Best IDFC FIRST Bank Credit Cards – Compare & Apply Online

Why Choose an IDFC FIRST Bank Credit Card?

Before choosing any credit card, it is important to check for hidden charges, the amount of cashback available, and, for travellers, whether lounge access is available at the airport. For example, if you take a lot of international flights, the IDFC FIRST Select Credit Card is the best option for you.

For fuel, you can take the IDFC FIRST Millennia Credit Card. If you shop online, the IDFC FIRST EARN Credit Card is the best option. This means you have many choices with the IDFC Bank Credit Card.

Entry-Level IDFC FIRST Bank Credit Cards

IDFC FIRST Classic Credit Card

The IDFC FIRST Classic Credit Card is best for first-time cardholders seeking a lifetime-free option with basic rewards. IDFC Classic card features include reward points on all purchases. This entry-level card offers a significant discount and includes Lifetime Free Charge. IDFC Bank offers several Lifetime Free Credit Cards.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: Get Gift voucher worth ₹500 on spending ₹5,000 within first 30 days + 5% cashback on first EMI transaction (up to ₹1,000)
• Reward Earning: Reward points on all eligible purchases
• Shopping Benefits: Standard rewards on retail transactions
• Travel Benefits: Reward points on travel bookings
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance Coverage: Personal accident cover and lost card protection
• EMV Chip Security: Enhanced fraud protection 

IDFC FIRST Millennia Credit Card

IDFC FIRST Millennia Credit Card is one of the best cards for millennials and young professionals seeking shopping and entertainment rewards.

IDFC Millennia offers additional benefits on movie tickets, including a Buy One Get One offer. It’s Hard to believe you are getting these benefits with no joining or annual fees.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: Gift vouchers worth ₹500 on spending ₹5,000 within 30 days + 5% cashback on first EMI transaction (up to ₹1,000)
• Reward Earning: Reward points on all purchases
• Shopping Benefits: Enhanced rewards on e-commerce platforms
• Movie Benefits: Special discounts on movie ticket bookings
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection cover
• EMI Conversion: Easy EMI conversion options

IDFC FIRST WoW Credit Card

IDFC FIRST WoW Credit Card caters to international travelers and online shoppers seeking zero forex charges. IDFC WoW’s zero-forex feature eliminates foreign-currency markup. This unique card delivers exceptional value for international spending.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: N/A
• Reward Earning: Reward points on all purchases
• Zero Forex Markup: 0% foreign currency markup on international transactions
• Shopping Benefits: Rewards on retail and online shopping
• Dining Benefits: Reward points at restaurants
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Basic purchase protection
• International Acceptance: Wide acceptance globally.

IDFC FIRST Select Credit Card

The IDFC FIRST Select Credit Card is best suited for customers with shopping habits, especially Online. IDFC First Select card benefits include higher earning rates on travel and shopping. This lifetime-free card delivers better value than many paid cards.

Key Features:

• Joining Fee: Nil (Lifetime Free)
• Annual Fee: Nil (Lifetime Free)
• Welcome Benefit: Vouchers worth ₹500 on spending ₹5,000 within 30 days + 5% cashback on first EMI transaction (up to ₹1,000)
• Reward Earning: Enhanced reward points on all purchases
• Travel Benefits: Higher rewards on flight and hotel bookings
• Shopping Benefits: Extra points on retail transactions
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection and accident cover
• Lounge Access: Complimentary domestic airport lounge visits (limited per year)

Mid-Tier IDFC FIRST Bank Credit Cards

Compare IDFC FIRST Bank’s mid-tier credit cards on CardMintra, which offer smart rewards, everyday benefits, and value for middle-income individuals.

IDFC FIRST EARN Credit Card

The IDFC FIRST EARN Credit Card is designed for those who want cashback and want it. The IDFC EARN cashback benefits are paid directly as cashback on purchases. This card is devoted to values in the form of cashback immediately.

