IDFC FIRST Bank
IDFC First Bank is known for providing multiple beneficial credit cards, including a wide range of lifetime free cards. It was incorporated in 2014 after receiving approval from the Reserve Bank, and its banking operations started in 2015. Headquartered in Mumbai, IDFC Bank is known for its easy and affordable banking services, including low-maintenance savings accounts, rewarding debit cards, and credit cards. The bank operates across various business verticals, providing a wide array of services to its clients. According to RBI reports, IDFC First Bank currently has more than 48.9 lakh active credit cards in the country as of July 2026. It has become a popular credit card issuer in the country and is known for offering exclusive cards with minimal charges. IDFC First Bank also includes some of the best-secured credit cards in the market in its portfolio, such as the IDFC WoW! Card, which comes with zero Forex charges, or the IDFC Smart Earn Credit Card. Such cards can be availed by students or those without any credit history and offer decent rewards. In this article, you will find a list of all the IDFC Bank credit cards and all the information about them.
On This Page — Jump to a Card
- IDFC FIRST Select Credit Card
- IDFC FIRST Wealth Credit Card
- IDFC First Bank Ashva Metal Credit Card
- IDFC FIRST Classic Credit Card
- IDFC First Bank Mayura Credit Card
- IDFC FIRST Millennia Credit Card
- IDFC HPCL First Power Plus Credit Card
- IDFC HPCL FIRST Power Credit Card
- IndiGo IDFC FIRST Credit Card
- IDFC FIRST Diamond Reserve Credit Card
- IDFC Bank FIRST SWYP Credit Card
- IDFC FIRST WOW! Black Credit Card
- IDFC FIRST WoW Credit Card
- IDFC FIRST Hello Cashback Credit Card
- IDFC FIRST EARN Credit Card
- IDFC FIRST Digital RuPay Credit Card
- IDFC FIRST Quantum+ Credit Card
- IDFC First Gaj Credit Card
- IDFC First Private Credit Card
List of Top IDFC Bank Credit Cards
IDFC First Bank entered the credit card industry in January 2021. IDFC First Bank came up with credit cards for both high-end customers and 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 spending. The following are the best credit cards offered by the bank:
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions
Welcome BenefitsVouchers worth ₹500 on spends of ₹5,000 within 30 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards RateEarn 10X Reward Points Per ₹200 on Dining, Travel & International Spends, 3X on Regular and UPI Spends Above ₹2,000, and 1X on Insurance, Utilities, Railways, FASTag and UPI Spends Up to ₹2,000
Welcome Benefits₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction
- Joining Fee
- ₹2,999 + GST
- Annual Fee
- ₹2,999 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10X Reward Points/₹150 on Incremental Spends Above ₹20,000 Per Statement Cycle. 5X Reward Points/₹150 on Spends Upto ₹20,000. 3X RPs Are Also Awarded for Rent, Wallet Load, Education, and Government Transactions
Welcome BenefitsUp to 7,500 Reward Points
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10X Reward Points Per ₹200 Spent on Dining, Travel & International Transactions | 3X Reward Points Per ₹200 on Other Eligible Spends | 1X Reward Point Per ₹200 on Insurance, Utilities, Railways, FASTag & UPI Spends Up to ₹2,000
Welcome Benefits₹500 Welcome Gift Voucher on Spending ₹5,000 Within the First 30 Days + 5% Cashback on Your First EMI Transaction Done Within 30 Days of Card Generation
- Joining Fee
- ₹5,999 + GST
- Annual Fee
- ₹5,999 + GST
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10X Reward Points/₹150 on Incremental Spends Above ₹20,000 Per Statement Cycle. 5X Reward Points/₹150 on Spends Upto ₹20,000. 3X RPs Are Also Awarded for Rent, Wallet Load, Education, and Government Transactions
Welcome BenefitsUp to 12,000 Reward Points
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Movies | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10 Reward Points per ₹200 Spent on Dining, Travel, and International Transactions, 1X Reward Points per ₹200 Spent on Insurance, Utilities, Railways, and FASTag Recharges, and 3 Reward Points per ₹200 Spent on All Other Eligible Transactions
Welcome Benefits5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Fuel
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate30X Reward Points on HPCL Fuel up to 2,400 Reward Points. You can save up to 5% as rewards on grocery and utility expenses, up to 5% as a reward on IDFC FIRST FASTag recharges (max ₹1,000 per month), and 3X rewards on all other retail transactions.
Welcome Benefits₹500 gift voucher on your 1st HPCL fuel transaction above ₹500 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.
- Joining Fee
- ₹199 + GST
- Annual Fee
- ₹199 + GST
- Best Suited For
- Fuel
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards RateSave up to 5% on your fuel spending. Save 2.5% as a reward on your utility and grocery expenses. 2.5% as a reward on your IDFC FASTag recharge. 2x rewards on all other retail spend.
Welcome Benefits₹250 gift voucher on your 1st HPCL fuel transaction above ₹250 and up to 5% cashback (up to ₹1,000 capped) on the transaction value of the first EMI.
