By Ankur Mittal
Updated On May 3, 2023

IDFC First Bank was established after the merger between IDFC Bank, an entirely-owned subsidiary of IDFC Ltd, and Capital First Bank in December 2018. The IDFC bank got incorporated in 2014 after the Reserve Bank’s approval and eventually started its banking operations in 2015. Headquartered in Mumbai, IDFC Bank has a count of 600 branches and 592 spread across the country. The bank operates across various business verticals providing a wide array of services to its clients. The major services and products provided by the bank also include credit cards.

As per RBI reports, the IDFC First Bank currently has around 13,50,524 active credit cards in the country. It has become a popular credit card issuer in the country and is majorly known for offering exclusive cards with minimum charges. Previously, the bank was only offering lifetime free credit cards, but it came up with a super-premium card in the year 2022. The card is named IDFC First Private Credit Card and is the only card issued by IDFC Bank that charges an annual fee. In this article, you will find the list of all the IDFC Bank Credit Cards and all the information about the same:

idfc credit card

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, following are the best credit cards offered by the bank:

Table of Contents
IDFC_FIRST_Millennia_Credit_Card

(4.5/5)

Fee

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_FIRST_Select_Credit_Card

(4.7/5)

Fee

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

Welcome gifts worth Rs. 500 in the form of vouchers based on spends within 90 days of card issuance and a 5% cashback on EMI transactions within 30 days of card issuance.

IDFC_FIRST_Classic_Credit_Card

(4.7/5)

Fee

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Travel |

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_Wealth_Credit_Card

(4.8/5)

Fee

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

Gift Vouchers worth Rs. 500 from premium brands on spending over Rs. 30,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.

IDFC Bank First Power Plus Feature

(4.6/5)

Fee

Joining Fee

Rs. 499 plus applicable taxes

Renewal Fee

Annual fee of Rs. 499.

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 Bank First Power Feature

(4.6/5)

Fee

Joining Fee

Rs. 199 plus taxes but No Joining Fee as an introductory offer

Renewal Fee

Rs. 199 plus taxes

Best Suited For

Fuel |

Reward Type

Reward Points |

Welcome Benefits

NA

IDFC_FIRST_WoW_Credit_Card

(4.5/5)

Fee

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

(4.5/5)

Fee

Joining Fee

Rs. 50,000

Renewal Fee

Rs. 50,000 plus applicable taxes

Best Suited For

Movies | Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

NA

Top 5 IDFC First Bank Credit Cards

Following are the four topmost credit cards issued by the IDFC First Bank along with their detailed features & benefits along with all other essential information. You can compare different credit cards and choose the one that appears to serve you the best:

IDFC First Private Credit Card

The IDFC First Private Credit Card is the most premium card offered by the bank. It was launched recently in the year 2022 and gives direct competition to other super-premium cards available in the market. It is an invite-only card and comes with an annual fee of Rs. 50,000. The card offers a great reward rate and you also earn Karma points that are donated to a charity in your name. Moreover, this card offers complimentary domestic as well as international lounge access to both primary and supplementary cardholders. The cardhlders are also entitled to complimentary golf lessons on achieving the required monthly spend. Other features of this card include exciting discounts on movies and complimentary insurance covers.

IDFC First Select Credit Card

IDFC First Select credit card is a premium card issued by the IDFC Bank. On this credit card, you earn upto 10x reward points on every Rs 100 spent on your birthdays, 6x reward points on every Rs 100 spent on online spendings, and 3x reward points on every Rs 100 spent on offline spendings. With this card, you get upto 4 complimentary domestic lounge access every calendar quarter. Furthermore, you also enjoy several insurance benefits on this card worth upto Rs 5 lakhs. Besides that, you do not get charged an annual membership fee. This card charges a low interest rate of 0.75% – 2.99% on the due amount.

IDFC First Wealth Credit Card

The Wealth credit card is a premium card offered by the IDFC First Bank. The card comes with zero annual membership fees, and you also get charged with a relatively low interest rate ranging from 0.75% to 2.99% per month on this credit card. Moreover, you get 4 complimentary lounge access both domestic and international with this credit card. Along with it, you also get travel insurance cover worth Rs 1 crore. Furthermore, for every Rs. 100 spent with the card, you get 1 reward point, accelerated 3x reward points upto Rs 20,000, and 10x reward points on every penny spent on your birthday.

