IDFC FIRST Bank Credit Cards
IDFC First Bank offers a wide range of credit cards under different categories such as Lifestyle and Rewards. These credit cards are designed keeping in mind the needs and aspirations of the customers. Some of the key features of IDFC First Credit Cards include reward points loyalty program and low interest rates.
Top IDFC FIRST Bank Credit Cards in 2025
| Card Name | Annual Fee | Best For |
| IDFC FIRST Millennia Credit Card | Lifetime Free | Lifestyle & Rewards |
| IDFC FIRST Classic Credit Card | Lifetime Free | Lifestyle & Rewards |
| IDFC FIRST Select Credit Card | Lifetime Free | Lifestyle & Rewards |
| IDFC FIRST Wealth Credit Card | Lifetime Free | Lifestyle & Premium |
| IDFC FIRST WOW Credit Card | Lifetime Free | UPI & Digital Payments |
| Club Vistara IDFC FIRST Credit Card | ₹4,999 | Travel & Vistara Miles |
| IDFC FIRST Power Credit Card | ₹199 | Fuel & Utility Rewards |
| IDFC FIRST SWYP Credit Card | ₹499 | Youth & UPI Spends |
| IDFC Ashva Credit Card | ₹2,999 | Travel & Cashback |
| IDFC Mayura Credit Card | ₹5,999 | Travel & Luxury |
| FIRST EARN RuPay Credit Card | ₹499 + GST | Rewards & UPI Payments |
Key Features of IDFC FIRST Bank Credit Cards
IDFC FIRST Bank has four credit cards in lifestyle and rewards categories, offering a full rewards programme that has added benefits like fuel surcharge waiver, railway lounge access, discounts on movie tickets, and discounts on dining in partner restaurants.
1. IDFC FIRST Millennia Credit Card
- 10x reward points on any purchase more than Rs. 20000.
- 3x reward points on applicable offline and online spends of Rs. 2 lakh.
- 25% off on movie tickets each month.
- Personal Accident Cover of Rs. 2 lakh.
- Get 1x reward points on payment of your insurance and utility bills.
2. IDFC FIRST Classic Credit Card
- 3x rewards points on online and offline spends up to Rs.20,000 per month and every spend you make on your birthday.
- 10x rewards points on any spend above Rs.20,000.
- 25% discount on movie tickets in a month up to Rs.100 on the PayTM app.
- Fuel surcharge waiver of 1% on any fuel stations.
- Four complimentary railway lounge visits per quarter.
3. IDFC FIRST Select Credit Card
- 10x reward points for spends for your birthday.
- Four Complimentary visits to domestic airport lounges.
- Up to a 20% discount on dining at 1,500 dining venues.
- Buy 1 get 1 movie ticket purchased through the PayTM mobile app with a discount of up to Rs.250.
4. IDFC FIRST Wealth Credit Card
- 10x reward points for birthday spends and spends up to Rs.20,000.
- 1 complimentary movie ticket offer once per month.
- Complimentary rounds of golf.
- Four complimentary domestic and international airport lounge visits.
5. IDFC First WOW Credit Card
IDFC First WOW Credit card is a secured credit card that comes with a lot of features and benefits. FIRST Wow is a lifetime free credit card as it has NO Joining Fees / Renewal Fees. Following are some more details of the Card:
- Lifetime Free Credit Card
- Unlimited Rewards Points with lifetime validity
- Get 4x Reward Points, on each transaction
- 0% Foreign Transaction Markup Fees
- Earn 3x Reward Points on all UPI payments.
- 100% cashback in the first 4 UPI transactions, maximum cashback of Rs.200, or Rs.50 each.
- You will get a new digital card (issued instantly) on applying for this card.
- You get complimentary Personal Accidental cover, roadside assistance, fuel surcharge waiver.
Fees and Charges
- Joining Fee: Nil
- Renewal Fee: Nil
- Fuel Surcharge: 1% Fuel Surcharge Waiver
- Interest Rates: 0.75% to 3.5% PER month
- Add on Card Fee: Rs.499
Eligibility Requirements to Apply for IDFC FIRST WOW Credit Card
- Age: The applicant should have at least 18 years of age to apply for IDFC FIRST WOW Credit Card.
- Residence: He/she should be a residential in India and have permanent residential address in India.
- FD: The applicant is required to have a FD with the IDFC FIRST Bank.
6. IDFC First Power Credit Card
IDFC First Bank has released its first co-branded credit card. The bank released two cards in partnership with Hindustan Petroleum Corporation Limited. IDFC HPCL First Power Plus Credit card gives card holders up to Rs.7,000 savings annually. In addition to a wide range of savings options, the card also lets you access offers and discounts from a wide range of brands. Some of the some features of the card are listed below:
- 2.5% off as IDFC FIRST FASTag recharge rewards; 2X off as rewards on other retail purchases.
