IDFC First Bank Credit Cards 2025
Explore all credit cards from IDFC First Bank. 18 cards ranked by our experts.
Visit Official WebsiteShowing 18 cards
Best for: New credit users, EMI users, those seeking low interest rates
IDFC FIRST Millennia
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
Rewards rate
₹2.50/₹100
Joining fee
FREE
Interest rate
9.99%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual fee. Very low 9% APR. 10X rewards on high spends. Railway lounge access. 25% off on movies. Personal accident cover
Cons
- No airport lounge access. Rs 99 redemption fee. Rewards not on fuel/insurance
FIRST Wealth
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on IDFC First Bank's website
Annual fee
₹10,000
Rewards rate
₹3.00 - ₹7.50/₹100
Joining fee
₹10,000
Interest rate
9.00%
Card details
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹500000
- 12 complimentary international lounge visits per year
- Unlimited domestic lounge access
- Good insurance coverage up to ₹52 lakh
- 24x7 dedicated concierge service
- Extended interest-free period of 50 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High income requirement of ₹100K per month
- Invite-only card - not available for direct application
FIRST Classic
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on IDFC First Bank's website
Annual fee
FREE
Rewards rate
₹0.17/₹100
Joining fee
FREE
Interest rate
9.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: Young professionals, students, and first-time cardholders
FIRST SWYP
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on IDFC First Bank's website
Annual fee
FREE
Rewards rate
₹2.50 - ₹7.50/₹100
Joining fee
FREE
Interest rate
23.88%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifestyle, Lifetime Free, Student
CardNitty's take
Pros
- Lifetime free with no annual fee
- 10X rewards on entertainment and OTT
- Best for young professionals and students
- Low income requirement (Rs.15,000/month)
- Easy approval for first-time cardholders
- Instant EMI options available
Cons
- Lower credit limit (max Rs.1 lakh)
- No lounge access benefits
- Limited to age 18-35 years
- Standard forex markup of 3.5%
- No add-on cards available
Best for: IDFC Private customers, international travelers, low-interest seekers, golf enthusiasts
IDFC FIRST Private
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on IDFC First Bank's website
Annual fee
₹50,000
Rewards rate
₹6.67 - ₹22.50/₹100
Joining fee
₹50,000
Interest rate
9.00%
Card details
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Industry-lowest 9% APR interest rate
- 0% forex markup on international transactions
- 10X rewards (up to 60X on hotel bookings via app)
- 1 RP = Rs.1 value on travel redemptions
- Unlimited domestic + international lounge access
- Unlimited golf in India + international
- 0% cash advance interest (up to 48 days)
- No late payment or overlimit fees
- Club ITC Culinaire + Accor Plus memberships
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for Private Banking customers
- Rs.40L annual spend needed for ITC membership renewal
- Redemption capped at 70% of booking value
- 3L points annual/1.5L monthly redemption cap
- Spa access discontinued Dec 2025
Best for: Youth, students, international travelers, first-time cardholders
FIRST WOW! Black
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on IDFC First Bank's website
Annual fee
₹750
Rewards rate
₹0.67 - ₹7.00/₹100
Joining fee
₹750
Interest rate
42.00%
Card details
Categories Lifestyle, Lounge Access, Rewards, Secured, Travel, Youth
CardNitty's take
Pros
- Zero forex markup on international spends
- Welcome benefits worth Rs.5,000+ for Rs.750 fee
- Up to 16.7% value back on hotel bookings
- 4 RP per Rs.150 base rewards (2.67%)
- 4 domestic lounge visits/year (quarterly)
- UPI-enabled RuPay virtual card included
- 3 RP per Rs.150 on UPI above Rs.2,000
- Trip cancellation cover up to Rs.10,000
- FD-backed: no income/credit score needed
- 1% fuel surcharge waiver (up to Rs.200/month)
- Annual fee waived on Rs.1.5L spend
Cons
- Only Rs.750 joining/annual fee (not lifetime free)
- Requires minimum Rs.20,000 FD
- Lounge needs Rs.20K monthly spend unlock
- Only 4 domestic lounges/year (1 per quarter)
- No international lounge access
- No personal accident insurance
- Low base reward rate (0.67%)