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST (waivable on meeting spend threshold)
• Welcome Benefit: 100% cashback up to ₹200 on first four UPI transactions within 15 days
• Cashback Rate: Cashback on eligible purchases
• UPI Benefits: Special cashback on UPI transactions
• Shopping Benefits: Cashback on retail and online purchases
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection cover
• Annual Fee Waiver: Fee waived on achieving annual spending target

EARN card UPI cashback makes it attractive for digital payment users. IDFC EARN shopping rewards deliver straightforward savings. For someone spending ₹35,000 monthly with regular UPI usage, this card generates ₹3,500-₹5,000 annual cashback, offsetting the modest fee.

IDFC Bank FIRST SWYP Credit Card

IDFC Bank FIRST SWYP Credit Card caters to lifestyle seekers wanting entertainment and shopping rewards. IDFC SWYP card benefits include Lenskart membership and bonus points. This card balances modest fees with meaningful perks.

Key Features:

• Joining Fee: ₹499 + GST
• Annual Fee: ₹499 + GST (waivable on meeting spend threshold)
• Welcome Benefit: 1,000 reward points on first EMI transaction + 1-year Lenskart Gold membership + 2,000 reward points on spending ₹5,000
• Reward Earning: Reward points on all purchases
• Lenskart Benefits: 1-year Gold membership with exclusive eyewear discounts
• Movie Benefits: Special offers on cinema tickets
• Travel Benefits: Rewards on travel bookings
• Shopping Benefits: Enhanced points on retail purchases
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Insurance: Purchase protection and accident cover

SWYP card Lenskart membership worth ₹500+ adds immediate value. IDFC SWYP welcome benefits totalling 3,000 reward points, plus membership, offset the annual fee. For someone spending ₹40,000 per month, this card earns rewards worth ₹1,200- ₹1,800 annually.

Premium IDFC FIRST Bank Credit Cards

Compare premium IDFC FIRST Bank credit cards on Cardmintra, review features, benefits, and eligibility, and choose the card that best fits your lifestyle.

Club Vistara IDFC FIRST Credit Card

Club Vistara IDFC FIRST Credit Card represents the bank’s premium travel offering for frequent Vistara flyers. Club Vistara IDFC benefits include complimentary flight tickets and upgrades. This co-branded card targets airline loyalists seeking elite experiences.

Key Features:

• Joining Fee: ₹4,999 + GST
• Annual Fee: ₹4,999 + GST (waivable on meeting spend threshold)
• Welcome Benefit: Complimentary class upgrade voucher + 1 premium economy flight ticket voucher for Air Vistara
• CV Points Earning: Club Vistara Points on all eligible purchases
• Vistara Bookings: Higher CV Points on Vistara flight bookings
• Milestone Rewards: Bonus CV Points and flight vouchers on achieving spending thresholds
• Airport Lounge Access: Complimentary domestic lounge visits
• Club Vistara Benefits: Priority check-in, priority boarding, extra baggage
• Travel Insurance: Coverage for flight delays, baggage loss
• Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
• Foreign Currency Markup: Standard rates on international transactions

IDFC FIRST Bank Credit Card Rewards & Redemption

IDFC FIRST Bank reward points redemption offers multiple pathways to maximise value:

Reward Structures

Redemption Options

IDFC FIRST Bank reward points can be redeemed through multiple channels:

• Travel Bookings: Flights and hotels via IDFC FIRST travel partners with enhanced value
• Gift Vouchers: 100+ brands, including Amazon, Flipkart, and lifestyle retailers
• Merchandise: Electronics, appliances, and lifestyle products via rewards catalog
• Statement Credit: Offset outstanding balance directly with accumulated points (typically ₹0.25 per point)
• Cashback: Direct cashback credits for EARN card
• Vistara Flights: Redeem CV Points for Vistara tickets (Club Vistara card)

Points typically hold a value of ₹0.20-₹0.25 per point for standard redemptions, with travel redemptions offering slightly enhanced value.