- Save up to 5% on your fuel expenses.
- Rs.1000 off Zoomcar rentals.
- Rs.250 cashback on your first HPCl fuel transaction of Rs.250 or more.
- 5% cashback (up to Rs.1,000) on the transaction amount of your first EMI conversion.
- Up to 50% off domestic and international car rentals with Eco Rent A Car and Europcar.
- Rs.1,399 worth of roadside assistance for free.
- A Rs.2 lakh personal accident cover and a Rs.25,000 lost card liability cover.
- You could get up to 10,000 Rewards for referring friends.
7. IDFC First SWYP Credit Card
The IDFC FIRST SWYP Credit Card is the first ever FIRST SWYP Credit Card from IDFC Bank, which adds newness to the Indian credit market with its features of reward poiting, discounts to reputed vendors like Tata CLiQ, Zomato, and Dominos; it appeals in particular to the younger demographic. Furthermore, you can also easily link the card to your UPI apps with a minimal annual membership fee of Rs.499.
Features and Benefits of IDFC First SWYP Credit Card
- 100% cashback on the first four UPI transactions (up to ₹200) for 1st 4 UPI Transactions (₹50/transaction).
- Monthly rewards for UPI transactions – where you get 100 Reward Points for every ₹5,000 spent on UPI in a statement month.
- When you spend more than ₹5,000 a month, you earn 200 reward points; when you spend more than ₹10,000, you will get 500 reward points – and when you spend more than ₹15,000, you will earn 1000 reward points.
- You will receive a welcome travel discount coupon of ₹21,000.
- The only Annual Membership Subscription fee is ₹499.
IDFC Credit Card Reward Points
- IDFC First Select Credit Card Rewards
- Earn 10x rewards points for every *100 spent on your birthday.
- Earn 10x rewards points for every *100 spent on your birthday on purchases over *20,000.
- IDFC First Classic Credit Card Rewards
- Get 10x reward points for every ₹100 spent on purchases of over ₹20,000!
- Get 10x reward points for every ₹100 spent on your birthday!
- 1 reward point for ₹150 spent.
- Get 3x reward points for ₹100 spent in offline transaction up to ₹20,000.
- IDFC First Wealth Credit Card Rewards
- Earn 10x reward points for every ₹100 spent when you purchase more than ₹20,000.
- Earn 10x reward points for every ₹100 spent on your birthday.
- Earn 1 reward point for every ₹150 spent on any other purchases.
- Earn 3x reward points for every ₹100 spent on offline transactions limited to ₹20,000.
- IDFC First Millennia Credit Card Rewards
- 10x reward points for every Rs.100 spent on the cardholders’ birthdays.
- 10x reward points for every Rs.100 spent on purchases over Rs.20,000.
- One reward point for every Rs.150 spent.
- 3x reward points for every Rs.100 spent on offline transactions limited to Rs.20,000.
Lounge Access with IDFC Credit Cards
| Card | Airport Lounge | Railway Lounge |
| IDFC First Select Credit Card | 4 complimentary per quarter | 4 per quarter |
| IDFC First Classic Credit Card | NA | 4 per quarter |
| IDFC First Wealth Credit Card | 4 domestic + international | 4 per quarter |
| IDFC First Millennia Credit Card | NA | 4 per quarter (on ₹20K+ spends) |
Key Benefits of IDFC FIRST Bank Credit Cards
- Interest-Free Cash Withdrawal:
Withdraw cash from an ATM against your IDFC FIRST credit card and avail up to 48 days of interest-free period. This benefit applies to all IDFC FIRST Bank credit cards. - Low Interest Rates:
Interest rates start from 0.75% per month (9% annually) and even at the highest rate of 3.99% per month, it remains lower than many other banks. - Welcome Benefits:
Spend ₹15,000 within the first 90 days of getting your card to receive welcome benefits, which include a combination of gift vouchers. - Cashback:
Get 5% cashback on MIT 100-EMI payments made within 90 days of receiving the card. - Insurance:
Enjoy Personal Accident Cover up to ₹10 lakh and a complimentary Lost Card Liability Cover up to ₹50,000. - Vehicle Benefits:
Complimentary Roadside Assistance up to ₹1,399 with your IDFC FIRST credit card.
