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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 Credit Cards

List of Best 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 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:

Table of Contents
IDFC_FIRST_Millennia_Credit_Card

(4.7/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping |

Reward Type

Reward Points

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
IDFC Bank FIRST SWYP Credit Card

(4.6/5)

Fees

Joining Fee

499 + GST

Renewal Fee

499 + GST

Best Suited For

Movies | Travel | Shopping |

Reward Type

Reward Points |

Welcome Benefits

1,000 RPs on First EMI Transaction, 1 Year Lenskart Gold Membership & 1-Year Times Prime Membership
IDFC_FIRST_Classic_Credit_Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

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.
IDFC_FIRST_Select_Credit_Card

(4.6/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

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.
IDFC_FIRST_Wealth_Credit_Card

(4.5/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping |

Reward Type

Reward Points

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.
Club Vistara IDFC First Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 4,999 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Travel |

Reward Type

Reward Points |

Welcome Benefits

Complimentary class upgrade voucher and 1 premium economy flight ticket voucher for Air Vistara
IDFC Bank First Power Plus Feature

(4.7/5)

Fees

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel |

Reward Type

Reward Points |

Welcome Benefits

Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.
IDFC FIRST WoW Credit Card

(4.3/5)

Fees

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Dining | Shopping |

Reward Type

Reward Points

Welcome Benefits

Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.
Invite Only
IDFC First Private Credit Card

(4.6/5)

Fees

Joining Fee

Rs. 50,000 + GST

Renewal Fee

Rs. 50,000 + GST

Best Suited For

Movies | Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

200,000 Reward Points worth Rs. 50,000 and a complimentary Taj Epicure membership.

IDFC First Bank Credit Cards Rewards

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
  • 10x RPs on every Rs 100 spent on your birthdays
  • 10x RPs for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x RPs on every Rs 100 spent on online spendings
  • 3x RPs on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 RPon every Rs 100 spent
IDFC Bank FIRST SWYP
  • 200 RPs on monthly spends of Rs. 5,000
  • 500 RPs on monthly spends of Rs. 10,000
  • 1,000 RPs on monthly spends of Rs. 15,000
IDFC First Select
  • 10x RPs on every Rs 100 spent on your birthdays
  • 10x RPs for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x RPs on every Rs 100 spent on online spendings
  • 3x RPs on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 RPs on every Rs 100 spent
IDFC First Classic
  • 10x RPs on every Rs 100 spent on your birthdays
  • 10x RPs for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x RPs on every Rs 100 spent on online spending
  • 3x RPs on every Rs 100 spent on offline spending upto Rs 20,000
  • 1 RPs on every Rs 100 spent
IDFC HPCL First Power Plus
  • 24x RPs on HPCL fuel and LPG transactions per Rs. 150
  • 3x RPs per Rs. 150 on retail transactions
  • 30x RPs on grocery, IDFC FIRST FASTag, and utility per Rs. 150 spent
IDFC First Wealth
  • 10x RPs on every Rs 100 spent on your birthdays
  • 10x RPs for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x RPs on every Rs 100 spent on online spendings
  • 3x RPs on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 RPs on every Rs 100 spent
Club Vistara IDFC First
  • Get 6 CV Points on your spends up to Rs. 1 Lakh
  • Earn 4 CV points for every spend over Rs. 1 Lakh per statement cycle.
  • Get 10 CV Points on dining spends made on your Birthday
  • Get 1 CV Point on spends on Fuel, utility bills, rent, insurance, and wallet reloads
IDFC HPCL FIRST Power
  • 5% savings on fuel
  • 2.5% savings on grocery, utilities, and IDFC First FASTag recharge
  • 15x RPs on HPCL fuel transactions
  • 2x RPs on other transactions
IDFC FIRST WoW
  • 4x RPs on each spend made with the card
IDFC First Private
  • 3 RPs on every Rs. 100 spent offline.
  • 6 RPs on every Rs. 100 spent offline.
  • 10x RPs on all spends (after achieving a monthly spend of Rs. 30,000)

Reward Redemption

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

Free Lounge Access With IDFC Bank Credit Cards

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
  • 1 International Lounge Access Every Calendar Quarter
  • 2 Domestic Lounge Access Every Calendar Quarter
N/A
IDFC First Private Credit Card
  • 4 Complimentary Domestic Lounge Access Each Quarter
  • 4 Complimentary International Lounge Access Every Quarter
  • For Primary as Well as Add-On Cardholders
N/A
IDFC First Wealth 4 Complimentary Domestic Lounge Access Each Quarter 4 Free Railway Lounge Access Every Calendar Quarter

How to Apply for IDFC First Credit Cards?

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.

IDFC First Credit Card Application Status

  • To track your IDFC First credit card application status, visit IDFC First Bank’s homepage.
  • Go to the customer service option and choose service request.
  • Then go to “Track of Complaints and Request” and enter your “Service Request” number.

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:

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.

Bottom Line

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.

Quick Links

FAQs:

IDFC First bank provides a lost card liability cover 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.
No, there is no joining or renewal fee with the majority of IDFC First Credit Cards. You can make use of most of the IDFC First Credit Cards since they are free for life.
There is no expiry date of reward points accumulated using IDFC First credit cards. The reward points accrued to the cardholder never expire and be carried forward to the next year.
The cardholder gets charged with interest rates ranging from 0.75% to 1.99% on all IDFC First Bank credit cards depending upon the credit background of the individuals.
No, you get complimentary airport domestic lounge access upto 4 visits in a calendar quarter only on IDFC First Select credit card and IDFC First Wealth credit card. However, you get complimentary railway lounge access on all IDFC First credit cards.
Yes, you can convert your IDFC First credit card transactions of Rs 2500 or more in EMI using your IDFC First credit card.
The cardholders can get an interest-free period of 48 days applicable only when the previous month's dues have been cleared in full.
You can  Call on the 24X7 IDFC First Bank customer care number 18605001111 or you can email at [email protected] can also reach out to the Bank with your queries through NetBanking/Mobile Application

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HDFC Bank RuPay IRCTC Credit Card

Rewards Rate 1 Cash Point for every retail spend of Rs. 100 and 5x Cash Points on IRCTC bookings.

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IRCTC SBI Card Premier

Rewards 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.

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IRCTC Rupay SBI Credit Card

Rewards Rate 1 Reward Point on every spend of Rs. 125.

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IRCTC BoB RuPay Credit Card

Rewards 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

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IndianOil HDFC Bank Credit Card

Rewards 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%

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BPCL SBI Card Octane

Rewards 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.

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Indian Oil Axis Bank RuPay Credit Card

Rewards 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

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ICICI Bank HPCL Super Saver Credit Card

Rewards 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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ICICI Bank HPCL Coral Credit Card

Rewards Rate 2 Reward points per Rs. 100 spent

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