IDFC Credit Cards


IDFC First bank offers a variety of credit card options from secured cards or FD cards like IDFC Wow credit cards to credit cards with premium benefits such as IDFC First Select Credit Card. Check IDFC credit card features, benefits, fees, charges & exclusive offers to make an informed decision.

Compare the best IDFC credit cards for your needs like the IDFC First Lifetime Free credit card (IDFC First Millennia credit card), IDFC Rupay credit cards for credit card UPI payments, forex & travel cards, premium & ultra premium cards. Whether you're looking for cashback, reward points, or special offers, IDFC Bank Credit Cards provide an ideal blend of features to enhance your financial experience.


IDFC Credit card Benefits and features, and eligibility are open to a wide range of users. For movie buffs, travellers, Millenials and even those accustomed to a luxurious lifestyle, IDFC multiples the benefit of using its credit card.

Best IDFC Credit Cards

Finzy offers a range of loan features that make it an attractive option for borrowers. Here are the key highlights, summarized in a table:

Card Name Category
IDFC First Classic Credit Card Reward Points
Club Vistara IDFC FIRST Credit Card Travel & Lifestyle Rewards
IDFC Select First Credit Card Premium
IDFC FIRST Wealth Credit Card Premium & Travel
Fuel, Travel & Reward Points Fuel, Travel & Reward Points

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Check the best credit card offers for your needs!

IDFC First Classic Credit Card

  • Provides 10x more rewards on spends more than Rs. 20000/-
  • And a 3X more rewards made online or offline made over the same amount.
  • As a complimentary, you receive 4 Railway lounge access every quarter
  • At low interest rates starting from 0.75% to 3.65% / month

Club Vistara IDFC FIRST Credit Card

  • There is a minimal Joining fee: ₹4999 & a Annual/Renewal Fee: ₹4999
  • Consider 6,000 CV Points on spending Rs. 30,000 per month in the Quarter of the year
  • Now Avail Up to 5 Premium Economy tickets as milestone benefits, where 1 premium economy ticket + 1 class upgrade & 3 month Eazy diner Prime membership as welcome bonus
  • The benefit extends Complimentary Club Vistara Silver Membership Up to 6 CV Points for every Rs. 200 spent, with an exclusive 2 complimentary visits to domestic lounges and spas per quarter.
  • Additionally, 12 complimentary golf lessons and 4 golf rounds per year

IDFC Select First Credit Card

Get exclusive gift vouchers and rewards upon your EMI transactions and credit card purchases of IDFC Select First Credit Card

  • With a minimal Joining fee of ₹0 and an annual membership renewal fee of ₹0 & 10X reward points on incremental monthly spends above Rs. 20,000
  • 3X reward points on purchases of up to Rs. 20,000 in a month + 1 reward point per Rs. 150 on utility, insurance and other offline spends
  • Earn Gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days straight up of card setup and a 5% cashback on the first EMI transaction done within 90 days of card setup.
  • Gain domestic airport lounge access for 2 members in a quarter upon spending Rs.20,000/month
  • Buy 1 Get 1 offer on movie tickets, twice a month on Paytm mobile app

FIRST Wealth Credit Card

Whether you’re a frequent traveller, a millennial looking to save on everyday expenses, or someone looking for premium privileges, there’s a card for you. Designed for high-net-worth individuals, this card offers:

  • Low Charges, High Rewards: Save up to ₹18,100 annually.
  • Premium Privileges: Enjoy concierge services, exclusive rewards on luxury spending, and a higher credit limit.
  • Travel Benefits: Complimentary airport lounge access and travel insurance.

FIRST Power+ Credit Card

Designed for high-net-worth individuals, this card offers premium privileges such as concierge services, exclusive rewards on luxury spending, and a higher credit limit. Perfect for everyday spenders, this card provides:

  • Fuel Savings: Save 6.5%* on fuel expenses.
  • Grocery & Utilities Discounts: Save 5%* on groceries and utility bills.
  • Reward Points: Earn points on every transaction, redeemable across various categories.

FIRST Millennia Credit Card

This card caters to millennials, offering cashback on routine spending categories like dining, online shopping, and utility bill payments, along with flexible repayment options.

Designed for millennials, offering:

  • Cashback on Routine Spending: Earn cashback on dining, online shopping, and utility bill payments.
  • Flexible Repayment Options: Manage your finances with ease.
  • Exclusive Discounts: Access to special deals and offers at popular merchants.

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IDFC Credit Cards - Fees, Charges & Interest Rates

Unlike many credit cards that charge hefty fees for exceeding your credit limit, IDFC Bank Credit Cards do not impose any over-limit charges, making your credit usage worry-free.