IDFC FIRST Bank Credit Card Fees and Charges
| Type of Charge | Fee/Charge Details |
| Annual Fee | Up to ₹499 |
| Finance Charge | 8.5% p.a. to 46.2% p.a. |
| Joining Fee | Up to ₹499 |
| Late Payment Charges | 47.88% p.a. |
| Cash Advance Fee | ₹199 |
| Over Limit Charges | 0% – 2.5% of the over-limit amount |
| Rewards Redemption Fee | ₹99 per redemption |
| Return of Cheque | 2% of total payment (minimum ₹500) |
| Fee on Cash Payment | Nil |
| Duplicate Statement Request | Nil |
| Outstation Cheque Processing Fee | Nil |
| Card Replacement Fee | ₹199 + taxes |
| Chargeslip Request | Nil |
| Cheque Pick-up Fee | Nil |
| Foreign Currency Mark-up | 1.5% to 3.5% |
| Fuel Surcharge | 1% on transactions > ₹30,000 (waived up to ₹400 per statement cycle) |
| Education Fee Payment Charges | 1% fee (minimum ₹249) via third-party platforms |
Eligibility Criteria and Documents Required for IDFC FIRST Bank Credit Cards
| Category | Documents Required |
| Address Proof | Telephone bill, Aadhaar card, Electricity bill, Rental agreement, Passport, Ration card |
| Proof of Identity | Voter’s ID card, Passport, Ration card, Aadhaar card, Driving licence, PAN card |
| Income Proof (Self-Employed) | Audit report, balance sheet, loss statement, business financials, latest Income Tax Returns (ITR) |
| Income Proof (Salaried) | Latest salary slip, salary certificate, employment letter |
How to Apply for IDFC FIRST Bank Credit Cards Online
Applying via IDFC FIRST Bank Official Website
- Go to the official IDFC FIRST Bank website.
- Click on ‘Personal Banking’.
- Select the ‘Cards’ tab.
- Click on ‘Credit Cards’.
- Click the ‘Apply’ option on the credit card page.
- Fill in your basic details.
- A bank representative will contact you to complete the process.
IDFC FIRST Credit Card Bill Payment Options
Online Payments
- NetBanking: Pay via IDFC FIRST Bank Credit Card website or mobile app.
- NEFT / IMPS: Transfer money using NEFT or IMPS by adding your credit card as beneficiary.
- Cheque: Write a cheque with your credit card number and amount; drop it at any IDFC FIRST Bank branch.
- Auto-Debit Facility: Set up monthly auto-debit from your bank account.
- UPI: Pay via any UPI app using your credit card’s assigned UPI ID.
Offline Payments
- ATM: Pay at any IDFC FIRST Bank ATM by selecting credit card deposit option.
- Bank Branch: Visit your nearest IDFC FIRST Bank branch to pay at the counter.
Commonly Asked Questions (FAQs) on IDFC FIRST Bank Credit Cards
Q. Are all IDFC FIRST Bank Credit Cards lifetime free?
A. No. Some cards are lifetime free, while others may have annual or joining fees depending on the card type and eligibility.
Q. Is there any minimum salary to apply for the IDFC FIRST Bank Credit Cards?
A. No fixed minimum salary is required; eligibility depends on income, credit score, and repayment history.
Q. Can I withdraw cash from an ATM using my IDFC FIRST Bank Credit Cards?
A. Yes, but a cash advance fee of ₹199 applies along with interest charged from the withdrawal date at up to 3.99% per month.
Q. How long does it take to receive the IDFC FIRST Bank Credit Cards?
A. Usually within 14 working days after application approval, delivered to your postal address.
Q. What should I do if my IDFC FIRST Bank Credit Cards is lost or stolen?
A. Contact IDFC FIRST Bank customer care immediately to block your card and request a replacement.
Q. How can I increase my credit limit on the IDFC FIRST Bank Credit Cards?
A. Credit limit depends on your income, credit profile, and repayment history. Request increase via customer care or nearest branch.
Q. How can I activate my IDFC FIRST Bank Credit Cards?
A. Activate by setting a PIN on the IDFC FIRST mobile app under “Manage Card” > “Set PIN” or call customer care and follow IVR instructions.
Disclaimer
The information, products, and services on this site is for general information purposes only. We try to make sure all content is accurate and update promptly, but sometimes there may be errors, delays, or omissions.
The information provided on this site is not a substitute for professional financial, legal, or other advice. Before making financial decisions or using any product/service, we encourage you to read the relevant documents or terms and conditions carefully. If you want guidance regarding your personal situation you should speak to a qualified advisor.If you find any errors, please contact us.
*All services are subject to applicable terms and conditions.
Vikas Saini: Published on 04/06/2025 02:36:32 PM
