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HDFC Bank Regalia Gold Credit Card Apply Now	HDFC Bank Millennia Credit Card Apply Now	IDFC First Private Credit Card Invite Only	IDFC FIRST WoW Credit Card Apply Now	Club Vistara IDFC First Credit Card Apply Now	IDFC FIRST Wealth Credit Card Apply Now	IDFC FIRST Select Credit Card Apply Now	IDFC FIRST Classic Credit Card Apply Now	IDFC Bank FIRST SWYP Credit Card Apply Now	IDFC FIRST Millennia Credit Card Apply Now
Joining Fee Rs. 2,500 + GST	Joining Fee Rs. 1,000 + GST	Joining Fee Rs. 50,000 + GST	Joining Fee Nil	Joining Fee Rs. 4,999 + GST	Joining Fee Nil	Joining Fee Nil	Joining Fee Nil	Joining Fee 499 + GST	Joining Fee Nil
Rewards and Benefits
Welcome Benefits Welcome benefit of complimentary MMT Black Elite and Club Vistara Silver Tier membership on spending over Rs. 1 Lakh inside 90 days of getting the card issued	Welcome Benefits 1,000 CashPoints as a Welcome Benefit.	Welcome Benefits 200,000 Reward Points worth Rs. 50,000 and a complimentary Taj Epicure membership.	Welcome Benefits Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.	Welcome Benefits Complimentary class upgrade voucher and 1 premium economy flight ticket voucher for Air Vistara	Welcome Benefits Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.	Welcome Benefits Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.	Welcome Benefits Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.	Welcome Benefits 1,000 RPs on First EMI Transaction, 1 Year Lenskart Gold Membership & 1-Year Times Prime Membership	Welcome Benefits 5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation
Rewards Rate Get 4 Reward Points on every spend of Rs. 150 on retail including utilities, insurance, and education. Get 20 Reward Points on every spend of Rs. 150 on Myntra, Marks and Spencers, Nykaa, and Reliance Digital	Rewards Rate 5% cashback (as CashPoints) at select partner online merchants and 1% cashback (as CashPoints) on all other spends (except fuel, rental, and govt. related transactions)	Rewards Rate 3 Reward Points on every Rs. 100 spent offline and 6 RPs on every Rs. 100 spent online	Rewards Rate Earn 4X (4RP) Reward Points on every Rs. 150 spent	Rewards Rate 6 CV Point per Rs. 200 spent, 10 CV Points on dining spends on your Birthday, 1 CV Point on fuel	Rewards Rate 3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.	Rewards Rate 3 Reward Points on each Rs. 125 spent offline, 6 Reward Points on each Rs. 125 spent online, and 10 Reward Points on every Rs. 125 on spends above Rs. 25,000.	Rewards Rate 3 Reward Points on every offline spend of Rs. 150 & 6 Reward Points on every online spend of Rs. 150.	Rewards Rate 200, 500, and 1,000 RPs on Spends of Rs. 5,000, 10,000, and 15,000 Respectively	Rewards Rate 3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.
Movie & Dining 20% Discount via Swiggy Dineout	Movie & Dining Up to 20% discount at partner restaurants with complimentary Swiggy Dineout	Movie & Dining Get up to Rs. 750 discount on movie/non-movie bookings via BookMyShow	Movie & Dining 20% discount at 1500+ restaurants with IDFC FIRST WoW Credit Card.	Movie & Dining Complimentary 3-month subscription to EazyDiner Prime and BQ Prime, Up to 20% discount at 1500+ restaurants	Movie & Dining Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.	Movie & Dining “Buy One Get One” offer on movie tickets up to Rs. 250 while booking with the Paytm app & up to 20% discount on dining at over 1500 restaurants.	Movie & Dining Get a 25% discount on movies (up to Rs. 100) on the Paytm app, once per month, and up to 20% discount on dining through your IDFC FIRST Classic Credit Card.	Movie & Dining 25% Discounts on Movie Tickets	Movie & Dining Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).
Reward Redemption Redeem RPs for flight/hotel bookings via the Smartbuy portal at the rate of 1 RP = Rs. 0.50, convert RPs into airmiles through Netbanking at the rate of 1 RP = 0.50 Airmiles, Redeem RPs for products and gift vouchers on the Smartbuy portal at the rate of 1 RP = Rs. 0.35, and Redeem RPs against the Exclusive Gold Catalogue on Smartbuy at the rate of 1 RP = Rs. 0.65	Reward Redemption Rewards processed as CashPoints, 1 CP = Re. 1 while redeeming against statement balance of credit card and 1 CP = Rs. 0.30 while redeeming against products and vouchers in the product catalogue, and against flight/hotel booking.	Reward Redemption 1 Reward Point = Re. 0.25 for redemption against various gift vouchers	Reward Redemption Use the earned Reward Points to instantly pay for online or in-store purchases. 1X = 1 Reward Point per Rs. 150 spent therefore, 1 Reward point = Rs. 0.25	Reward Redemption CV Points can be redeemed at the Air Vistara website for flight tickets, class upgrades, and other benefits and privileges	Reward Redemption Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.	Reward Redemption 1 Reward point = Re. 0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.	Reward Redemption The Reward Points can be redeemed instantly for online transactions & partner stores. Here, 1 Reward Point = Rs. 0.25.You have to pay a convenience fee of Rs. 99 plus taxes to redeem your rewards points.	Reward Redemption Points Can be Redeemed at IDFC First Rewards. Pay With Points Facility Also Available	Reward Redemption
