Sept 2026

visa
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Verified
4.4
IDFC FIRST Bank Mayura Metal Credit Card

IDFC FIRST Bank Mayura Metal Credit Card

TravelShoppingAirport Lounge
BEST FOR

Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points.

Annual Fee₹5,999
Rewards10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000
Lounge Access4 Domestic + 4 International visits/quarter · ₹20k monthly spend required
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹9,00,000 annual spend

Last verified 17 Sept 2026

visa
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Verified
4.5
IDFC FIRST Classic Credit Card

IDFC FIRST Classic Credit Card

TravelLifetime FreeShopping
BEST FOR

Everyday In-Store Spenders, Value Shoppers & Zero-Forex Budget Travelers

Annual Fee₹0 (LTF)
Rewards3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 2 Oct 2026

visa
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Verified
4.4
IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST Diamond Reserve Credit Card

TravelAirport LoungeInternational Spends
BEST FOR

High-spending professionals, executive travelers, and golf enthusiasts looking for non-expiring reward points and international lounge visits.

Annual Fee₹3,000
Rewards10X on spends above ₹20,000/month; 5X on retail below ₹20,000
Lounge Access2 Domestic visits/quarter + 8 International visits/year · ₹20k monthly spend required (Domestic)
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

visa
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Verified
4.3
IDFC FIRST Digital RuPay Credit Card

IDFC FIRST Digital RuPay Credit Card

UPI / RuPay
BEST FOR

Existing and new IDFC FIRST Bank customers who want a virtual Lifetime Free card for instant QR code payments with non-expiring reward points.

Annual Fee₹199
Rewards3X points on UPI spends > ₹2,000; 1X on UPI spends <= ₹2,000
Lounge AccessNone / Spend-based
Forex MarkupStandard (3.5%)
Renewal fee waived on ₹50,000 annual spend

Last verified 2 Oct 2026

rupay
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Verified
4.2
IDFC FIRST EARN Credit Card

IDFC FIRST EARN Credit Card

ShoppingSecured / FD Backed
BEST FOR

Young professionals, online shopping enthusiasts, and milestone spenders seeking accelerated rewards with non-expiring points and an accessible fee waiver.

Annual Fee₹499
Rewards1% cashback on UPI via IDFC app; 0.5% cashback on general retail and other UPI
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹50,000 annual spend

Last verified 14 Oct 2026

rupay
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Verified
4.7
IDFC FIRST Gaj Credit Card

IDFC FIRST Gaj Credit Card

TravelShoppingAirport Lounge
BEST FOR

Ultra-high-net-worth individuals and private wealth clients seeking a prestigious metal card with unlimited global lounge access and zero-interest cash liquidity.

Annual Fee₹12,500
Rewards5 Reward Points per ₹150 on general retail (3.33% travel return; 1 RP = ₹1.00 on travel)
Lounge Access4 Domestic visits/quarter + 16 International visits/year · ₹20k monthly spend required (Domestic)
Forex Markup1.5%
Renewal fee waived on ₹10,00,000 annual spend

Last verified 3 Oct 2026

visa
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Verified
4.1
IDFC FIRST Hello Cashback Credit Card

IDFC FIRST Hello Cashback Credit Card

ShoppingSecured / FD Backed
BEST FOR

Households and everyday spenders seeking predictable monthly utility savings, grocery discounts, and low interest financing.

Annual Fee₹1,000
Rewards5% on online spends > ₹10,000; 3% on online <= ₹10,000; 1% on retail in-store and UPI
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹1,00,000 annual spend

Last verified 14 Oct 2026

visa
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Verified
4.1
IDFC FIRST HPCL Power Credit Card

IDFC FIRST HPCL Power Credit Card

Fuel
BEST FOR

Daily vehicular commuters, bike/car owners, and budget-conscious drivers who fuel up regularly at Hindustan Petroleum (HPCL) outlets.

Annual Fee₹199
RewardsUp to 5% savings on HPCL fuel via HP Pay; 2.5% on groceries and utility bills; 2X on other retail
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹50,000 annual spend

Last verified 2 Oct 2026

rupay
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Verified
4.7
IDFC FIRST HPCL Power+ Credit Card

IDFC FIRST HPCL Power+ Credit Card

FuelAirport Lounge
BEST FOR

Daily motorists, highway commuters, and budget-conscious suburban families looking to save up to 6.5% on HPCL fuel along with solid 5% grocery and utility returns.

Annual Fee₹499
RewardsUp to 6.5% savings on HPCL fuel; 5% on grocery, utility, and FASTag; 3X on other retail
Lounge Access1 Domestic visits/quarter · ₹20k monthly spend required
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹1,50,000 annual spend

Last verified 17 Sept 2026

rupay
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Verified
4.6
IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card

Lifetime FreeShoppingEntertainment
BEST FOR

Millennials, Digital Shoppers, Zero-Forex Spenders & IRCTC Train Commuters

Annual Fee₹0 (LTF)
Rewards3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000
Lounge AccessNone / Spend-based
Forex Markup3.5%

Last verified 2 Oct 2026

visa
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Verified
4.7
IDFC FIRST Private Credit Card

IDFC FIRST Private Credit Card

TravelShoppingAirport Lounge
BEST FOR

Ultra-high-net-worth clients, global business executives, and luxury travelers demanding zero forex markups, spa privileges, and never-expiring reward points.

