IDFC FIRST Bank Credit Cards
The lifetime-free specialist — low interest rates from 0.75%/month, never-expiring points, and a clean digital experience.
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Popular IDFC FIRST Bank cards
Hand-picked variants across rewards, cashback, travel and lifetime-free. Fees shown are indicative — the issuer's latest schedule applies.
FIRST Millennia Credit Card
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FIRST Millennia Credit Card
- 10X points on spends above ₹20k/month and birthday spends
- Points never expire; low 0.75%–3.65% monthly interest
- 25% off movie tickets on Paytm (up to ₹100/month)
FIRST Classic Credit Card
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FIRST Classic Credit Card
- 3X–10X reward structure on incremental spends
- Railway lounge access quarterly
- Comprehensive insurance covers built in
FIRST Select Credit Card
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FIRST Select Credit Card
- Domestic lounge visits on ₹20k monthly spends
- Buy-one-get-one movies (up to ₹125) twice a month
- Lower forex markup than typical entry cards
FIRST Wealth Credit Card
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FIRST Wealth Credit Card
- Domestic + international lounge and spa access on spends
- 1.5% forex markup — strong for international travel
- Golf privileges and premium insurance covers
Fees & charges
- Interest on revolving balance
- 0.75% – 3.65% / month
- Cash advance fee
- ~2.5% of amount (min ₹300–500)
- Late payment charges
- ₹0 – ₹1,300 slab-wise on amount due
- Foreign currency markup
- 1.5% – 3.5%
- Fuel surcharge waiver
- ~1% on eligible slabs, capped monthly
Eligibility
- Age
- 21 – 60 years (up to 65–75 for some issuers)
- Income
- ₹15,000 – ₹25,000+/month for entry cards; higher for premium
- Employment
- Salaried or self-employed with steady income
- Credit score
- 700+ improves approval odds and limits
Documents
- PAN card (mandatory for all card applications)
- Aadhaar / passport / voter ID as identity & address proof
- Latest salary slips or ITR for income proof (premium cards)
- Passport-size photo if digital KYC hasn't captured one
IDFC FIRST Bank card FAQs
What's the catch with IDFC's lifetime-free cards?
There isn't a fee catch — the bank monetises interchange and revolving interest. The reward sweet spots sit above ₹20k monthly spends, so light spenders earn modest returns.
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