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 Bank credit card
Popular • Rewards • Travel • Lifestyle • UPI
Low interest. Clear rewards. Flexible repayment.
No fluff — features that make everyday spending easier.
Compare at a glance
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 (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?
Varies by card. Mayura 0%, Ashva 1%, IndiGo IDFC FIRST 1.49%, Millennia 3.5%. FIRST Power & Power+ standard markups.
