Best IDFC FIRST Bank Credit Cards
IDFC FIRST Bank is known for offering a wide range of simple and useful credit cards for different types of users. The bank was established in 2014 with approval from the Reserve Bank of India and started its operations in 2015. It is headquartered in Mumbai. IDFC FIRST Bank focuses on providing affordable and easy banking services, including savings accounts, debit cards, and credit cards. Many of its credit cards are lifetime free, have low interest rates, and offer rewards on daily spending like shopping, travel, fuel, and online payments. These reward points do not expire, making them more valuable for users.
The bank has expanded fast in the credit card segment by offering clear and easy-to-understand products that are designed to be customer-friendly. It also provides secured credit cards like the IDFC WoW! Card and IDFC Smart Earn Credit Card, which are suitable for students and first-time users. As per RBI reports, the bank has over 43.4 lakh active credit cards in India as of December 2025, showing its strong growth and increasing popularity.
List of Top IDFC First Bank Credit Cards
IDFC First Bank Credit Cards were launched in January 2021, offering options for both premium and everyday users. Many of these cards come with no membership fees and provide high rewards on spending. Below are some of the best credit cards offered by the bank.
IDFC FIRST Bank Credit Card – Key Features & Benefits & Apply Online
Looking for a credit card that suits your lifestyle and gives real rewards? IDFC FIRST Bank Credit Cards are ideal for Indians who want cashback, travel perks, and flexible rewards. This guide explains eligibility, documents, offers, benefits, and how to apply in simple language.
Eligibility Criteria for IDFC FIRST Credit Card
To apply for an IDFC FIRST Credit Card, you need to meet basic eligibility criteria:
- Age: 18 years and above
- Nationality: Indian or Non-Resident Indian (NRI)
- Occupation: Salaried or self-employed
- Income: Varies according to card type
Example: A salaried professional earning ₹30,000 per month can apply for most mid-range cards, while premium cards may require a higher monthly income.
Documents Required to Apply
Having the correct documents ready can make the approval process faster:
- Identity Proof: PAN, Aadhaar, Passport, or Voter ID
- Address Proof: Driving License, Passport, Utility Bill
- Income Proof: Last 3 years of IT returns, salary slips, or bank statements
- Business Proof (for self-employed): GST certificate or business registration
- Photographs: Recent passport-sized photos
> Real-time tip: Ensure that your documents have the same address and name as your application to avoid delays.
How to Apply Online for IDFC FIRST Credit Card
Applying online is simple and convenient:
- Enter your mobile number on the form.
- Verify your number with the OTP received.
- Check your pre-qualified card options.
- Select your preferred card and submit the required documents.
Once approved, your card usually reaches your address within 14 working days.
How to Activate Your IDFC FIRST Credit Card
You can activate your credit card in three ways:
- ATM Activation: Insert your card at any IDFC ATM → Generate PIN using OTP.
- Mobile App Activation: Log in → Go to Manage Card → Set PIN.
- Customer Care Activation: Call 1860 500 1111 for assistance.
After your card is activated, you can begin using it.
Key Benefits of IDFC FIRST Credit Cards
IDFC FIRST Credit Cards provide multiple benefits for everyday use. Here are the main features:
| Feature | Benefit Example |
|---|---|
| Cashback & Rewards | Earn up to 5% cashback on groceries, dining, and online shopping |
| Travel Perks | Free domestic & international lounge access on premium cards |
| Fuel Surcharge Waiver | Save money at petrol pumps |
| Contactless Payments | Pay faster with tap & pay technology |
| Flexible Rewards | Earn points or cashback in categories you use most |
| No Annual Fee First Year | Try the card without paying a fee initially |
Example: Spending ₹20,000 on groceries and dining in a month can earn up to ₹1,000 cashback on a 5% reward card.
