Complete catalogue of all 8 IDFC FIRST Bank credit cards with MITC verified data
Total
8
Cards
Zero Fee
4
Lifetime Free
8 cards found
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
Complimentary domestic airport lounge access + 1.99% low forex fee
10X Reward points on monthly spend above ₹20,000 with no expiry
Low 1.5% forex markup fee + spa visits & airport lounge access
| Feature | IDFC FIRST Select | IDFC FIRST Millennia | IDFC FIRST Wealth |
|---|---|---|---|
| CardCheck Score | 88/100 | 77/100 | 91/100 |
| Rating Verdict | Excellent | Very Good | Elite |
| Primary Benefit | Lifetime-free mid-tier — 6X on select categories + 2 lounge/quarter | Lifetime-free millennial card — 5X on online spends, low interest, zero fee | IDFC's flagship lifetime-free premium — 0% forex, 10X on top spends, 4 lounge/quarter |
| Annual Fee | Free | Free | Free |
| Spend Fee Waiver | — | — | — |
| Lounge Access | 8 Domestic / Year | — | 16 Domestic / Year |
| Min Salary Target | — | — | — |
Side-by-side head-to-head match-ups based on real user spend patterns
Official helpline contacts, forex markup rates, reward point rules, and eligibility standards
Official Helpline
1800 108 8888
Forex Markup
0% – 3.50%
Points Expiry
Never Expires
Min CIBIL Target
750+
IDFC FIRST Bank offers a diverse portfolio of credit cards in India covering cashback, travel, rewards, and zero-annual-fee options. When choosing a card, compare the annual fee against your expected yearly spend to ensure fee waivers are achievable.
Evaluate cards based on primary benefits such as airport lounge access, accelerated reward points on online shopping, fuel surcharge waivers, and RuPay UPI support for seamless mobile payments.
All IDFC FIRST Bank credit card details listed on CardCheck are verified directly against published Most Important Terms & Conditions (MITC) documents, ensuring 100% accurate fee structures and reward rules.
Verified answers regarding annual fees, lounge access, rewards, and eligibility
Yes. All core IDFC FIRST Bank credit cards (Millennia, Classic, Select, and Wealth) are 100% lifetime free with zero joining fees and zero annual charges.
IDFC FIRST credit cards charge low forex markup fees (1.5% on Wealth, 1.99% on Select/Millennia compared to standard 3.5%) and offer complimentary lounge access.
No. IDFC FIRST reward points never expire and have no redemption fee.
IDFC FIRST cards offer 10x reward points on spends above ₹20,000 in a billing cycle and 3x–6x on online/offline purchases.
IDFC FIRST Millennia, Select, and Wealth cards offer 4 complimentary railway lounge visits per quarter across major Indian railway stations.