Card Name Annual Fees Joining Fees
IDFC FIRST Classic Credit Card Lifetime Free Nil
Club Vistara IDFC FIRST Credit Card ₹4,999 + taxes ₹4,999 + taxes
IDFC FIRST Select Credit Card Lifetime Free Nil
IDFC FIRST Wealth Credit Card Lifetime Free Nil
IDFC FIRST Power+ Credit Card Lifetime Free Nil

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Note: The interest rates are subject to change based on the creditworthiness of the applicant.

Other Charges on IDFC First Credit Cards

Card Name Other Key Charges
IDFC FIRST Classic Credit Card Nil
Club Vistara IDFC FIRST Credit Card Reward points on Vistara flights, complimentary lounge access, and no fuel surcharge.
IDFC FIRST Select Credit Card Complimentary airport lounge access
IDFC FIRST Wealth Credit Card Unlimited lounge access, no over-limit fees, no charges on cash withdrawals, and concierge services.
IDFC FIRST Power+ Credit Card 6.5% cashback on fuel, 5% cashback on grocery and utilities, no charges on EMI conversion.

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Note: Concierge services are customized services designed to meet a wide range of services such as travel dining and events.

Attractive Interest Rates

Enjoy lower interest rates starting at 0.75% per month, making managing your outstanding balances easier. This is significantly more attractive compared to many other competitors in the market.

  • The range of interest rates varies from 9% to 36% per annum

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IDFC Credit Card for Lounge Access

The IDFC FIRST Bank Credit Card offers exclusive lounge access benefits for frequent travellers. With complimentary access to airport lounges across India, you can enjoy a luxurious experience while waiting for your flights. Lounge access includes amenities like free Wi-Fi, comfortable seating, and refreshments, making your travel more comfortable and relaxing.

Whether you're travelling for business or leisure, the lounge access feature adds value to your journey with convenience and comfort.

IDFC Lifetime Free Credit Card

The IDFC FIRST Bank Lifetime Free Credit Card comes with zero annual fees and zero joining fees, ensuring that you enjoy financial freedom without the burden of yearly charges. This card offers a wide range of benefits, including competitive rewards, cashback offers, and discounts on dining, shopping, fuel, and more.

Additionally, you can take advantage of features like low interest rates, easy EMI options, and flexible payment options. It's the perfect credit card for those seeking value with no hidden costs.

Features of IDFC Bank Credit Cards

  1. Lifetime Free Credit Cards
    IDFC Bank Credit Cards come with the exceptional advantage of being lifetime free, meaning no joining or annual fees, helping you save significantly in the long term.
  2. Reward Points
    Earn & accumulate reward points on every spend, including online shopping, dining, and more. These points can be redeemed across various categories such as travel, lifestyle, and shopping, ensuring your expenses pay you back.
  3. Flexible Credit Limits
    IDFC Bank Credit Cards provide personalised credit limits designed to your spending behaviour, enabling you to manage your finances with flexibility.
  4. Interest-Free Cash Withdrawals
    Withdraw cash from ATMs without any interest for up to 48 days. This gives you the convenience of using your credit card for cash emergencies while avoiding immediate financial pressure.
  5. Fuel Charge Waiver
    Save on the fuel with a 1% surcharge waiver across all fuel stations in India. Plus, you can now reduce your travel expenses substantially.
  6. Global Acceptance
    IDFC Bank Credit Cards are accepted by millions of merchants worldwide, allowing you to make seamless transactions both online and offline, anywhere across the globe.
  7. Complimentary Insurance Coverage
    Get complimentary insurance coverage, including personal accident insurance and purchase protection, providing peace of mind during unforeseen events.

IDFC Bank Credit Cards offer unmatched convenience, rewards, and flexibility, making them a top choice for anyone looking for a smarter financial tool. Apply today to open a world of benefits!

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IDFC Bank Credit Cards Eligibility

To apply for an IDFC Bank Credit Card, you need to meet the following eligibility requirements:

  • Age: Minimum 21 years
  • Income: A stable source of income is required, whether you are salaried or self-employed.
  • Credit Score: A good credit score (typically 700 and above) ensures easy approval.
  • Documents Required: PAN Card, ID proof, address proof, and income documents such as salary slips or bank statements.

IDFC Bank Credit Card Apply Online

Applying for an IDFC Bank Credit Card is simple and can be done online or by visiting the nearest branch. Here's a step-by-step process to apply:

  • Step 1: Visit the IDFC Bank Website: Navigate to the credit card section and choose the card that best suits your needs.
  • Step 2: Fill out the Application Form: Provide your basic details, including name, contact information, income, and employment status.
  • Step 3: Upload Documents: Submit necessary documents like proof of identity, address, and income for verification.
  • Step 4: Verification: Once your documents are verified, you will receive a confirmation of approval.
  • Step 5: Card Issuance: After approval, your IDFC Bank Credit Card will be dispatched to your registered address.

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Benefits of IDFC Bank Credit Cards

IDFC Bank Credit Cards are among the best options for customers seeking value for money. The cards are not only fee-free but also come with a host of benefits designed to fit a variety of lifestyles.

