IDFC FIRST Bank Credit Cards – Find the Best Card for Cashback, Travel, Shopping & Everyday Spending
Choosing the right credit card can help you save money, earn rewards, and enjoy exclusive lifestyle benefits. IDFC FIRST Bank Credit Cards are designed to meet the needs of a wide range of customers, including first-time card users, frequent travellers, online shoppers, salaried professionals, business owners, and premium lifestyle users. With features such as reward points, airport lounge access, EMI conversion, contactless payments, RuPay credit cards for UPI, and premium travel benefits, IDFC FIRST Bank offers a diverse portfolio to suit different spending habits.
Whether you want to earn rewards on daily purchases, enjoy travel privileges, or simply build your credit history, there is an IDFC FIRST Bank Credit Card that matches your financial goals. Before applying, compare the available cards based on annual fees, rewards, eligibility, and your monthly spending pattern to make the right choice.
IDFC FIRST Bank Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| IDFC FIRST Mayura Credit Card | Ultra-premium travel & lifestyle | ₹5,999 / ₹5,999 | Zero forex markup, metal card, up to 10X reward points | Domestic & International | FIRST Rewards | ★★★★★ |
| IDFC FIRST Ashva Credit Card | Premium rewards & travel | ₹2,999 / ₹2,999 | Metal card, 1% forex markup, accelerated rewards | Domestic & International | FIRST Rewards | ★★★★★ |
| IDFC FIRST Wealth Credit Card | Premium lifestyle | Lifetime Free | Airport lounge access, golf benefits, reward points | Domestic & International | FIRST Rewards | ★★★★★ |
| IDFC FIRST Select Credit Card | Travel & lifestyle | Lifetime Free | Lounge access, low forex markup and milestone benefits | Domestic | FIRST Rewards | ★★★★☆ |
| IDFC FIRST Millennia Credit Card | Online shopping & beginners | Lifetime Free | Reward points on everyday spends and online shopping | Domestic | FIRST Rewards | ★★★★☆ |
| IDFC FIRST Power+ Credit Card | Fuel savings | ₹499 / ₹499 | Up to 6.5% savings on fuel, reward points and lounge access | Domestic | FIRST Rewards | ★★★★☆ |
| IDFC FIRST SWYP Credit Card | Young professionals | ₹499 / ₹499 | Easy EMI conversion, shopping discounts and welcome benefits | No | FIRST Rewards | ★★★★☆ |
| IDFC FIRST EARN Credit Card | UPI cashback | ₹499 / ₹499 | Up to 1% cashback on UPI spends and movie discounts | No | Cashback | ★★★★☆ |
| IDFC FIRST WOW! Credit Card | FD-backed & zero forex | Lifetime Free (FD-backed) | Zero forex markup, reward points and ATM withdrawal facility | No | FIRST Rewards | ★★★★☆ |
| IndiGo IDFC FIRST Credit Card | Frequent travellers | ₹999 / ₹999 | IndiGo BluChips rewards, travel vouchers and airport benefits | Domestic | BluChips Rewards | ★★★★★ |
Why Should You Choose an IDFC FIRST Bank Credit Card?
IDFC FIRST Bank has established itself as one of India's leading private sector banks by offering innovative and customer-focused credit card solutions. Unlike many traditional credit cards, several IDFC FIRST cards provide excellent value through attractive reward programs, digital-first features, and lifestyle privileges.
Some of the key reasons to choose an IDFC FIRST Bank Credit Card include:
- Reward points on eligible retail transactions
- Complimentary airport lounge access on selected cards
- Contactless payment technology
- Easy EMI conversion for large purchases
- RuPay credit cards with UPI compatibility
- Premium travel and lifestyle benefits
- Fuel surcharge waiver on eligible transactions
- Advanced security features such as EMV chip and OTP authentication
- Wide acceptance across online and offline merchants
These features make IDFC FIRST Bank Credit Cards suitable for everyday spending as well as premium lifestyle needs.