IDFC First Millennia Credit Card

The Millennia credit card is a reward card by IDFC First Bank that provides you with a great reward rate on your spendings. You get an accelerated reward rate up to 10x on your spendings made on your birthdays up to Rs 20,000. Furthermore,  get 6x reward points on every online spend and 3x points on every offline spend. One of the key features of this credit card is the reward point accumulated by the cardholder do not expire and can be carried forward to the next year.

IDFC First Classic Credit Card

This is an entry-level card that comes with exclusive rewards and benefits on your spending. You are not charged any joining fee or renewal fee on this credit card. Furthermore, you get 6 reward points on every Rs 150 spent online and 3 reward points on every Rs 150 spent offline. Besides that, you get 4 complimentary access to Railway lounges every quarter. Also, you are provided with insurance benefits worth upto Rs 2 lakhs.

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:

Credit Cards Rewards Points
IDFC First Private Credit Card
  • 3 Reward Points on every Rs. 100 spent offline.
  • 6 Reward Points on every Rs. 100 spent offline.
  • 10x Reward Points on all spends (after achieving a monthly spend of Rs. 30,000)
IDFC First Select credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Wealth credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Classic credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spending
  • 3x Reward points on every Rs 100 spent on offline spending upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Millennia credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent

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

Complimentary Lounge Access

Complimentary lounge access is one of the most desired travel benefits of credit cards these days. 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 Private Credit Card
  • 4 complimentary domestic lounge access every quarter (for both primary and add-on cardholders)
  • 4 complimentary international lounge access every quarter (for primary as well as add-on cardholders)
IDFC First Select Credit Card 4 Complimentary Domestic Lounge Access every calendar quarter 4 Complimentary Railway Lounge Access every calendar quarter
IDFC First Wealth Credit Card 4 Complimentary Domestic Lounge Access every calendar quarter 4 Complimentary Railway Lounge Access every calendar quarter
IDFC First Classic Credit Card NA 4 Complimentary Railway Lounge Access every calendar quarter
IDFC First Millennia Credit Card NA 4 Complimentary Railway Lounge Access every calendar quarter

Fees and Other Charges

Most of the credit cards offered by IDFC First Bank are lifetime free other than the Private Card. However, there are various other fees and charges associated with credit cards, including interest rates, cash advance fees, forex markup fees, and many more. You can get detailed information about the IDFC First Credit Cards’ fees and charges in the following table:

Charges IDFC First Private Credit Card IDFC First Select Credit Card IDFC First Wealth Credit Card IDFC First Classic Credit Card IDFC First Millennia Credit Card
Annual Fee Rs. 50,000 Lifetime Free Lifetime Free Lifetime Free Lifetime Free
Finance Charges 0.99% per month 0.75% to 2.99% per month 0.75% to 2.99% per month 0.75% to 2.99% per month 0.75% to 2.99% per month
Foreign Mark-up Fee  Nil 1.99% on the conversion amount 1.5% on the conversion amount 3.5% on the conversion amount 3.5% on the conversion amount
Redemption Fee Nil Nil Nil Nil Nil
Cash Advance Charges Rs. 250 Rs. 250 Rs. 250 Rs. 250 Rs. 250
Add-on Fee Nil for the first add-on card, Rs. 4,000 (second add-on card onwards) Nil Nil Nil Nil

How to Apply for IDFC First Credit Cards?

Step 1: Either visit the nearest branch or you can apply through net banking

Step 2: To apply via net banking, visit https://www.idfcfirstbank.com/credit-card

Step 3: Click on “Apply for a new credit card”

Step 4: Select the card, and complete all the required formalities.

What are the Documents Required?

You also need to submit several documents while applying for an IDFC First Bank Credit Card. Some most important documents required to apply for these cards are listed in the table below:

Proof of Identity Proof of Address Proof of Income
  • Aadhar Card
  • PAN Card
  • Voter ID
  • Driving Licence
  • Passport
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving Licence
  • Utility bills
  • Municipal or property tax receipt
  • Rent agreement
  • House allotment letter issued by central or state government
  • For self-employed individuals - Later ITR (Income Tax Return).
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.

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:

  • You can easily 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 and after entering that, you can activate your card easily.
  • Another way for activating a new IDFC First Credit Card is to do it using the IDFC First Bank’s mobile banking application. Just log in to the application and then you can activate your card easily under the Manage Card section.
  • You can also contact IDFC First Bank Credit Card customer care to assist you to activate your credit card.

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 any IDFC First credit card. You get a lifetime membership free on all IDFC First credit cards.

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]
You can also reach out to the Bank with your queries through NetBanking/Mobile Application

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