Exciting Offers & Discounts
- Amazon EMI: 7.5% off up to ₹1,250
- Swiggy Instamart & Zepto: 5–7.5% cashback
- Travel Portals: Up to 25% off on MakeMyTrip, EaseMyTrip, Goibibo
- Hotels: Up to ₹50,000 off at partner hotels
- Movie & Dining: Buy 1 Get 1 (BOGO) tickets on District App
> Tip: Check the bank’s official site for updated offers before booking.
Travel & Lifestyle Benefits
| Card Name | Lounge Access | Movie/Dining Offers |
|---|---|---|
| Select | Domestic + Railway lounges | BOGO ₹125 max, 2x/month |
| Ashva Metal | Domestic + International lounges | BOGO ₹400 max, 2x/month |
| Wealth | Domestic + International lounges | BOGO ₹250 max, 2x/month |
| Mayura | Domestic + International lounges | BOGO ₹500 max, 2x/month |
| Millennia | Railway lounges | 25% off movies ₹100 max, 1x/month |
Example: Frequent traveler using Ashva Metal card gets 4 free international lounge visits per quarter, saving ₹5,000–₹8,000 annually.
Latest Updates on IDFC FIRST Credit Cards
- Jan 2026: Reward points for international spends reduced; lounge benefits updated.
- June 2025: Increased redemption value for premium cards; accelerated points for travel bookings.
- Sep 2024: Club Vistara co-branded card discontinued.
Real-Life Example:
Suppose you shop online for ₹15,000 in groceries and spend ₹5,000 on dining in a month:
- Groceries Cashback: ₹750 (5%)
- Dining Cashback: ₹250 (5%)
- Total Savings: ₹1,000
With additional welcome and milestone offers, your yearly savings could exceed ₹5,000 without extra effort.
Why Choose IDFC FIRST Credit Cards
IDFC FIRST Credit Cards are perfect for Indians who want smart spending and real rewards:
- Save money on daily shopping and fuel
- Enjoy travel perks for frequent flyers
- Collect reward points easily and redeem for gifts, vouchers, or airline miles
- Quick online application and card delivery
> Imagine booking a ₹20,000 flight and saving up to ₹5,000 instantly through travel discounts. Even casual users enjoy cashback on groceries, dining, and online shopping. Over a year, these rewards can save thousands effortlessly.
Bottom Line
IDFC FIRST Bank Credit Cards are ideal for Indian users seeking cashback, travel perks, lifestyle offers, and flexible rewards. With easy online application, quick activation, and multiple card options, there’s a card for everyone - salaried, self-employed, or frequent traveler. Get your IDFC FIRST Credit Card today and start earning rewards on everyday spending while enjoying premium benefits like lounge access, travel discounts, and cashback offers.
Frequently Asked Questions
How can I apply for an IDFC FIRST Bank Credit Card?
You can apply online through the official website of IDFC FIRST Bank or visit a nearby branch.
What should I do if my credit card gets lost or stolen?
Block your card immediately and inform the bank to prevent fraud. A new card will be issued.
How long does it take to get the credit card?
Once approved, the card is usually delivered within 14 working days.
Are all IDFC FIRST Credit Cards lifetime free?
Many cards are lifetime free, but some may have joining or annual fees.
What is the eligibility or minimum salary required?
Eligibility depends on the card type. Minimum salary and other criteria vary for each card.
How is the credit limit decided and can I increase it?
The bank sets your limit based on income, credit score, and history. You can ask to increase your limit later.
How can I start using my credit card?
You can activate it by setting a PIN through the mobile app or by calling customer care.
Do reward points expire and how can I use them?
Reward points never expire and can be used for shopping or redeemed through the rewards portal.
Can I withdraw cash using my credit card?
Yes, but it may include extra charges and higher interest rates.
Which is the best IDFC FIRST Bank Credit Card?
The best card depends on your spending habits, needs, and eligibility.
How can I contact customer support?
You can either call 1860 500 1111 or use mobile or internet banking.
Can I unblock my credit card after blocking it?
Yes, you can unblock it through the app, net banking, or customer care if allowed.