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. It is known for providing multiple beneficial credit cards, including 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 one million active credit cards in the country. It has become a popular credit card issuer in the country and is 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 one of the few cards 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:
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:
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel |
Reward Type
Reward Points |
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel |
Reward Type
Reward Points |
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Fuel |
Reward Type
Reward Points |
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Dining | Shopping |
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Movies | Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
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 Select Credit Card
IDFC First Select credit card is a premium card issued by IDFC Bank. On this credit card, you earn up to 10x reward points on every Rs 100 spent on your birthdays, 6x reward points on every Rs 100 spent online, and 3x reward points on every Rs 100 spent offline. With this card, you get up to 4 complimentary domestic lounge access every calendar quarter. Furthermore, you also enjoy several insurance benefits on this card worth up to 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 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 four complimentary lounge access, both domestic and international, with this credit card. Along with it, you also get travel insurance coverage worth Rs 1 crore. Furthermore, for every Rs. 100 spent with the card, you get one reward point, accelerated 3x reward points up to 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 an excellent reward rate on your spends. You get an accelerated reward rate of up to 10x on spends 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 points accumulated by the cardholder do not expire and can be carried forward to the following 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 four complimentary access to Railway lounges every quarter. Also, you are provided with insurance benefits worth up to Rs 2 lakhs.
IDFC HPCL First Power Plus Credit Card
IDFC HPCL First Power Plus Credit Card comes at an affordable joining fee of Rs. 499. With this card, cardholders will be able to save more than Rs 18,500 which is nearly 175 litlres of fuel in a year. Every quarter you will also be able to enjoy a complimentary visit to the domestic lounge with the IDFC HPCL First Power Plus Credit Card. You can also use this card safely and in case of loss or theft, there is Zero Liability Protection and some insurance benefits also. Get rewarded on your UPI transactions with the HPCL First Power + Credit Card.
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 |
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IDFC First Select credit card |
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IDFC First Wealth credit card |
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IDFC First Classic credit card |
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IDFC First Millennia credit card |
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IDFC HPCL First Power Plus Credit Card |
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Club Vistara IDFC First Credit Card |
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IDFC HPCL FIRST Power Credit Card |
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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 |
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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 |
IDFC HPCL FIRST Power Credit Card | N/A | N/A |
IDFC HPCL First Power Plus Credit Card | Domestic Lounge Access Once Every Quarter | N/A |
Club Vistara IDFC First Credit Card |
|
N/A |
IDFC FIRST WoW Credit Card | N/A | N/A |
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:
Credit Cards | Annual Fee | Finance Charges | Foreign Mark-up Fee | Redemption Fee | Cash Advance Charges | Add-on Fee |
IDFC First Private Credit Card | Rs. 50,000 + GST | 0.99% per month | Nil | Nil | Rs. 250 | Nil for the first add-on card, Rs. 4,000 (second add-on card onwards) |
IDFC First Select Credit Card | Lifetime Free | 0.75% to 2.99% per month | 1.99% on the conversion amount | Nil | Rs. 250 | Nil |
IDFC First Wealth Credit Card | Lifetime Free | 0.75% to 2.99% per month | 1.5% on the conversion amount | Nil | Rs. 250 | Nil |
IDFC First Classic Credit Card | Lifetime Free | 0.75% to 2.99% per month | 3.5% on the conversion amount | Nil | Rs. 250 | Nil |
IDFC First Millennia Credit Card | Lifetime Free | 0.75% to 2.99% per month | 3.5% on the conversion amount | Nil | Rs. 250 | Nil |
IDFC FIRST WoW Credit Card | Nil | 0.75% – 3.5% | Nil | Rs. 99 | Rs. 250 | Nil |
IDFC HPCL First Power Plus Credit Card | Rs. 499 + GST | 0.75% to 3.5% per month | 3.5% on all international transactions | Rs. 99 | Rs. 250 | Nil |
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 which 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 PAN Card handy.
You can also apply for IDFC Credit Cards offline by going to the nearest IDFC First Bank.
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 |
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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, and after entering that, you can activate your card easily.
2. Another way to activate a new IDFC First Credit Card is 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]
You can also reach out to the Bank with your queries through NetBanking/Mobile Application