  1. Lifetime Free Credit Card
    • IDFC FIRST Bank: A Cost-free journey, No annual fees or joining fees for a lifetime.
    • Other Cards: Many credit cards from other banks come with annual fees, joining fees, or hidden charges that increase the cost of ownership over a period.
  2. Lower Interest Rates
    • IDFC FIRST Bank: Offers one of the lowest interest rates in the market, starting at just 0.75% per month (9% per annum).
    • Other Cards: Typical interest rates range between 1.5% to 3.5% per month (18%-42% annually), making IDFC a more affordable choice for revolving credit.
  3. Interest-Free Cash Withdrawals
    • IDFC FIRST Bank: Provides interest-free cash withdrawals for up to 48 days, allowing customers to access funds without additional cost.
    • Other Cards: Most credit cards charge interest from the day of the cash withdrawal, with higher fees attached to this feature.
  4. Airport Lounge Access
    • IDFC FIRST Bank: Gain complimentary access to domestic and international airport lounges, which enhances the travel experience.
    • Other Cards: Over-limit charges are common with many credit cards, adding extra fees to your bill when you go over your credit limit.
  5. Personalised Credit Limits
    • IDFC FIRST Bank: Credit limits are personalized based on your financial profile, ensuring a limit that aligns with your spending needs.
    • Other Cards: Many other banks provide a standard credit limit, which may not cater to your financial flexibility requirements.
  6. Generous Rewards Program
    • IDFC FIRST Bank: Offers a robust rewards program that includes:
      • Up to 10X rewards on spending categories like dining and travel.
      • Reward points that never expire.
    • Other Cards: Many other credit cards have rewards programs, but points typically expire after a certain period, limiting their use.
  7. Fuel Surcharge Waiver
    • IDFC FIRST Bank: Provides a 1% fuel surcharge waiver across all petrol pumps in India, saving on fuel costs.
    • Other Cards: While many other cards also offer fuel surcharge waivers, they are often restricted to specific fuel stations or come with a cap on the waiver.
  8. Dining Discounts
    • IDFC FIRST Bank: Get up to 20% off at over 1,500 restaurants across India, making dining out more affordable.
    • Other Cards: Dining offers on other cards may be limited to specific restaurant chains or available only on select days.
  9. Complimentary Insurance Coverage
    • IDFC FIRST Bank: Includes complimentary personal accident cover and purchase protection, offering added peace of mind.
    • Other Cards: Insurance coverage is often an add-on feature with other credit cards and may come with additional fees.
  10. No Hidden Fees
    • IDFC FIRST Bank: Transparent fee structure with no hidden charges, ensuring customers only pay for what they use.
    • Other Cards: Many credit cards come with hidden fees such as over-limit charges, late payment fees, and processing fees that can inflate the cost of ownership.
  11. Global Acceptance
    • IDFC FIRST Bank: Accepted worldwide at millions of merchant locations, making it easy to use whether at home or abroad.
    • Other Cards: Global acceptance is generally a feature of most credit cards, but the IDFC FIRST Bank card pairs it with competitive exchange rates and minimal foreign transaction fees.
  12. Reward Points Redemption Flexibility
    • IDFC FIRST Bank: Reward points can be redeemed for a wide variety of options, including travel, vouchers, cashback, and more. Points don’t expire, giving you the flexibility to redeem them whenever needed.
    • Other Cards: Many cards offer limited redemption options, and points may expire after a specific period, reducing the flexibility of use.

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Frequently Asked Questions

The credit limit on your IDFC Bank Credit Card is based on several factors, including your income, credit score, and overall financial profile. You will be informed of your credit limit when your card is issued.

You can request a credit limit increase by contacting IDFC Bank’s customer service. The bank will review your request based on your card usage, payment history, and financial status.

Yes, IDFC Bank Credit Cards can be used for international transactions. Ensure that your card is enabled for international usage by contacting customer service before you travel.

You can redeem your reward points through the IDFC Bank rewards portal. Points can be redeemed for travel, shopping vouchers, or used as cashback to offset your outstanding credit card balance.

Immediately report the loss or theft of your credit card by calling IDFC Bank customer service. They will block the card to prevent unauthorised transactions and issue a replacement.

You can block or unblock your IDFC Bank Credit Card through the mobile app, online banking portal, or by contacting customer service.

IDFC Bank Credit Cards are lifetime free, meaning no joining or annual fees. However, depending on usage, interest charges, late payment fees, and foreign transaction fees may apply.

Yes, the reward points on IDFC Bank Credit Cards typically have an expiry period. You can check the validity of your points through the rewards portal or mobile app.

There is no limit on the number of transactions you can make, as long as you remain within your credit limit.

You can withdraw cash from ATMs using your IDFC Bank Credit Card. Interest-free cash withdrawals are available for up to 48 days, but beyond that, interest rates may apply.

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