- Joining Fee
- ₹4,999 + GST OR First Year for Secured Card (Min ₹50,000 FD)
- Annual Fee
- ₹4,999 + GST
- Best Suited For
- Travel
- Rewards Type
- Air Miles
Rewards rate and welcome benefits
Rewards RateUp to 22 BluChips/₹100 for Flight Bookings Via the IndiGo Website/App. 0.5 BluChips/₹100 for UPI, Rent, Utility, Insurance, and Wallet Spends, and 3 BluChips/₹100 for Other Eligible Spends
Welcome Benefits5,000 IndiGo BluChips, Meal Voucher, 3-Month EazyDiner Prime Membership, and Postcard Hotel Voucher Worth ₹3,000 (Paid Variant Only). 3,000 IndiGo BluChips Voucher on Spending ₹1 Lakh Within 90 Days (Both Paid and Secured Variant)
- Joining Fee
- ₹3,000 + GST
- Annual Fee
- ₹3,000 + GST
- Best Suited For
- Travel | International Spends
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3 Reward Points/₹150 Spent on Incremental Spends Up to ₹20,000. 10 Reward Points/₹150 Spent on Incremental Spends Above ₹20,000
Welcome BenefitsGift Voucher Worth ₹500 on Spending ₹5,000 Within 30 Days of Card Activation
- Joining Fee
- ₹499 + GST
- Annual Fee
- ₹499 + GST
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate200, 500, 1,000, 2,000 and 4,000 RPs on Spends of ₹5,000, ₹10,000, ₹15,000, ₹30,000, and 60,000 Respectively
Welcome Benefits1,000 RPs on the First EMI Transaction, 1 Year Lenskart Gold Membership, and 2,000 Reward Points on Spends of ₹5,000
- Joining Fee
- ₹750 + GST
- Annual Fee
- ₹750 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 RPs/₹150 Spent Online/Offline. 1 RP/₹150 Spent on Insurance and Utility Payments. Up to 3 RPs/₹150 Spent via UPI
Welcome BenefitsDiscounts, Complimentary Memberships, Cashback, and More Worth Over ₹5,000
- Joining Fee
- Nil
- Annual Fee
- Nil
- Best Suited For
- Dining | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate4 Reward Points/₹200 Spent (~0.50%)
Welcome BenefitsN/A
- Joining Fee
- Nil (LIMITED TIME OFFER)
- Annual Fee
- ₹1,000 + GST
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards RateUp to 5% Cashback on Online Spends and 1% Cashback on Other Eligible Spends, Including UPI
Welcome BenefitsN/A
- Joining Fee
- NIL for Limited Time
- Annual Fee
- ₹499 + GST
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate1% Cashback on UPI Spends Via IDFC App and 0.5% Cashback on All Other Spends Including Utilities and Insurance
Welcome Benefits10% Cashback Up to ₹250 (On First Transaction Within 15 Days of Card Issuance)
- Joining Fee
- ₹199 + GST
- Annual Fee
- ₹199 + GST
- Best Suited For
- UPI
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate3X rewards on UPI Spends Above ₹2,000, Earn 1X Reward Point on UPI Spends Below ₹2,000, and Earn 1X Reward Point on all Utility and Insurance Payments
Welcome Benefits100% Cashback Up to ₹200 on the First Four UPI Transactions
- Joining Fee
- Lifetime Free
- Annual Fee
- Lifetime Free
- Best Suited For
- Shopping
- Rewards Type
- Cashback
Rewards rate and welcome benefits
Rewards Rate2% Cashback on Online Spends Up to ₹10,000 Per Statement Cycle, 1% Cashback on Online Spends Up to ₹10,000 Per Statement Cycle, UPI Scan & Pay Via the IDFC FIRST Bank Mobile App and In-Store Purchases, 0.5% Cashback on Select Categories
Welcome BenefitsN/A
- Joining Fee
- ₹12,500 + GST
- Annual Fee
- ₹12,500 + GST
- Best Suited For
- Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate5 Reward Points/₹150 on Regular Spends (3.33%) | 3 Reward Points/₹150 on International Spends (2%) | 1 Reward Point/₹150 on Insurance, Utilities, Rent, Government, Wallet Loads, Railways, FASTag & Education (0.67%)
Welcome Benefits12,500 Reward Points and 25% Off On 5-Star Stays
- Joining Fee
- ₹50,000 + GST
- Annual Fee
- ₹25,000 + GST
- Best Suited For
- Movies | Travel | Shopping
- Rewards Type
- Reward Points
Rewards rate and welcome benefits
Rewards Rate10X Rewards on Domestic Spends, 5X Rewards on International Spends and 1X Rewards on Utilities, Rent & More
Welcome Benefits50,000 Reward Points
IDFC First Credit Cards – Latest News & Updates
June 2026
IDFC FIRST Bank has announced a fresh round of changes across several credit cards, including Wealth, Ashva, Mayura, Diamond Reserve, Millennia, WOW!, and even the newly launched Gaj Credit Card, with most updates coming into effect from June and July 2026. One of the biggest common changes is that cardholders will now need to spend ₹20,000 in the previous month to unlock the Buy-One-Get-One movie ticket benefit on many cards. The bank has also capped reward earnings only up to the assigned credit limit in a billing cycle, meaning spends beyond the limit through repayments and re-utilization will no longer earn rewards.
