IDFC FIRST Bank Credit Cards
Complete catalogue of all 8 IDFC FIRST Bank credit cards with MITC verified data
Total
8
Cards
Zero Fee
4
Lifetime Free
IDFC FIRST Bank 4-Pillar Issuer Benchmark
8 cards found
Top Recommended IDFC FIRST Bank Credit Cards (2026)
Hand-picked best value cards based on annual fee waivers, reward power, and CardCheck score
IDFC FIRST Select
Complimentary domestic airport lounge access + 1.99% low forex fee
IDFC FIRST Millennia
10X Reward points on monthly spend above ₹20,000 with no expiry
IDFC FIRST Wealth
Low 1.5% forex markup fee + spa visits & airport lounge access
| Feature | IDFC FIRST Select | IDFC FIRST Millennia | IDFC FIRST Wealth |
|---|---|---|---|
| CardCheck Score | 74/100 | 79/100 | 84/100 |
| Rating Verdict | Very Good | Very Good | Excellent |
| 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 | 4 Domestic / Year | 16 Domestic / Year | 4 Domestic / Year |
| Min Salary Target | ₹1,00,000 / month | ₹25,000 / month | ₹3,00,000 / month |
2026 IDFC FIRST Bank Portfolio Verdict Matrix
At-a-glance verdicts to match your primary spend goal with the highest-earning IDFC FIRST Bank card
| Spend Goal | Recommended Card | Key Reward Rate | Annual Fee & Waiver | CardCheck Verdict |
|---|---|---|---|---|
| Best Overall & Flagship | IDFC FIRST Ashva Credit Card | Milestone Reward Points | ₹2,999 + GSTWaived at ₹8 Lakh spend | The IDFC FIRST Ashva Credit Card is a Visa Infinite metal card (about 12g) with a ₹2,999 + GST joining fee and ₹2,999 + GST annual fee from the second card anniversary. It is not a 0% forex product — international markup is 1% (+GST). Lounge access is capped: 4 domestic airport visits per quarter plus 2 international visits per quarter via Dreamfolks, generally available in the month after you spend at least ₹20,000 in the prior calendar month (same spend rule applies to railway lounges). Rewards are IDFC reward points (1X = 1 point per ₹150), with up to 60 points per ₹150 on hotels and 40 per ₹150 on flights when booked via the bank's Travel & Shop / FIRST Rewards Gallery on the mobile app, plus tiered 5X/10X accelerators on other eligible retail spends subject to exclusions. Points redeem at ₹0.40 for in-app hotel/flight and ₹0.25 for most other options; they do not expire while the card stays active. Published joining benefit is up to 7,500 points (worth up to ₹3,000 at ₹0.40 each), and spending ₹8 lakh in a card year can yield another 7,500 points when you pay the next year's annual fee. |
| Everyday Value & Cashback | IDFC FIRST Select Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | The IDFC FIRST Select Credit Card is a lifetime-free mid-tier card offering 6X FIRST Coins per ₹150 on select categories (dining, travel, entertainment, international) and 3X on all other online transactions. Two domestic lounge visits per quarter via DreamFolks provide meaningful travel benefits. A 1.5% forex markup and low interest rates (starting 9% per annum) make it genuinely competitive for a zero-annual-fee card. |
| Starter / Low Annual Fee | IDFC FIRST Millennia Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | The IDFC FIRST Millennia Credit Card is a lifetime-free digital-first card designed for young urban professionals. It earns 5X FIRST Coins per ₹150 on spends at select online merchants (Swiggy, Zomato, Amazon, Flipkart, etc.) and 3X on all other online transactions. With interest rates starting at 9% p.a. and a 1.5% forex markup, it's among the most cost-efficient cards in the no-fee segment. No lounge access but the zero fee makes it a superb everyday card. |
| Travel & Lifestyle Perks | IDFC FIRST WOW! Credit Card | Milestone Reward Points | Lifetime Free (₹0)Zero Fee Forever | The IDFC FIRST WOW! Credit Card is a secured card issued against a Fixed Deposit with IDFC FIRST Bank. It is lifetime free, charges 0% forex markup on international transactions, and earns FIRST Coins on spends (the bank advertises up to 4X on eligible categories alongside your FD interest). Credit limit is linked to the FD. Finance charges apply if you revolve or miss payment deadlines — per the bank's MITC, rates can reach up to about 46.2% p.a. on overdue amounts, so paying the full statement on time is essential. Strong option for first-time credit users and for low-cost international spending. |
Popular comparisons for IDFC FIRST Bank Credit Cards
Side-by-side head-to-head match-ups based on real user spend patterns
IDFC FIRST Bank Specifications & Essential Data (2026)
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 Key Takeaways & Portfolio Highlights
How to Choose the Best IDFC FIRST Bank Credit Card in 2026
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.
Frequently asked questions about IDFC FIRST Bank credit cards
Verified answers regarding annual fees, lounge access, rewards, and eligibility
Are IDFC FIRST credit cards lifetime free?
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.
Why are IDFC FIRST credit cards popular for international travel?
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.
Do IDFC FIRST reward points expire?
No. IDFC FIRST reward points never expire and have no redemption fee.
What is the reward rate on IDFC FIRST credit cards?
IDFC FIRST cards offer 10x reward points on spends above ₹20,000 in a billing cycle and 3x–6x on online/offline purchases.
Which IDFC credit card offers railway lounge access?
IDFC FIRST Millennia, Select, and Wealth cards offer 4 complimentary railway lounge visits per quarter across major Indian railway stations.