Eligibility Criteria

To apply for an IDFC FIRST Bank Credit Card, understanding IDFC FIRST credit card eligibility ensures a smooth application:

Age Requirements:

• Primary cardholder: 21-60 years
• Add-on cardholder: 18 years and above

Income Criteria:

• Entry-Level Cards (Classic, Millennia, WoW, Select): Minimum ₹20,000-₹30,000 monthly for salaried; ₹3-₹4 lakh annual ITR for self-employed
• Mid-Tier Cards (EARN, SWYP): Minimum ₹25,000-₹40,000 monthly for salaried; ₹4-₹6 lakh annual ITR for self-employed
• Premium Cards (Club Vistara): Minimum ₹50,000-₹75,000 monthly for salaried; ₹8-₹12 lakh annual ITR for self-employed

Credit Score:

• Minimum 700+ recommended for approval
• 750+ preferred for premium cards
• IDFC FIRST offers secured credit cards for those without a credit history

Employment:

• Salaried employees with a minimum of 6 months of continuous employment.
• Self-employed/business owners with a minimum of 2 years of business experience.
• Students and first-time cardholders can apply for secured variants.

Documents Required

Submit these KYC documents when you apply for an IDFC FIRST Credit Card Online through the bank’s website or app:

Identity Proof:

• PAN card (mandatory)
• Aadhaar card
• Passport
• Voter ID
• Driver’s license

Address Proof:

• Aadhaar Card
• Passport
• Recent utility bills (electricity/gas/telephone) not older than 2 months
• Rent agreement with landlord’s documents
• Property documents

Income Proof:

• Salaried: Latest 3 months’ salary slips + last 6 months’ bank statements
• Self-Employed: Last 2 years’ ITR documents + 6 months’ bank statements + business proof

Photographs:

• Recent passport-size photographs (2 copies)

For Secured Cards:

• Fixed deposit receipt (for secured credit card variants)

IDFC FIRST Bank Credit Card Fees & Charges

Understanding IDFC FIRST Card fees helps you make informed decisions:

Additional Charges:

• Interest Rate: 3.50% per month (approximately 42% annually) on outstanding balances.
• Cash Advance Fee: 2.5% of withdrawn amount (minimum ₹500)
• Foreign Currency Markup: 0% on WoW card; 3.5% + GST on other cards.
• Late Payment Fee: ₹0 for amounts under ₹500; ₹500-₹1,200 for higher amounts based on outstanding balance.
• Over-Limit Fee: 2.5% of over-limit amount.

Our Top 2 Picks Based on Salary

Based on your salary, our top two options help you choose the best option on Cardmintra with the best features, benefits, and value for your income level.

Best Card for a Monthly Salary Below ₹50,000: IDFC FIRST WoW Credit Card

Most People In India earn less than ₹50,000 per month. For them, the IDFC FIRST WoW Credit Card delivers exceptional value with zero forex charges. Wow Card is a lifetime free card that combines a no-fee structure with unique international spending benefits.

Best Card for Above ₹50,000 Monthly Salary: IDFC FIRST Select Credit Card

For users with a monthly salary above ₹50,000, the IDFC FIRST Select Credit Card is a must-have, offering rewards and airport lounge access. 

Conclusion

IDFC offers a variety of cards across different categories. If you take frequent international flights, the IDFC FIRST Select Credit Card is the best option. Similarly, for fuel purchases, you can use the IDFC FIRST Millennia Credit Card. If you shop online, the IDFC FIRST EARN Credit Card is the best option. For lower salaries, like 15,000 to 20,000, you can apply for the Classic, Millennia, WoW, and Select Credit Card.

You should apply for a credit card that aligns with your shopping habits and spending patterns. Carefully review all cards listed above, and use only after reviewing the full details. The link above will take you directly to the bank’s website, where you can apply.​