Annual Fee₹25,000
Rewards6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
Lounge AccessUnlimited Domestic & International
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹25,00,000 annual spend

Last verified 17 Sept 2026

visa
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Verified
4.1
IDFC FIRST Quantum+ Credit Card

IDFC FIRST Quantum+ Credit Card

ShoppingSecured / FD Backed
BEST FOR

Young professionals and smart revolvers looking for low-interest financing, lifestyle merchant offers, and zero carrying charges.

Annual Fee₹0 (Free)
Rewards2% on online spends > ₹10,000; 1% on online <= ₹10,000, in-store, and UPI
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)

Last verified 14 Oct 2026

visa
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Verified
4.4
IDFC FIRST Select Credit Card

IDFC FIRST Select Credit Card

TravelLifetime FreeShopping
BEST FOR

Moderate-to-High Spenders, Zero-Forex Shoppers, Weekend Moviegoers & Domestic Travelers

Annual Fee₹0 (LTF)
Rewards3X on offline retail; 6X on online shopping up to ₹20,000/month; 10X on incremental spends > ₹20,000
Lounge Access2 Domestic visits/quarter · ₹20k monthly spend required
Forex Markup1.99%

Last verified 2 Oct 2026

visa
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Verified
4.6
IDFC FIRST SWYP Credit Card

IDFC FIRST SWYP Credit Card

TravelShoppingEntertainment
BEST FOR

Young salaried professionals, college graduates, and OTT subscribers seeking lifestyle perks and manageable ₹1,00,000 spend fee waivers.

Annual Fee₹499
RewardsMilestone-based rewards: up to 4,000 points per month based on total spend thresholds
Lounge AccessNone / Spend-based
Forex Markup3.5%
Renewal fee waived on ₹1,00,000 annual spend

Last verified 17 Sept 2026

visa
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Verified
4.5
IDFC FIRST Wealth Credit Card

IDFC FIRST Wealth Credit Card

TravelLifetime FreePremium
BEST FOR

High-income earners, corporate executives, and global travelers looking for comprehensive airport lounge and golf privileges without paying recurring annual credit card maintenance fees.

Annual Fee₹0 (LTF)
Rewards10X on dining, travel, international & spends > ₹20,000/month; 6X on online up to ₹20,000; 3X on offline
Lounge Access3 Domestic visits/quarter + 4 International visits/year · ₹20k monthly spend required (Domestic), ₹20k monthly spend required (International)
Forex Markup0% (Zero Forex)

Last verified 17 Sept 2026

visa
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Verified
4.4
IDFC FIRST WOW! Black Credit Card

IDFC FIRST WOW! Black Credit Card

TravelShoppingAirport Lounge
BEST FOR

International travelers, overseas online shoppers, and affluent consumers seeking a luxury metal card with guaranteed approval and zero forex markup.

Annual Fee₹750
Rewards4X points on online, offline, and international spends; 1X on utilities/insurance
Lounge Access1 Domestic visits/quarter · ₹20k monthly spend required
Forex Markup0% (Zero Forex)
Renewal fee waived on ₹1,00,000 annual spend

Last verified 3 Oct 2026

mastercard
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Verified
4.5
IDFC FIRST WOW! Credit Card

IDFC FIRST WOW! Credit Card

Lifetime FreeShoppingDining
BEST FOR

Credit builders, students, freelancers without income proof, and overseas travelers seeking a guaranteed-approval card with zero foreign exchange fees and high FD interest.

Annual Fee₹0 (LTF)
Rewards4X points (4 RP per ₹200) on online, offline, and international retail transactions (0.50% return)
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)

Last verified 17 Sept 2026

visa
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Verified
4.4
IndiGo IDFC FIRST Credit Card

IndiGo IDFC FIRST Credit Card

TravelSecured / FD Backed
BEST FOR

IndiGo flight rewards & dual-network flexibility against IDFC FIRST Fixed Deposit

Annual Fee₹4,999
RewardsUp to 22 BluChips/₹100 for Flight Bookings Via the IndiGo Website/App. 0.5 BluChips/₹100 for UPI, Rent, Utility, Insurance, and Wallet Spends, and 3 BluChips/₹100 for Other Elig...
Lounge AccessNone / Spend-based
Forex Markup0% (Zero Forex)

Last verified 14 Oct 2026

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COMPETITOR BENCHMARK

Compare IDFC FIRST Bank vs Competitor Banks (2026)

Benchmark IDFC FIRST Bank flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

IDFC FIRST Bank vs Competitor Banks (2026 Comparison)

Open Compare Matrix
Bank & Flagship CardKey SpecializationAnnual FeeTop Highlight / PerkAction
Cashback₹1,0005% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)Explore
Cashback₹999Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-inExplore
CashbackFree (LTF)Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal chargesExplore
Cashback₹50025% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks AppExplore
Travel₹5,000Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spendExplore
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About IDFC FIRST Bank Credit Cards

Issuer history, core reward architecture, and market position

Why Choose IDFC FIRST Bank Credit Cards?

Distinctive advantages of holding cards from IDFC FIRST Bank

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

IDFC FIRST Bank Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

  • Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
  • Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
  • Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
  • Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

  • Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
  • Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
  • Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
  • Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.
Frequently Asked Questions

Frequently Asked Questions About IDFC FIRST Bank Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a IDFC FIRST Bank credit card online?
You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen IDFC FIRST Bank card. You will be redirected securely to IDFC FIRST Bank's official digital application portal to complete KYC and application verification.
What are the eligibility and credit score requirements for IDFC FIRST Bank credit cards?
Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.
Can I get an annual fee waiver on IDFC FIRST Bank credit cards?
Many IDFC FIRST Bank credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.
Do IDFC FIRST Bank credit cards support RuPay UPI payments?
Yes, IDFC FIRST Bank issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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