All IDFC FIRST Bank Credit Cards

IDFC FIRST Private Credit Card

IDFC FIRST Bank · Ultra Premium / Invite Only
Invite OnlyUltra PremiumZero Forex
  • 6 Reward Points per ₹100 on online spends (up to ₹30,000/month)
  • 3 Reward Points per ₹100 on offline spends (up to ₹30,000/month)
  • 10X Reward Points on all spends beyond ₹30,000/month
  • Reward Points never expire
Annual Fee₹50,000 + GST (from Year 2)
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IDFC FIRST Gaj Credit Card

IDFC FIRST Bank · Super Premium / Invite Only
Invite OnlySuper PremiumZero Forex
  • Up to 33% value back on travel bookings via IDFC FIRST App
  • Zero forex markup on all international transactions
  • Unlimited domestic and international airport lounge access
  • 1 RP = ₹1 for travel bookings (vs ₹0.25 standard rate)
Annual Fee₹12,500 + GST
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IDFC FIRST Mayura Credit Card

IDFC FIRST Bank · Premium Metal
Zero ForexMetal CardPremium Travel
  • 10X Reward Points on monthly spends ≥₹20,000
  • 5 Reward Points per ₹150 on spends below ₹20,000/month
  • 1X on insurance, utility, fuel (above ₹30K), rent, wallet
  • Zero forex markup — international transactions free of charge
Annual Fee₹5,999 + GST
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IDFC FIRST Ashva Credit Card

IDFC FIRST Bank · Premium Metal / Entry
Premium MetalLow ForexLounge
  • 10X Reward Points on monthly spends ≥₹20,000
  • 5 Reward Points per ₹150 on spends below ₹20,000/month
  • 1% forex markup (low — not zero like Mayura)
  • 4 complimentary domestic airport lounge visits per quarter (16/year)
Annual Fee₹2,999 + GST
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IDFC FIRST Wealth Credit Card

IDFC FIRST Bank · Lifetime Free / Premium
Lifetime FreePremiumUnlimited Domestic Lounge
  • 10X Reward Points on monthly spends ≥₹20,000 (online + offline)
  • 3X Reward Points on all other spends (up to ₹20,000/month)
  • 1X on insurance, utility, fuel (>₹30K), rent, wallet reloads
  • Unlimited complimentary domestic airport lounge access via Elite Assist
Annual Fee₹0
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IDFC FIRST Select Credit Card

IDFC FIRST Bank · Lifetime Free / Mid-Premium
Lifetime FreeMid-PremiumLounge
  • 10X Reward Points on birthday spends (all day)
  • 10X Reward Points on monthly spends ≥₹20,000
  • 3X Reward Points on all other eligible spends
  • 1X on insurance, utility, fuel, rent, wallet reloads
Annual Fee₹0
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IDFC FIRST Millennia Credit Card

IDFC FIRST Bank · Lifetime Free / Entry Mid
Lifetime FreeEntry LevelRailway Lounge
  • 10X Reward Points on birthday spends
  • 10X Reward Points on monthly spends ≥₹20,000
  • 3X Reward Points on other spends up to ₹20,000/month
  • 1X on insurance, utility, fuel, rent, wallet reloads
Annual Fee₹0
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IDFC FIRST Classic Credit Card

IDFC FIRST Bank · Lifetime Free / Starter
Lifetime FreeStarterZero Fee
  • 10X Reward Points on birthday spends
  • 10X Reward Points on monthly spends ≥₹20,000
  • 3X Reward Points on other spends up to ₹20,000/month
  • 1X on insurance, utility, fuel, rent, wallet reloads
Annual Fee₹0
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IDFC FIRST SWYP Credit Card

IDFC FIRST Bank · EMI / Rewards
EMI CardNo InterestUnique
  • No interest charges — convert spends to EMI with a flat monthly fee instead
  • Monthly milestone rewards: 200 RP (₹5K spend) → 500 RP (₹10K) → 1,000 RP (₹15K)
  • 4 complimentary railway lounge visits per quarter (spend-gated: ₹20K previous month)
  • Buy 1 Get 1 movie tickets (spend-gated)
Annual Fee₹499 + GST
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IDFC FIRST HPCL Power Plus Credit Card

IDFC FIRST Bank · Co-branded / Fuel / Premium
FuelHPCL30X Fuel
  • 30X Reward Points per ₹150 on HPCL fuel (6.25% effective rate)
  • 30X Reward Points per ₹150 on grocery, IDFC FASTag recharge, utility bills
  • 3X Reward Points per ₹150 on all other retail and UPI transactions
  • 1% fuel surcharge waiver at HPCL
Annual Fee₹499 + GST
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IDFC FIRST HPCL Power Credit Card