Top Features of IDFC FIRST Bank Credit Cards
Every credit card comes with a unique set of benefits, but most IDFC FIRST Bank Credit Cards offer several common features that improve your overall payment experience.
- Reward points on eligible purchases
- Airport lounge access on selected variants
- EMI conversion facility for eligible transactions
- Contactless "Tap & Pay" payments
- UPI-enabled RuPay variants
- Fuel surcharge waiver on eligible spends
- Dining and entertainment offers
- Secure online transactions
- Instant transaction alerts
- Mobile banking support for card management
Key Benefits of IDFC FIRST Bank Credit Cards
Using your credit card responsibly can offer much more than just cashless payments.
- Earn Rewards: Eligible purchases allow you to accumulate reward points that can be redeemed for vouchers, travel bookings, merchandise, or other benefits.
- Build a Strong Credit Score: Paying your credit card bills on time helps establish a healthy credit history, which can improve your chances of loan approvals in the future.
- Travel Benefits: Selected cards provide complimentary airport lounge access, travel offers, and lower foreign exchange markup, making travel more comfortable and cost-effective.
- Convenient Digital Payments: RuPay-enabled variants can be linked with supported UPI apps for seamless QR code and merchant payments.
- Flexible Repayment: High-value purchases can often be converted into affordable EMIs, helping you manage your monthly budget efficiently.
Quick Comparison
| Category | Best IDFC FIRST Bank Credit Card |
|---|---|
| Best Overall | IDFC FIRST Mayura Credit Card |
| Best Premium Card | IDFC FIRST Mayura Credit Card |
| Best Lifetime Free Card | IDFC FIRST Wealth Credit Card |
| Best Travel Card | IndiGo IDFC FIRST Credit Card |
| Best Fuel Card | IDFC FIRST Power+ Credit Card |
| Best UPI Credit Card | IDFC FIRST EARN Credit Card |
| Best Beginners Card | IDFC FIRST Millennia Credit Card |
| Best FD-backed Credit Card | IDFC FIRST WOW! Credit Card |
| Best Rewards Card | IDFC FIRST Ashva Credit Card |
| Best Value for Money | IDFC FIRST Wealth Credit Card |
Understanding Reward Points
Reward points are one of the most attractive benefits of an IDFC FIRST Bank Credit Card. Depending on your card variant and spending category, you earn reward points whenever you make eligible retail purchases.
Generally, reward points can be earned on:
- Online shopping
- Grocery purchases
- Dining
- Utility bill payments
- Travel bookings
- Lifestyle spending
Certain transactions such as fuel purchases, cash withdrawals, wallet loading, or government payments may have different reward policies depending on the specific card. Therefore, it is always advisable to check the latest reward program applicable to your chosen card.
Reward Redemption Options
Reward points can usually be redeemed through the bank's rewards platform for various products and services.
Common redemption options include:
- Shopping vouchers
- Gift cards
- Merchandise
- Travel bookings
- Cashback (where available)
- Pay with Reward Points at participating merchants
Some redemption methods may attract a processing fee, while others may have minimum redemption requirements.
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.
Common Fees & Charges
Before applying for any credit card, it is important to understand the applicable fees and charges.
| Charge Type | Description |
|---|---|
| Joining Fee | Depends on the selected card |
| Annual Fee | Varies by card variant |
| Finance Charges | Applicable on unpaid outstanding balances |
| Cash Advance Fee | Charged on ATM cash withdrawals |
| Late Payment Fee | Applicable if minimum payment is not made |
| Foreign Exchange Markup | Depends on the card variant |
| Reward Redemption Fee | May apply on selected redemption options |
| Over-limit Charges | Applicable if allowed by the bank |
Always review the latest fee schedule before submitting your application.
Tips to Maximize Your Credit Card Benefits
Using your credit card wisely can help you get the maximum value from your spending.
- Pay the full outstanding amount before the due date.
- Redeem reward points before they expire.
- Monitor seasonal cashback and merchant offers.
- Use category-specific benefits whenever possible.
