Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
IDFC First Bank is known for providing multiple beneficial credit cards, including a wide range of lifetime free cards. The IDFC bank was incorporated in 2014 after the Reserve Bank’s approval and eventually started its banking operations in 2015. Headquartered in Mumbai, IDFC Bank has more than 800 branches and 900 ATMs spread across the country. The bank operates across various business verticals, providing a wide array of services to its clients. The primary benefits and products provided by the bank also include credit cards.
As per RBI reports, the IDFC First Bank currently has more than 23 lakh active credit cards in the country as of January 2024. It has become a popular credit card issuer in the country and is known for offering exclusive cards with minimum charges. In this article, you will find the list of all the IDFC Bank Credit Cards and all the information about the same:
IDFC First Bank entered the credit card industry in January 2021. IDFC First Bank came up with credit cards for both high-end customers as well as for mass customers. Most of these credit cards launched by the bank come with absolutely zero membership fees and provide you with a high accelerated reward rate on your spendings. To learn more about all the cards offered by IDFC First Bank, the following are the best credit cards offered by the bank:
Shopping |
Reward Points
Movies | Travel | Shopping |
Reward Points |
Fuel |
Reward Points |
Travel | Shopping |
Reward Points
Travel | Shopping |
Reward Points
Shopping |
Reward Points
Travel |
Reward Points |
Fuel |
Reward Points |
Dining | Shopping |
Reward Points
Movies | Travel | Shopping |
Reward Points
Different IDFC First Bank Credit Cards offer different reward rates. Premium cards generally have higher reward rates compared to basic cards. Moreover, the reward rates may also vary for different categories. You can understand the reward benefits of all the IDFC First Credit Cards in the following table:
Cards | Rewards Points |
IDFC First Millennia |
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IDFC Bank FIRST SWYP |
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IDFC First Select |
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IDFC First Classic |
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IDFC HPCL First Power Plus |
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IDFC First Wealth |
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Club Vistara IDFC First |
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IDFC HPCL FIRST Power |
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IDFC FIRST WoW |
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IDFC First Private |
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The reward points earned on IDFC First Bank credit cards can be redeemed at the Poshvine Reward Portal, exclusive partner stores, or online at e-commerce stores such as Amazon, Flipkart, Myntra, etc. 1 Reward Points = Rs 0.25 for redemption for all IDFC First Bank credit cards. You have to pay a convenience fee of Rs. 99 plus taxes on reward redemption with IDFC First Bank credit cards.
Moreover, the Karma Points that you earn using the IDFC First Private Credit Card are donated to a charity chosen by you in your name. Once you accrue 20,000 Karma Points, the points will automatically be donated at a monetary value of 1 Karma Point = Re. 0.25
Many people love traveling, and free lounge access makes their travel experiences extra luxurious without any additional spends. The IDFC First Credit Cards also offer complimentary airport/railway lounge access, and you can find detailed information about the same in the following table:
Credit Cards | Airport Lounge Access | Railway Lounge Access |
IDFC First Millennia | N/A | 4 Free Railway Lounge Access Every Calendar Quarter |
FIRST SWYP Credit Card | N/A | 4 Free Railway Lounge Access Every Calendar Quarter |
IDFC First Select | 4 Complimentary Domestic Lounge Access Every Calendar Quarter | 4 Free Railway Lounge Access Every Calendar Quarter |
IDFC First Classic | N/A | 4 Free Railway Lounge Access Every Quarter |
IDFC HPCL First Power Plus | 1 Complimentary Domestic Lounge Access Every Quarter | N/A |
Club Vistara IDFC First Credit Card |
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N/A |
IDFC First Private Credit Card |
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N/A |
IDFC First Wealth | 4 Complimentary Domestic Lounge Access Each Quarter | 4 Free Railway Lounge Access Every Calendar Quarter |
Looking to apply online for IDFC Credit Cards? Apply now for IDFC Credit Cards with Card Insider. You can compare multiple cards offered by IDFC Bank and choose the one that suits you the most. Check out IDFC First Credit Card rewards, cashback, offers, fees, and more on our website. Before applying for the new IDFC Credit Card, keep a few documents like a PAN Card handy.
You can also apply for IDFC Credit Cards offline by going to the nearest IDFC First Bank.
The IDFC First Bank provides its customers with various methods to activate their credit cards. One can do it online as well as offline at their comfort by utilizing any of the procedures given below:
1. You can activate your credit card at any IDFC First Bank ATM. Just visit the ATM nearest to you, insert your credit card, and find an option to generate a new PIN using OTP. You will receive an OTP on your registered mobile number. After entering that, you can activate your card easily.
2. Another way to activate a new IDFC First Credit Card is by using IDFC First Bank’s mobile banking application. Log in to the application, and then you can start your card quickly under the Manage Card section.
3. You can also contact IDFC First Bank Credit Card customer care to assist you in activating your credit card.
Even though IDFC First Bank has entered the credit card market in recent times, they have established a foot in India. With a range of lifetime free cards, customers can get a credit at zero joining fees and earn rewards on spends. Make easy and quick transactions with an IDFC First Bank Credit Card. This bank offers lifetime free credit cards and reward-based credit cards.
With IDFC Bank Credit Cards, you can earn rewards on fuel, dining, movies, and a lot more. You can also get additional benefits in the form of welcome benefits and milestone spending benefits with these credit cards.
Quickly compare the features and rewards of different IDFC Bank Credit Cards with CardInsider.
Rewards Rate 1 Cash Point for every retail spend of Rs. 100 and 5x Cash Points on IRCTC bookings.
Apply NowRewards Rate For every Rs. 125 spent on dining and another utility spend, you get 3 reward points and for every Rs. 125 spent on other non-fuel purchases you get 1 reward point.
Apply NowRewards Rate 4 Reward Points per Rs. 100 you spend on grocery & departmental stores and 2 Reward Points on other categories respectively. Upto 40 RP on every Rs. 100 spent on railway tickets booked through IRCTC
Apply NowRewards Rate 5% of spends as Fuel Points at IndianOil outlets, groceries, and bill payments, 1 Fuel Point on every Rs. 150 spent on all other purchases, reward rate of up to 4.8%
Apply NowRewards Rate 25 reward points for every Rs. 100 spends at BPCL fuel stations (reward rate = 6.25%), 10 RPs for every Rs. 100 spends on groceries, departmental stores, and movie ticket purchases (reward rate = 2.5%), and 1 reward point for every Rs. 100 spent for all other expenditures (reward rate = 0.25%) except mobile wallet uploads and fuel purchases at non-BPCL stations.
Apply NowRewards Rate 20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card
Apply NowRewards Rate 4% cashback on fuel spends at HPCL pumps, 5% cashback as RPs on departmental store spends & utility purchases, 2 Reward points per Rs. 100 spent for all other domestic and international transactions.
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