IDFC FIRST Bank offers a range of innovative credit cards tailored to suit various financial needs. Whether you're looking for a card with zero annual fees, high reward rates, or exclusive travel benefits, IDFC FIRST Bank has you covered. This guide explores the features, rewards, fees, and benefits of IDFC FIRST Bank Credit Cards to help you make an informed decision.


IDFC FIRST Millennia Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Shopping

Reward Type

Reward Points

Welcome Benefits

5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation


IDFC FIRST Select Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Vouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.


IDFC FIRST Classic Credit Card

Joining Fee

Lifetime Free

Renewal Fee

Lifetime Free

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Welcome gift voucher worth ₹500 on spending ₹5,000 or more within the first 30 days. Also, get 5% cashback on the value of your first EMI transaction done within 30 days of card generation.


IDFC FIRST Wealth Credit Card

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction


Club Vistara IDFC First Credit Card

Joining Fee

Rs. 4,999 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

Complimentary class upgrade voucher and 1 premium economy flight ticket voucher for Air Vistara


Why Choose IDFC FIRST Bank Credit Cards?

  • Zero Annual Fees: Most IDFC FIRST Bank Credit Cards come with no annual charges.
  • Flexible Rewards: Earn accelerated reward points and redeem them across multiple categories.
  • Interest-Free Period: Up to 48 days of interest-free credit.
  • Lifetime Free Option: Enjoy lifetime free credit cards with no hidden costs.

IDFC FIRST Bank Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
IDFC FIRST Wealth CardPremium LifestyleComplimentary lounge access, milestone rewards10X Reward Points on spends above INR 20,000INR 0
IDFC FIRST Select CardEveryday SpendsHigh rewards on groceries, dining, and more6X Reward Points on spends above INR 15,000INR 0
IDFC FIRST Classic CardEntry-Level BenefitsFuel surcharge waiver, EMI options4X Reward Points on all spendsINR 0
IDFC FIRST Millennia CardYoung ProfessionalsCashback, dining discounts, and EMI options5X Reward Points on online transactionsINR 0

Rewards Comparison Chart

Card NameReward RateHow to Redeem
IDFC FIRST Wealth Card10X Reward Points on spends above INR 20,000Redeem for travel, merchandise, or vouchers
IDFC FIRST Select Card6X Reward Points on spends above INR 15,000Convert points to cashback or travel rewards
IDFC FIRST Classic Card4X Reward Points on all spendsAdjust points for cashback or vouchers
IDFC FIRST Millennia Card5X Reward Points on online transactionsRedeem for e-vouchers or statement credits

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 0 for all IDFC FIRST Bank Credit Cards
Late Payment FeeINR 100 to INR 1,000 based on outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee2.5% of the withdrawn amount (min INR 300)
Interest RateStarting at 0.75% per month (9% per annum)

How to Apply for an IDFC FIRST Bank Credit Card?

  1. Visit the official IDFC FIRST Bank website.
  2. Explore the range of available credit cards.
  3. Fill out the online application form with your details.
  4. Upload necessary documents like ID proof and income proof.
  5. Submit your application and track its status online.

Final Thoughts

IDFC FIRST Bank Credit Cards are an excellent choice for those seeking value-packed features with zero annual fees. With rewards tailored to everyday spending and premium benefits for high spenders, IDFC FIRST Bank ensures there's a card for everyone. Compare the options above and find the card that suits your financial needs today!

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