Travel Complimentary Flight Tickets on Reaching Spend Milestones	Travel 4 complimentary airport lounge access every year, 1 per quarter	Travel Get free airport lounge access and spa sessions every year.	Travel NA	Travel Complimentary Club Vistara Silver Tier membership, up to 5 complimentary Premium Economy flight ticket vouchers	Travel You get 4 complimentary international as well as domestic lounge access and spa visits every year.	Travel Airport “Meet and Greet” at more than 450 destinations worldwide. Airport transfers and concierge service for a personalized travel experience. Access to premium services and benefits at more than 900 luxury hotels worldwide. Complimentary 4 railway lounge access per quarter.	Travel Get complimentary Railway lounge access 4 times in a calendar quarter. You also get complimentary roadside assistance worth Rs. 1399 4 times in a year	Travel 4 Free Railway Lounge Access Each Quarter	Travel Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.
Golf NA	Golf N/A	Golf 2 complimentary golf rounds/lessons every month	Golf NA	Golf 4 complimentary green fees golf rounds per year, 12 complimentary golf lessons per year	Golf Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).	Golf NA	Golf NA	Golf N/A	Golf NA
Domestic Lounge 3 Complimentary Domestic Airport Lounge Access Every Quarter (12 Each Year)	Domestic Lounge 1 Domestic Airport Lounge Access Every Quarter (4 Each Year)	Domestic Lounge 4 complimentary domestic lounge access every quarter (for primary and add-on cardholders)	Domestic Lounge NA	Domestic Lounge Get 2 complimentary domestic lounge and spa access per quarter	Domestic Lounge Up to 4 free visits to domestic airport lounges per quarter.	Domestic Lounge 4 Complimentary Domestic Airport Lounge Access Every Quarter (16 Each Year)	Domestic Lounge N/A	Domestic Lounge N/A	Domestic Lounge NA
International Lounge 6 complimentary international lounge access	International Lounge N/A	International Lounge 4 complimentary international lounge access every quarter (for primary and add-on cardholders)	International Lounge NA	International Lounge Get 1 complimentary airport lounge access per quarter	International Lounge Up to 4 complimentary international lounge visits per quarter.	International Lounge NA	International Lounge NA	International Lounge N/A	International Lounge NA
Insurance Benefits Accidental air death cover up to ₹1 crore, emergency overseas hospitalisation cover worth ₹15 lakhs, credit liability cover up to ₹ 9 lakhs	Insurance Benefits N/A	Insurance Benefits Get an air accident cover worth Rs. 1 crore and cover for delay or loss of check-in baggage	Insurance Benefits Personal Accident, Card Liability cover and many more.	Insurance Benefits CFAR trip cancellation cover up to Rs. 10,000 on flight and hotel bookings, other travel-related insurance perks	Insurance Benefits Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000	Insurance Benefits You get an air accident cover worth Rs. 1 Crore, personal accident cover worth upto Rs 5,00,000 and a travel insurance cover worth up to Rs 22,500.	Insurance Benefits You get a personal accident cover worth Rs. 2 Lakhs and a lost card liability cover worth up to Rs. 25,000	Insurance Benefits Complimentary Insurance Covers are Provided	Insurance Benefits Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.
Zero Liability Protection Cardholder will not be liable for fraudulent transactions made with the credit card if he reports about the loss in a timely manner	Zero Liability Protection Zero liability of the credit cardholder in case of fraudulent transactions after you have reported about the loss or theft of the card to the bank.	Zero Liability Protection The cardholders get a zero liability protection against a lost/stolen card if reported the loss to the bank in a timely manner.	Zero Liability Protection You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.	Zero Liability Protection The cardholder is not liable for any fraudulent transactions made with the card in case of timely reporting of the loss or theft of the card to the bank	Zero Liability Protection Bank not liable for any unauthorized transaction prior to the time of reporting the loss of card. However, you do get a lost card liability cover worth Rs. 50,000.	Zero Liability Protection You get a zero liability protection cover worth Rs 50,000 against any fraudulent transactions reported within the stipulated time.	Zero Liability Protection You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.	Zero Liability Protection Cardholder Will Not Be Liable for Any Fraudulent Transaction if the Card is Reported Lost or Stolen to the Bank in a Timely Manner	Zero Liability Protection Zero Liability protection upto Rs 25,000. Not valid on PIN Based transactions.
Fees & Charges

