LIFETIME FREE PREMIUM CARD OFFERING A VAST RANGE OF BENEFITS

IDFC First Wealth Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary domestic airport lounge & domestic airport spa access - 2 times per quarter
✔︎
Complimentary international airport lounge access - 2 times per quarter
✔︎
Complimentary railway lounge access - 4 times per quarter
✔︎
Complimentary golf benefits - 2 golf rounds per month
✔︎
Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹500 per month
Annual Fee

₹0

Minimum Income

₹36 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.

BEST FOR PREMIUM ECONOMY TRAVELLERS OF VISTARA

Club Vistara IDFC First Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Upto 5 Vistara premium economy class tickets based on annual card spend (milestone program)
✔︎
3% reward (in Club Vistara points), on all monthly card spends upto ₹1 lakh
✔︎
Complimentary visits to airport lounges and spas in India – 2 per quarter
✔︎
Complimentary visits to airport lounges and spas in India – 2 per quarter
✔︎
Complimentary golf rounds (4 per year) and golf lessons (12 per year)
Annual Fee

₹4999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offers : 1 complimentary one-way premium economy class ticket || 1 one-class upgrade voucher || Complimentary Club Vistara Silver Membership
  • Renewal offers : 1 Complimentary one-way premium economy class ticket || 1 one-class upgrade voucher || Club Vistara Silver Membership will be renewed

GOOD FUEL CARD FOR COMPARATIVELY HIGHER FUEL SPENDS || UPI ENABLED CARD

IDFC HPCL First Power+ Credit Card

Our Rating 4.0
Top Reasons to Choose
6.50%
6.50% benefit on HPCL fuel purchases upto ₹10,000 per month
5%
Benefit on grocery purchases & utility bills - only on total purchases upto ₹2000 per month
5%
Benefit on FASTag recharge, only on upto ₹1000 of recharges per month.
✔︎
Complimentary domestic airport lounge access – 1 time per quarter
Annual Fee

₹499

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offers : ₹500 cashback on 1st fuel transaction of minimum ₹500 || ₹150 discount on a Swiggy order above ₹500 || ₹500 discount on ZoomCar rentals.
  • Renewal offer : Renewal fee not charged from the 2nd year onwards, if you spend ₹1.50 lakhs or more in the previous year

LIFETIME FREE CARD, ISSUED AGAINST FIXED DEPOSIT

IDFC WOW Credit Card

Our Rating 4.0
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Guaranteed approval card against fixed deposit – no income proof required || no credit score required
✔︎
No fee on international transactions
✔︎
Complimentary Emergency Roadside Assistance (RSA) package worth ₹1399
Annual Fee

₹0

Minimum Income

Not required, since the card is issued against a fixed deposit

Annual Fee Offers
  • Nil

LIFETIME FREE CARD, WITH A RANGE OF BENEFITS

IDFC First Millennia Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee. Welcome offer of more than ₹500
✔︎
Complimentary railway lounge access - 4 times per quarter
✔︎
25% discount on movie tickets (up to ₹100), on Paytm Mobile App (valid once per month)
✔︎
Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
Annual Fee

₹0

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 90 days of card generation.

BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH

IDFC HPCL First Power Credit Card

Our Rating 4.0
Top Reasons to Choose
5%
Benefit on HPCL fuel purchases upto ₹5000 per month
2.50%
Benefit on grocery purchases & utility bills, only on total purchases upto ₹2000 per month
2.50%
Benefit on FASTag recharge, only on upto ₹1000 of recharges per month
✔︎
Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
Annual Fee

₹199

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer worth ₹250
  • Renewal offer : Renewal fee waived at ₹50,000 yearly card spend

LIFETIME FREE CARD OFFERING A RANGE OF BENEFITS || LOW MINIMUM INCOME REQUIREMENTS

IDFC FIRST Classic Credit Card

Our Rating 3.75
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary railway lounge access – 4 times per quarter
✔︎
25% discount (upto ₹100) on movie tickets at Paytm - 1 time per month
✔︎
Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
Annual Fee

₹0

Minimum Income

₹3 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 90 days of card generation.

LIFETIME FREE CARD OFFERING A RANGE OF BENEFITS

IDFC FIRST Select Credit Card

Our Rating 3.50
Top Reasons to Choose
✔︎
Lifetime free card – zero annual fee
✔︎
Complimentary domestic airport lounge access – 4 times per quarter
✔︎
Complimentary railway lounge access – 4 times per quarter
✔︎
Movie benefits – BOGO (‘Buy one, get one’) offer at Paytm Movies, upto ₹250 per month
Annual Fee

₹0

Minimum Income

₹12 lakhs per year

Annual Fee Offers
  • Welcome offer : Welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.

IDFC Credit Card Offers

IDFC First Bank Credit Cards come with a wide range of offers and rewards. Some of the popular IDFC Credit Card offers are -

  • IDFC First Bank Credit Card with airport lounge access offers
  • IDFC First Bank Credit Card with railway lounge access offers
  • IDFC First Bank Credit Card with shopping offers
  • IDFC First Bank Credit Card with travel offers
  • IDFC First Bank Credit Card with annual fee offers
  • IDFC First Bank Credit Card with golf offers

Exclusive offers on IDFC First Credit Cards

IDFC First offers exclusive deals on shopping, travel, dining, health & wellness, entertainment and more. 

Please click here to see the latest offers – IDFC First Deals & Offers.