Another major devaluation is the removal of lifetime-valid Reward Points on several cards, with points now expiring after 24 months.
January 2026
IDFC First Bank has announced a major devaluation across most of its credit cards, impacting both premium and lifetime-free cards. Reward rates on international spends for cards like Mayura and Ashva have been cut from 10X to 5X, while many popular cards now earn rewards on ₹200 spend instead of ₹150, reducing overall value.
Lounge access and golf benefits on Select and Wealth cards have also been downgraded, and a new Fair Usage Policy limits rewards on FASTag and railway spends, with extra charges if certain limits are crossed. Overall, these changes make IDFC First credit cards less rewarding and more spend-condition heavy for cardholders going into 2026.
Travel and Lifestyle Benefits With IDFC Credit Cards
Different IDFC First Bank credit cards offer different benefits. Most cards provide premium travel and lifestyle benefits, ranging from airport lounge access to movie and dining privileges.
| Cards | Travel Benefits | Movie/Dining Benefits |
| IDFC FIRST Select |
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| IDFC FIRST Classic |
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| IDFC First Bank Ashva Metal |
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| IDFC FIRST Wealth |
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| IndiGo IDFC FIRST |
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| IDFC First Bank Mayura |
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| IDFC FIRST Millennia |
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| IDFC HPCL FIRST Power |
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| IDFC HPCL First Power Plus |
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| IDFC First Gaj |
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| IDFC FIRST Hello Cashback |
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| IDFC FIRST WOW! Black |
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| IDFC FIRST WOW! |
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| IDFC Diamond Reserve |
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| IDFC Bank FIRST SWYP |
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| IDFC FIRST EARN |
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| IDFC First Private |
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How to Activate IDFC First Bank Credit Cards?
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:
- 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.
- Another way to activate a new IDFC First Credit Card is to use IDFC First Bank’s mobile banking application. Log in to the application, and then you can activate your card quickly by going to the Manage Card > Set Pin section.
- You can also contact IDFC First Bank Credit Card customer care (1860 500 1111) for assistance in activating your credit card.
Bottom Line
IDFC Bank has established itself as a rewarding brand in India. With a range of lifetime free cards, customers can get a credit card at zero joining fees and earn rewards on spending. With an IDFC Bank Credit Card, you shall find a specific credit card for every category, whether it is for fuel, luxurious spending, regular use, or even philanthropy. These credit cards not only offer a decent reward rate but also additional benefits in the form of welcome benefits and milestone spending benefits.
With Card Insider, you can quickly compare the features and rewards of different IDFC Bank Credit Cards and apply for the best choice.
Quick Links
Frequently Asked Questions
What should I do if my IDFC First Credit Card is stolen or lost?
IDFC First Bank provides liability coverage for lost cards on all its credit cards. The cardholder can block/cancel the respective credit card within a stipulated period of 7 days from the date of the fraudulent transaction recorded with the credit card. The cardholder can notify the bank in case of any fraudulent transactions through SMS/Card statement/Email/Net Banking, or by any other means.
Am I charged any membership fee for IDFC First Bank's credit card?
No, there is no joining or renewal fee for most IDFC First Credit Cards. You can use most IDFC First Credit Cards for free for life. Some cards, like the First Power, First Power Plus, and Mayura Credit Cards, come with joining and annual fees.
What is the interest rate on IDFC FIRST Bank Credit Cards?
For most IDFC FIRST Bank Credit Cards, the interest rate ranges from 0.71% to 3.85% per month, depending on the cardholder’s profile and card type. This translates to an annual rate of 8.5% to 46.2%.
What is the overdue interest charge?
If the Minimum Amount Due (MAD) is not paid by the due date, an overdue interest charge of 3.99% per month (47.88% annually) will apply.
What is the interest rate on the IDFC FIRST Private Credit Card?
The IDFC FIRST Private Credit Card comes with a lower finance charge of 0.75% per month, which is equal to 9% annually.
Does the FIRST SWYP Credit Card charge interest?
No. The FIRST SWYP Credit Card does not have regular finance or overdue interest charges. However, cardholders must either pay the full outstanding amount or convert eligible spends into EMI.
Can I convert my IDFC First credit card transactions into EMI?
Yes, you can convert your IDFC First credit card transactions of ₹2,500 or more in EMI using your IDFC First credit card.
What is the IDFC First customer helpline for assistance?
You can call the 24X7 IDFC First Bank customer care number at 1860 500 1111. You can also reach out to the Bank with your queries through NetBanking/Mobile Application.
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I HAVE CLOS MY CARD