IDFC FIRST Credit Cards – Summary Table

Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

IDFC First Millennia Credit Card

APPLY NOW

₹3 lakhs per year

Fee : ₹0

Offer : Welcome offers over ₹500

₹0

Zero annual fee

Complimentary railway lounge access (upto 4 times per quarter), Emergency complimentary ‘Roadside Assistance (RSA)’ package

IDFC WOW Credit Card

APPLY NOW

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

₹0

₹0

Zero annual fee. No income proof and no credit score required since card is issued against security of your fixed deposit.

Zero fee (forex markup fee) on international transactions, zero interest charges on cash withdrawals

IDFC HPCL First Power Credit Card

APPLY NOW

₹3 lakhs per year

Fee : ₹199
Offer : Welcome offers worth over ₹1400

Fee : ₹199

Offer : Fee waived, if you spend ₹50,000 or more in the previous year

5% benefit on HPCL fuel purchases – only on purchases upto ₹5,000 per month

2.50% benefit on grocery purchases, utility bills & FASTag recharge.
Minimum Income Annual Fee – 1st Year Annual Fee – 2nd Year Onwards Special Benefits Other Important Benefits

IDFC First Millennia Credit Card

APPLY NOW

₹3 lakhs per year

Fee : ₹0

Offer : Welcome offers over ₹500

₹0

Zero annual fee

Complimentary railway lounge access (upto 4 times per quarter), Emergency complimentary ‘Roadside Assistance (RSA)’ package

IDFC WOW Credit Card

APPLY NOW

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

₹0

₹0

Zero annual fee. No income proof and no credit score required since card is issued against security of your fixed deposit.

Zero fee (forex markup fee) on international transactions, zero interest charges on cash withdrawals

IDFC HPCL First Power Credit Card

APPLY NOW

₹3 lakhs per year

Fee : ₹199
Offer : Welcome offers worth over ₹1400

Fee : ₹199

Offer : Fee waived, if you spend ₹50,000 or more in the previous year

5% benefit on HPCL fuel purchases – only on purchases upto ₹5,000 per month

2.50% benefit on grocery purchases, utility bills & FASTag recharge.

IDFC FIRST Credit Cards – More Details

BEST FOR - NO ANNUAL FEE
IDFC First Millennia Credit Card
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on IDFC First Bank website
Compare this Card
IDFC First Millennia Credit Card
Our Rating      4.0
Rewards Rate
1%
On all online purchases upto ₹20,000 per month
0.50%
On all offline purchases upto ₹20,000 per month
1.66%
On all online purchases above ₹20,000 per month
1.66%
On all offline purchases above ₹20,000 per month
✔︎
Complimentary railway lounge access (upto 4 times per quarter)
Annual Fee

₹0

Annual Fee Offers

✓ Welcome offer : You get a welcome voucher worth ₹500, by spending ₹5000 or more within 90 days of card generation.

Minimum Income

₹3 lakhs per year


Lifetime free card – zero annual fee : No annual fee is charged on your card

Welcome benefits:
– You get a welcome voucher worth ₹500, by spendi

Lifetime free card – zero annual fee : No annual fee is charged on your card

Welcome benefits:
– You get a welcome voucher worth ₹500, by spending ₹5,000 or more within 90 days of card generation.
– You enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI completed within 30 days of card generation.

Complimentary railway lounge access : You get upto 4 free railway lounge visits per quarter

1% benefit on all online spends – till ₹20,000 monthly spend : You earn 4 reward points worth ₹1 , on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

0.50% benefit on all offline spends – till ₹20,000 monthly spend : You earn 2 reward points worth 50 paise , on every ₹100 you spend on your card (since 1 reward point = ₹0.25 or 25 paise)

1.66% benefit on ALL spends – above ₹20,000 monthly spend : You earn 6.66 reward points worth ₹1.66 (one rupee sixty six paise) , on every ₹100 you spend in this category (since 1 reward point = ₹0.25 or 25 paise)

Movie ticket discount : You get 25% discount on movie tickets (up to ₹100), on Paytm Mobile App (valid once per month)

Various insurance covers
– You get a ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for online purchases on your IDFC FIRST Bank Millennia Credit Card.
– You receive a ₹2 lakh ‘personal accident cover’, in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Attractive program on ‘cash advances’
– Zero interest charges on cash withdrawals, but a cash withdrawal fee of ₹199 is charged on each cash withdrawal
– 100% of FD amount is available as a cash withdrawal limit, in case you need emergency funds at any time

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Benefits-
– The card is a good choice for those who value the simplicity of a lifetime free card
– The First Millennia credit card offers a range of benefits like complimentary roadside assistance, complimentary insurance covers, complimentary railway lounge which is a unique benefit not available in most other cards

Drawbacks
– The basic reward rate of 0.50% – 1%  on retail purchases is quite low compared to some of best reward cards available in the marketplace