IDFC FIRST Bank · Co-branded / Fuel / Entry
FuelHPCLEntry Level
  • 21X Reward Points per ₹150 on HPCL fuel transactions
  • 5% effective savings on HPCL fuel
  • 2.5% savings on grocery purchases, utility bills, IDFC FASTag recharge
  • 2X Reward Points on all other retail and UPI transactions
Annual Fee₹199 + GST
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IDFC FIRST WOW! Credit Card

IDFC FIRST Bank · Secured / FD-backed / Lifetime Free
Zero ForexLifetime FreeFD-Backed
  • 4X Reward Points on all eligible card spends
  • 3X Reward Points on UPI transactions (via RuPay WOW! Black)
  • Zero forex markup — 0% on international transactions
  • Issued against Fixed Deposit (minimum ₹5,000 FD)
Annual Fee₹0
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IDFC FIRST WOW! Black Credit Card

IDFC FIRST Bank · Secured / FD-backed / Dual Card
Zero ForexDual CardFD-Backed
  • Dual card — one Visa credit card + one RuPay credit card for UPI payments
  • 4X Reward Points on all Visa credit card spends
  • 3X Reward Points on UPI transactions via RuPay card
  • Zero forex markup — 0% on international transactions
Annual Fee₹0
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IDFC FIRST EARN Credit Card

IDFC FIRST Bank · Virtual / FD-backed / Cashback
Virtual Card1% CashbackFD-Backed
  • 1% cashback on all eligible spends — simple flat rate
  • Virtual card only — no physical card issued
  • Issued against Fixed Deposit (₹10,000+ FD)
  • Lifetime free — no fees
Annual Fee₹0
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IDFC FIRST Digital RuPay Credit Card

IDFC FIRST Bank · Digital / UPI / Add-on
RuPay UPIDigital CardAdd-on
  • Use credit card limit for UPI payments — scan any QR code and pay
  • 3X Reward Points on UPI Scan & Pay transactions
  • Earn same rewards as primary card on other spends
  • 100% cashback on first 4 UPI transactions (up to ₹50 each)
Annual Fee₹199 + GST (from Year 2)
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IndiGo IDFC FIRST Bank Credit Card

IDFC FIRST Bank · Co-branded / Airline / Travel
Co-brandedIndiGoDual Card
  • 22+ BluChips per ₹100 on IndiGo website/app bookings (accelerated rate)
  • BluChips redeemable for IndiGo flights, upgrades, add-ons
  • Dual card — Mastercard for domestic/international use + RuPay for UPI
  • 4 complimentary domestic lounge visits per quarter (16/year)
Annual Fee₹4,999 + GST
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LIC Classic / LIC Select IDFC FIRST Credit Card

IDFC FIRST Bank · Co-branded / Insurance
Co-brandedLICInsurance
  • 5X Reward Points on LIC premium payments
  • 3X Reward Points on dining, movies, and entertainment
  • 1X Reward Points on all other eligible spends
  • Buy 1 Get 1 movie tickets (select variant)
Annual Fee₹499–₹999 + GST
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IDFC FIRST Diamond Reserve Credit Card

IDFC FIRST Bank · Travel / Premium
Zero ForexTravelLounge
  • 10X Reward Points on monthly spends ≥₹20,000
  • 3X Reward Points on other eligible spends
  • 1X on insurance, utility, fuel (above ₹30K), rent, wallet reloads
  • Zero forex markup on all international transactions
Annual Fee₹3,000 + GST
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About IDFC FIRST Bank Credit Cards

IDFC FIRST Bank is one of India's fastest-growing private sector banks, with 45+ lakh active credit cards as of March 2026. The bank is especially popular for its unique features — most cards offer lifetime-free access (no annual fee), rewards that never expire, and low interest rates starting at 9% per annum for eligible customers.

The card portfolio ranges from the ultra-premium invite-only FIRST Private and Gaj cards to the completely free entry-level FIRST Classic and FD-backed WOW! card. Premium metal cards Mayura (zero forex, 16 international lounges/year) and Ashva (1% forex, 16 domestic lounges/year) target frequent travellers at competitive annual fees.

Key differentiators from other banks: Rewards never expire (unlike HDFC, ICICI), lowest entry point to secured credit (FD of just ₹5,000 for WOW!), zero forex on premium cards, and a genuinely free unlimited domestic lounge card (FIRST Wealth) for high-income earners. From June 2026, IDFC FIRST has updated several cards — check the individual card pages for the latest benefits.

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