- Limited to 2 trip cancellation claims/year
- Points worth Rs.0.25 (Rs.0.50 only for travel)
- No golf, spa, or concierge benefits
IndiGo IDFC FIRST Secured
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on IDFC First Bank's website
Annual fee
FREE
Rewards rate
₹0.50 - ₹1.50/₹100
Joining fee
FREE
Interest rate
9.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: Existing cardholders using Maharaja Points for Air India
Club Vistara IDFC FIRST
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on IDFC First Bank's website
Annual fee
₹4,999
Rewards rate
₹3.00 - ₹5.00/₹100
Joining fee
₹4,999
Interest rate
42.00%
Card details
Forex Markup
2.99%
Min Monthly Income ₹25
Categories Airlines, Discontinued, Lounge Access, Travel
CardNitty's take
Pros
- 5 Premium Economy ticket vouchers (now discontinued)
- Low 2.99% forex markup
- 6 Maharaja Points per Rs.200
- Free Premium Economy ticket on joining
- Maharaja Club Silver membership
- 8 airport + 4 international lounges/year
- 4 golf rounds + 12 lessons annually
- Rs.1 Cr air accident + Rs.10L personal accident
- 10X rewards on birthday dining
Cons
- Card discontinued - no new applications
- Annual fee Rs.4,999 (now waived)
- Lounge access needs Rs.20K monthly spend
- Milestone benefits discontinued April 2025
- Valid only till March 31, 2026
- No fuel surcharge waiver
FIRST Premia
APPLY NOW
on IDFC First Bank's website
Annual fee
₹3,999
Rewards rate
₹1.50 - ₹5.00/₹100
Joining fee
₹3,999
Interest rate
9.00%
Card details
Forex Markup
1.50%
Min Monthly Income ₹50
Categories Lounge Access, Premium, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.50% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Best for: High reward rate, lounge access, travel benefits
IDFC FIRST Select
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
Rewards rate
₹1.00 - ₹1.67/₹100
Joining fee
₹999
Interest rate
9.00%
Card details
Forex Markup
2.50%
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Excellent reward rate up to 6X, lounge access, low forex markup
Cons
- Points value lower than some competitors
FIRST Vistara Signature
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
Rewards rate
₹1.50 - ₹4.50/₹100
Joining fee
₹2,999
Interest rate
9.00%
Card details
Forex Markup
1.80%
Min Monthly Income ₹50
Categories Lounge Access, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
IDFC FIRST WOW
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
Rewards rate
₹0.20 - ₹0.40/₹100
Joining fee
FREE
Interest rate
9.99%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifetime Free, Low Interest, Student
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
FIRST Mayura
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
Rewards rate
₹0.50 - ₹1.25/₹100
Joining fee
₹999
Interest rate
9.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 50 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
LIC IDFC FIRST Classic
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
Rewards rate
₹0.17 - ₹0.50/₹100
Joining fee
₹499
Interest rate
9.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
LIC IDFC FIRST Select
APPLY NOW
on IDFC First Bank's website
Annual fee
₹2,999
Rewards rate
₹1.00 - ₹3.00/₹100
Joining fee
₹2,999
Interest rate
9.00%
Card details
Forex Markup
1.80%
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
FIRST Digital RuPay
APPLY NOW
on IDFC First Bank's website
Annual fee
FREE
Rewards rate
₹0.17/₹100
Joining fee
FREE
Interest rate
9.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Lifetime Free
CardNitty's take
Pros
- Lifetime free - no annual or joining fee
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
FIRST Ashva
APPLY NOW
on IDFC First Bank's website
Annual fee
₹499
Rewards rate
₹0.20/₹100
Joining fee
₹499
Interest rate
9.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 50 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
Best for: Lifestyle users seeking balanced rewards on dining and entertainment
IDFC FIRST Power
APPLY NOW
on IDFC First Bank's website
Annual fee
₹999
Rewards rate
₹0.75 - ₹2.50/₹100
Joining fee
₹999
Interest rate
N/A
Card details
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Reward rates vary significantly across categories
- No complimentary lounge access
- High income requirement of ₹360K per month
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