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Best IDFC FIRST Bank Credit Cards

IDFC First Bank is well known for offering a variety of credit cards, including many that come with lifetime free benefits. Established in 2014 with approval from the Reserve Bank of India, the bank began operations in 2015 and has since built a strong reputation for providing affordable and convenient banking services. Based in Mumbai, the bank offers low-maintenance savings accounts, rewarding debit cards, and a wide range of credit cards to meet different financial needs. With a focus on customer-friendly services, IDFC First Bank Credit Cards are designed to provide great value, making them a preferred choice for many users.

As of August 2024, IDFC First Bank has issued over 29 lakh active credit cards in India, solidifying its position as a leading credit card issuer. The bank is particularly popular for offering exclusive credit cards with minimal fees and excellent benefits. Some of the best IDFC First Bank Credit Cards include the IDFC WoW! Card, which has zero Forex charges, and the IDFC Smart Earn Credit Card, ideal for students or individuals with no prior credit history. These secured credit cards come with attractive rewards and easy eligibility criteria, making them accessible to a wide range of users. This article provides a detailed look at all IDFC First Bank Credit Cards, helping you find the best option for your financial needs.

IDFC First Bank Credit Cards

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.

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Joining Fee
Rs. 50000.00 +GST
Renewal Fee
Rs. 50000.00 +GST
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
You get 2 lakh bonus points (worth ₹50,000) when you pay the joining fee. Plus, you receive a Taj Epicure Membership as a welcome benefit.
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Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Shopping | Fuel
Reward Type
Reward Points
Welcome Benefits
Get up to ₹500 cashback on your first HPCL fuel purchase over ₹500 and up to 5% cashback (max ₹1,000) on your first EMI transaction.
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Joining Fee
Rs. 5999.00 +GST
Renewal Fee
Rs. 5999.00 +GST
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 5,000 bonus reward points when you apply for a new card. Earn up to ₹4,000 cashback by making four transactions of ₹1,000 or more.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get vouchers worth ₹500 when you spend ₹5,000 within 30 days of getting the card. Plus, earn 5% cashback on EMI transactions (up to ₹1,000) within the first 30 days.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get gift vouchers worth Rs. 500 from popular brands when you spend over Rs. 5,000 within 30 days, plus a 5% cashback on your first EMI transaction within the first 30 days.
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Joining Fee
Rs. 4999.00 +GST
Renewal Fee
Rs. 4999.00 +GST
Best Suited For
Travel | Golf
Reward Type
Reward Points
Welcome Benefits
A free class upgrade voucher and one premium economy flight ticket voucher for Air Vistara.
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Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Get a free Lenskart Gold membership after paying the joining fee. Earn 1,000 reward points on your first EMI transaction within 30 days. Spend ₹30,000 in the first 90 days to receive a one-year Times Prime membership.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Movies | Shopping
Reward Type
Reward Points
Welcome Benefits
Get 5% cashback on your first EMI spend up to Rs. 1,000, plus welcome gift vouchers worth Rs. 500 when you spend Rs. 5,000 within 30 days of getting the card.
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Joining Fee
Rs. 199.00 +GST
Renewal Fee
Rs. 199.00 +GST
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
Get up to ₹250 cashback on your first HPCL fuel transaction over ₹250, and up to 5% cashback (capped at ₹1,000) on the first EMI transaction.
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Dining | Shopping
Reward Type
Reward Points
Welcome Benefits
N/A
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Joining Fee
Rs. 0.00 +GST
Renewal Fee
Rs. 0.00 +GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Welcome gift voucher worth ₹500 on spending ₹5,000 or more within the first 30 days. Also, get 5% cashback on the value of your first EMI transaction done within 30 days of card generation.