Rewards that never expire. Benefits that matter.
Lifetime free options, low forex markup, lounge access & flexible EMIs.
Pay via UPI. Earn on eligible spends.
Instant issuance on select variants. Full control in app.
Fly smarter with lounge & low forex.
Complimentary access across select lounges and travel partners.
Find the right IDFC FIRST style card
Popular • Rewards • Travel • Lifestyle • UPI
FIRST Classic Credit Card
- Up to 10X rewards that never expire
- 25% Off on PayTM Movies (up to ₹100, once a month)
- 4 complimentary Railway Lounge Access per quarter
FIRST Select Credit Card
- Up to 10X never expiring reward points
- Domestic Airport Lounge Access (select)
- Movie ticket offers, Fuel surcharge waiver & more
FIRST Millennia Credit Card
- 10X rewards on spends > ₹20K/month & birthdays
- Welcome benefits worth up to ₹1,500
- 4 complimentary Railway Lounge Access per quarter
- 25% off on movie tickets (up to ₹100)
FIRST SWYP Credit Card
- Welcome benefits worth ₹2,000
- Up to 1,400 reward points on monthly spends
- Up to 20% off on Featured Partners
FIRST Millennia Credit Card
- 1% Fuel Surcharge Waiver (up to ₹200/month)
- Rewards on online & offline spends
- EMI conversion for big purchases
FIRST EA₹N FD Credit Card
- 100% cashback on UPI spends
- Welcome benefit of 100% cashback up to ₹200
- Secured against Fixed Deposit
FIRST Power Credit Card
- Powered with UPI
- Welcome benefit worth ₹1,400
- 5% savings on fuel spends
- 2.5% savings on Grocery & Utility spends
FIRST Power+ Credit Card
- Powered with UPI
- 6.5% savings on fuel spends
- 5% savings on Grocery & Utility spends
- Complimentary Airport Lounge Access
Low interest. Clear rewards. Flexible repayment.
No fluff—features that make everyday spending easier.
Compare at a glance
| Feature | FIRST Classic | FIRST Select | FIRST Wealth | Mayura | Ashva | FIRST Millennia | IndiGo Dual | FIRST Power | FIRST Power+ |
|---|---|---|---|---|---|---|---|---|---|
| Annual / Joining Fee | Lifetime Free | Zero / As per variant | As per variant | ₹5,999 + GST | ₹2,999 + GST | Lifetime Free | ₹4,999 + GST (FD option available) | As per variant | ₹499 |
| Rewards | Up to 10X | Travel & dining multipliers | Premium multipliers | Up to 10X (50X on travel) | Up to 10X | Up to 10X | Up to 22 BluChips | 5% Fuel, 2.5% Grocery & Utility | 6.5% Fuel, 5% Grocery & Utility |
| Lounge Access | Railway | Domestic (select) | Domestic & International | International & Domestic (16/year) | Domestic (4/Qtr), International (2/Qtr) | Railway (4/Qtr) | — | — | Airport |
| Forex Mark-up | Standard | Low | Low | 0% | 1% | 3.5% | 1.49% | Standard | Standard |
Frequently asked questions
Is there a joining fee?
Many variants are lifetime free; premium variants may have fees as per policy. For example, IndiGo IDFC FIRST has a joining fee, but an FD-backed option can waive it.
How do I convert purchases to EMI?
Eligible transactions can be converted via app/net banking for amounts over ₹2,500. T&Cs apply.
Do reward points expire?
On many variants (like Millennia, Classic, Select, Wealth), reward points do not expire. Check card-specific T&Cs.
What documents are required?
PAN, Aadhaar & income proof (salary slip/ITR) may be required depending on eligibility and card type. FIRST EA₹N FD requires no income documents.
What is the forex markup on these cards?
The forex markup varies by card: Mayura has 0%, Ashva has 1%, IndiGo IDFC FIRST has 1.49%, and Millennia has 3.5%. FIRST Power and Power+ have standard forex markups.