- Keep your credit utilization below 30%.
- Avoid unnecessary cash withdrawals.
- Track your monthly statements regularly.
- Use EMI options only when necessary.
Responsible credit card usage not only saves money but also strengthens your financial profile.
Common Mistakes to Avoid
Many cardholders lose valuable benefits due to avoidable mistakes.
Avoid these common errors:
- Missing payment due dates
- Paying only the minimum due every month
- Applying for multiple credit cards simultaneously
- Ignoring annual fee waiver conditions
- Overspending beyond repayment capacity
- Allowing reward points to expire
- Frequently withdrawing cash using your credit card
Following responsible financial habits can help you avoid unnecessary charges and maintain a healthy credit score.
Who Should Apply for an IDFC FIRST Bank Credit Card?
IDFC FIRST Bank offers credit cards for a wide range of customer profiles.
These cards are suitable for:
- Salaried professionals
- Self-employed individuals
- Business owners
- Frequent travellers
- Online shoppers
- Cashback seekers
- Lifestyle enthusiasts
- Customers looking for an FD-backed secured credit card
- First-time credit card applicants
Choosing the right card based on your spending habits ensures you receive maximum value from its features.
IDFC FIRST Bank Credit Card Eligibility
Eligibility varies depending on the card selected. While premium cards generally require higher income and a stronger credit profile, FD-backed cards have comparatively simpler eligibility requirements.
Typical eligibility includes:
- Indian resident
- Minimum age as prescribed by the bank
- Stable source of income
- Good credit history for unsecured cards
- Compliance with the bank's internal credit assessment
Meeting the eligibility criteria does not guarantee approval, as applications are subject to the bank's verification process.
Income Requirement (Indicative)
| Card Category | Suggested Annual Income* |
|---|---|
| Entry-Level Credit Cards | ₹3 Lakh+ |
| Mid-Level Credit Cards | ₹6–12 Lakh+ |
| Premium Credit Cards | ₹12–36 Lakh+ |
| Super Premium Cards | As per bank policy |
| FD-Backed Credit Cards | Income requirement may vary |
*Actual eligibility depends on the bank's latest policy and internal assessment.
Documents Required
| Document Type | Accepted Documents |
|---|---|
| Identity Proof | Aadhaar Card, PAN Card, Passport, Driving Licence |
| Address Proof | Aadhaar Card, Passport, Utility Bill, Driving Licence |
| Income Proof (Salaried) | Salary Slips, Form 16, Bank Statement |
| Income Proof (Self-employed) | ITR, Business Proof, GST Documents, Bank Statement |
| Photograph | Recent Passport Size Photograph (if required) |
How to Apply for an IDFC FIRST Bank Credit Card
Applying online is quick and convenient.
- Compare the available IDFC FIRST Bank Credit Cards.
- Choose the card that matches your spending habits.
- Check the eligibility criteria.
- Complete the online application form.
- Upload the required documents.
- Complete Video KYC or any additional verification if requested.
- Wait for application review and approval.
- Once approved, your credit card will be dispatched to your registered address.
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.
Why Trust RatingOK?
At RatingOK, we simplify complex financial products by providing unbiased, easy-to-understand, and regularly updated information. Our experts compare credit cards based on rewards, annual fees, eligibility, cashback, travel benefits, lounge access, UPI compatibility, and real-world usability instead of focusing only on promotional claims.
Whether you need your first credit card or want to upgrade to a premium one, RatingOK makes it easy to compare cards and pick the best option for your needs.
Should You Get an IDFC FIRST Bank Credit Card?
IDFC FIRST Bank Credit Cards offer a combination of rewards, convenience, travel privileges, digital payment features, and flexible repayment options for different types of users. By selecting the right card according to your spending habits and using it responsibly, you can maximize rewards, improve your credit score, and enjoy valuable lifestyle benefits. Before applying, compare the available card options carefully, review the latest fees and eligibility requirements, and choose the credit card that best matches your financial needs.
Credit Card Articles
Explore More Credit Cards
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.