Renewal Fee Rs. 2,500 + GST	Renewal Fee Rs. 1,000 + GST	Renewal Fee Rs. 50,000 + GST	Renewal Fee Nil	Renewal Fee Rs. 4,999 + GST	Renewal Fee Nil	Renewal Fee Nil	Renewal Fee Nil	Renewal Fee 499 + GST	Renewal Fee Nil
Spend Based Waiver Renewal Fee Waiver on Spending Rs. 4 Lakh in a Year	Spend Based Waiver The renewal fee is waived off if the cardholder spends Rs. 1 Lakh or more in the previous year.	Spend Based Waiver NA	Spend Based Waiver NA	Spend Based Waiver NA	Spend Based Waiver Nil	Spend Based Waiver NA	Spend Based Waiver NA	Spend Based Waiver N/A	Spend Based Waiver Nil
Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Rs. 99 per redemption request (plus applicable taxes)	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 per redemption transaction	Rewards Redemption Fee Rs. 99 per redemption request	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99 plus taxes	Rewards Redemption Fee Rs. 99	Rewards Redemption Fee Rs. 99 plus taxes
Foreign Currency Markup 2% on all forex transactions	Foreign Currency Markup 3.5% (plus applicable taxes)	Foreign Currency Markup NA	Foreign Currency Markup NIL	Foreign Currency Markup 2.99% of the transaction amount	Foreign Currency Markup 1.5% + GST	Foreign Currency Markup 1.99% of the total conversion amount	Foreign Currency Markup 3.5% on all foreign currency spends.	Foreign Currency Markup 3.5%	Foreign Currency Markup 3.5% of the total transaction value.
Interest Rates 3.6%	Interest Rates 3.6% per month (or 43.2% per annum)	Interest Rates 0.99% per month	Interest Rates 0.75% - 3.5% p.m. (9% - 42% p.a.)	Interest Rates 0.75% - 3.5% per month, or 9% - 42% per annum	Interest Rates 0.75% to 3.5% per month depending upon the credit history of the card member.	Interest Rates Ranges between 0.75% to 3.5% per month based upon the credit history of the individual	Interest Rates 0.75% to 3.5% per month	Interest Rates N/A	Interest Rates Starting from 0.75% and goes up to 3.5% per month.
Fuel Surcharge N/A	Fuel Surcharge 1% Fuel surcharge which is waived if you spend minimum Rs 400 in single transaction. The maximum CashBack is capped at Rs. 250 per payment cycle.	Fuel Surcharge 1% fuel surcharge waiver on all fuel purchases	Fuel Surcharge 1% fuel surcharge waiver (up to Rs. 200 per statement cycle)	Fuel Surcharge NA	Fuel Surcharge A 1% fuel surcharge is waived at all authorized fuel stations (max waived amount capped at Rs. 400/month).	Fuel Surcharge 1% surcharge waived on all fuel purchases at all petrol pumps across India subject to a maximum amount of Rs. 300.	Fuel Surcharge 1% fuel surcharge waiver (up to Rs. 200 per statement cycle)	Fuel Surcharge 1% Up to Rs. 200 (Monthly)	Fuel Surcharge 1% fuel surcharge waiver at all fuel stations and on all fuel purchases across India (Upto Rs 200 every month).
Cash Advance Charges 2.5% of total amount or Rs. 500, the higher one	Cash Advance Charges 2.5% of the transaction amount, subject to a minimum fee of Rs. 500	Cash Advance Charges Rs. 250	Cash Advance Charges Rs. 250	Cash Advance Charges Interest-free withdrawals up to 48 days, a fee of Rs. 199 per transaction after that	Cash Advance Charges Rs. 199 per transaction	Cash Advance Charges Rs. 199 per transaction	Cash Advance Charges Rs. 199	Cash Advance Charges Rs. 199	Cash Advance Charges Transaction fees of Rs. 199
Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil for 1st card, 2nd card onwards: Rs. 4,000 per add-on card	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee Nil	Add-on Card Fee N/A	Add-on Card Fee Nil

HDFC Bank Regalia Gold Credit Card

HDFC Bank Millennia Credit Card

IDFC First Private Credit Card

IDFC FIRST WoW Credit Card

Club Vistara IDFC First Credit Card

IDFC FIRST Wealth Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Classic Credit Card

IDFC Bank FIRST SWYP Credit Card

IDFC FIRST Millennia Credit Card

Rewards and Benefits

Fees & Charges

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