IDFC First Credit Card Benefits 

One of the most popular IDFC First Credit Card benefits is the lifetime free credit card offer on many of the IDFC Credit Cards. 

Another popular benefit is the 10X rewards program on many of the IDFC Credit Cards. Under this program, you get 10 times the basic rewards points, above a certain monthly card spend threshold. 

Which is the best IDFC First Bank Credit Card?

The best card depends on many factors. It depends on your personal circumstances like income, credit score and more. It also depends on your spending patterns and preferences. For example, some credit cards may offer higher rewards on certain types of credit card spends. 

On this page, we have given detailed information on various IDFC Credit Cards, based on which you can make an informed choice.

Popular IDFC First Bank Credit Cards

IDFC First Select Credit Card 

IDFC First Select Credit Card is a popular card from IDFC First. IDFC First Select Credit Card is a lifetime free credit card. It offers 10X rewards program on monthly card spends above ₹20000. It also offers complimentary access to domestic airport & railway lounges, Buy One Get One Free offer at Paytm movies, and a variety of complimentary insurance covers. You can get more details on the IDFC First Select Credit Card by scrolling above on this page. 

IDFC First Classic Credit Card 

IDFC First Classic Credit Card is a another popular card from IDFC First. IDFC First Classic Credit Card is a lifetime free credit card. It offers 10X rewards program on monthly card spends above ₹20000. It also offers complimentary access to domestic railway lounges, movie discounts at Paytm movies, and a variety of complimentary insurance covers. You can get more details on the IDFC First Classic Credit Card by scrolling above on this page.

How can I apply for IDFC Credit Card? 

You can apply for IDFC Credit Card online or offline.

Apply for IDFC Credit Card Online 

You can apply for IDFC Credit Card online, by clicking the APPLY NOW button provided against each of the IDFC First Credit Cards on this page. You shall be taken to the credit card application page on the IDFC First Bank website. 

You can also visit the official website of IDFC First Bank, and fill out the respective credit card application form. 

The IDFC First Credit Card online card application process is simple and convenient. You need to fill out some some basic personal details, professional details, followed by KYC process. Once this is done, you shall receive your physical card in a few working days.

Apply for IDFC Credit Card Offline 

You can also apply for IDFC Credit Card offline, by visiting any of the nearest IDFC First Bank branches. They shall help you complete the credit card application process.

Eligibility criteria for getting an IDFC First Bank Credit Card

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the IDFC First Credit Card, there are certain basic criteria that all applicants must fulfil.

  • Minimum age : 18 years 
  • Income : Stable source of income. Minimum income requirements are given for most credit cards
  • Credit score : A credit score of 750 or more is generally preferable

Documents required to apply for an IDFC First Bank Credit Card

Some of the basic documents required are-

– PAN card
– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof
– Income documents : salary slip, income tax return

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

How can I track my IDFC First Bank Credit Card application? 

After you have applied for an IDFC First credit card, you can track your credit card application status by clicking here – IDFC First Credit Card Application Status, and entering some basic personal details like application reference number, date of birth, mobile number. 

IDFC First Bank Credit Card Fees & Charges

Please find below some important fees and charges of IDFC First Credit Cards.

Annual charges or annual fee

Many credit cards charge a fee every year just for having the card, a first year annual fee which is often called joining fees, and then an ongoing annual fee from the 2nd year onwards. Premium credit cards usually charge a higher annual fee, but tend to offer higher rewards, as well as other perks such as complimentary access to airport lounges, complimentary access to railway lounges in India, complimentary premium memberships to airline and hotel loyalty programs, golf privileges, a variety of complimentary insurance benefits including travel health insurance, and more

While many people do not like paying an annual fee, the benefits can far surpass the costs if you use many of the card’s extra features or accumulate a lot of rewards or cash back. It is important to assess whether the annual fee justifies the benefits before making a decision.

Interest rates

Interest is charged on any unpaid balance beyond the due date of your credit card bill. Interest is also charged on any cash advance amounts. Cash advances occur when you use your credit card to withdraw cash from ATMs.

Late payment fee 

Failure to pay the minimum amount due on your credit card, by the bill due date results in a late payment fee. Frequent late payments may affect your credit rating. Additionally, you will be charged interest on your total outstanding card balance, as explained in the previous section.

Cash withdrawal

You can use your IDFC First Credit Card to withdraw cash from ATMs. The amount you can withdraw depends on your card type and the predetermined cash advance limit.

When you withdraw cash using your credit card, the bank will charge interest on the withdrawn amount, immediately from the day you withdraw cash, till the day this amount is repaid in full. Unlike regular card transactions, there is no interest free grace period on cash withdrawals, you start accumulating interest charges immediately on cash withdrawal.

Foreign currency transaction fee

This fee is charged on the value of international card transactions. This is a fee charged by the card issuer to convert any transactions in foreign currency into Indian rupees. This is usually around 3.50% of the card transaction amount, on select cards especially premium cards this fee can be reduced which allows more savings when you spend while traveling abroad.

For important terms and conditions, and more details on fees & charges of all IDFC First Credit Cards, please click here – IDFC First Credit Card Fees & Charges

Best Credit Cards

Please see below some of the best credit cards on offer-

Best travel cards || Best shopping cards || Best cashback cards || Best Points & Rewards cards || Best professional cards || Best fixed deposit cards || Best health & fitness cards