Best IDFC FIRST Bank Credit Cards

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:

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	4 Complimentary Railway Lounge Access Per Quarter 1 Complimentary Domestic Airport Lounge Access Every Quarter (4 Each Year)	Buy 1 Get 1 Movie Tickets up to ₹125 on the District App, Twice Every Month
IDFC FIRST Classic	Free Railway Lounge Access (Four Each Quarter) Unlocked After Spending of ₹20,000 Each Month	25% Discount on Movie Tickets up to ₹100 on District App, Once Per Month
IDFC First Bank Ashva Metal	4 Complimentary Railway Lounge Access per Quarter 4 Complimentary Domestic Airport Lounge Access per Quarter 2 Complimentary International Lounge Access per Quarter	BOGO on Movie Ticket Bookings up to ₹400 on District by Zomato, Twice Each Month
IDFC FIRST Wealth	Up to 1 Free Domestic Airport Lounge Visit per Quarter Up to 1 Complimentary International Lounge Visit per Quarter 4 Complimentary Railway Lounge Visits per Quarter	Buy One Get One on Movie Tickets up to ₹250 on the District App, Twice Every Month
IndiGo IDFC FIRST	N/A	N/A
IDFC First Bank Mayura	4 Railway, 4 Domestic Airport & 4 International Lounge Visits per Quarter (Guest Access Included)	BOGO on Movie Tickets up to ₹500, Twice Each Month
IDFC FIRST Millennia	4 Free Railway Lounge Access Each Quarter (Spend ₹20,000 Each Month to Unlock)	25% Discount on Movie Tickets up to ₹100 on the District App
IDFC HPCL FIRST Power	N/A	N/A
IDFC HPCL First Power Plus	1 Complimentary Domestic Airport Lounge Access Every Quarter (4 Each Year)	25% Off on Movie Tickets up to ₹100, Once Per Month
IDFC First Gaj	Spend-Based Meet & Greet (Visa Infinite), Railway Lounge Access, 4 Domestic Lounge Visits per Quarter (1 Guest), and 4 International Lounge Visits per Quarter	N/A
IDFC FIRST Hello Cashback	N/A	N/A
IDFC FIRST WOW! Black	4 Domestic Lounge Visits per Year (1 per Quarter), Unlocked on ₹20,000 Spend in the Previous Month	25% Off up to ₹100 on Movie Ticket Bookings via District by Zomato
IDFC FIRST WOW!	50% Discount Up to ₹300 on Movie Ticket Bookings (Visa Infinite)	N/A
IDFC Diamond Reserve	4 Railway Lounge Visits + 2 Domestic & 2 International Lounge Visits per Quarter (Primary & Add-On Cardholders)	BOGO on Movie Ticket Bookings via District, up to ₹500
IDFC Bank FIRST SWYP	4 Free Railway Lounge Access Each Quarter	25% Off up to ₹100 on Movie Ticket Bookings via District by Zomato
IDFC FIRST EARN	N/A	25% Off on Movie Tickets up to ₹100, Once Per Month
IDFC First Private	Unlimited Airport and Railway Lounge Access	₹750 Off on Movie & Non-Movie Bookings via BookMyShow, Twice Each Month

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.