To read the full review of the card , please click here

Best for - no annual fee
IDFC WOW Credit Card
APPLY NOW
on IDFC First Bank website
Compare this Card
IDFC First WOW! Credit Card
Our Rating      4.0
Rewards Rate
0.66%
On all spends
✔︎
No fee on international transactions
✔︎
Complimentary Emergency Roadside Assistance (RSA) package worth ₹1399
Annual Fee

₹0

Annual Fee Offers

Nil

Minimum Income

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


Guaranteed instant approval card against fixed deposit – no income proof, no credit score required :
– Minimum fixed deposit amount – ₹2,000 for IDFC First Bank c

Guaranteed instant approval card against fixed deposit – no income proof, no credit score required :
– Minimum fixed deposit amount – ₹2,000 for IDFC First Bank customers, ₹5,000 for all others
– Minimum 100% credit limit against your fixed deposit.

Lifetime free card – zero annual fee : No annual fee is charged on your card

0.66% benefit on all spends : You earn 2.66 reward points worth 66 paise , on every ₹100 you spend on your card (since 1 reward point = 25 paise)
Exceptions :
– No reward points are given on on fuel purchases, EMI transactions & cash withdrawals
– 0.16% benefit on insurance spends & utility bill payments : You earn 0.66 points worth 16 paise , on every ₹100 you spend on insurance spends & utility bill payments.

Zero forex transaction fee : You enjoy zero fee on international transactions. Most other entry level cards charge around 3.50% forex markup fee, hence this is a valuable benefit for those who travel abroad frequently

Fuel surcharge waiver : You get a 1% fuel surcharge waiver , at all fuel stations across India – on fuel purchases upto ₹20,000 per month (since the waiver amount is capped at ₹200 per monthly card statement cycle)

Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399 : You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure. You can avail this benefit up to 4 times a year. To know more details, visit here.

Various insurance covers –
✓ You get a ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
✓ You receive a ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
–Claim under this cover is payable only once, irrespective of the number of cards held by the cardholder.

Attractive program on cash advances :
– Zero interest charges on cash withdrawals, but a cash withdrawal fee of ₹199 is charged on each cash withdrawal
– 100% of FD amount is available as a cash withdrawal limit, in case you need emergency funds at any time

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Benefits
– This card is ideal for individuals who may not have regular income AND/OR for those who do not have a good credit history – like students, first jobbers, homemakers, gig economy workers, senior citizens, travellers, and self-employed individuals. Hence it is a good starter card for beginners who are starting or rebuilding their credit journey.
– Credit card is lifetime free
– Zero forex conversion fee

Drawbacks to consider
– Low reward rate of 0.66%

To read the full review of the card , please click here

BEST FOR FUEL SPENDS UPTO ₹5,000 PER MONTH
IDFC HPCL First Power Credit Card
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on IDFC First Bank website
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IDFC HPCL First Power Credit Card
Our Rating      4.0
Rewards Rate
5%
Special benefit on HPCL fuel purchases , only on fuel purchases upto ₹5,000 per month
2.50%
Special benefit on grocery purchases & utility bills , only on purchases upto ₹4,000 per month in this category
2.50%
Special benefit on FASTag recharge , only on upto ₹2,000 of recharges per month.
0.33%
Basic benefit on all other spends
Annual Fee

₹199

Annual Fee Offers

✓ Welcome offers worth over ₹1400 : ₹250 cashback on doing the 1st fuel transaction of ₹250 or above at any HPCL fuel station (within 30 days of card issuance). 5% cashback (up to ₹1,000) on the transaction value of 1st EMI conversion (within 30 days of card issuance). ₹150 discount on order above ₹500 on Swiggy, and ₹500 discount on ZoomCar rentals

✓ Renewal offer : Renewal fee is not charged from the 2nd year onwards, if you spend ₹50,000 or more in the previous year

Minimum Income

₹3 lakhs per year


5% earning on HPCL purchases (fuel & LPG)
– 2.50% special benefit on HPCL fuel purchases : You earn 10 reward points worth ₹2.50, on every ₹100

5% earning on HPCL purchases (fuel & LPG)
– 2.50% special benefit on HPCL fuel purchases : You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps – only on fuel purchases upto ₹5,000 per month
– Additional 1.50% benefit – on HPCL fuel purchases through HP Pay App : You earn additional 6 Payback Points worth ₹1.50 , on every ₹100 you spend at HPCL outlets through the HP Pay app – only on fuel expenses of upto ₹5,000 per month
– 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% special benefit on grocery purchases & utility expenses : You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on grocery & utility spends – only on combined total purchases of up to ₹4,000 per month in this category.

2.50% special benefit on FASTag
– You earn 10 reward points worth ₹2.50 , on every ₹100 you spend on FASTag recharges – only on upto ₹2,000 of recharges every month.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other purchases : You earn 1.33 points worth ₹0.33 (33 paise) , on every ₹100 you spend on all other purchases.
Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals

Emergency complimentary roadside assistance (RSA) package worth ₹1399
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Various insurance covers as per list below –
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means. Claim under this cover is payable only once, irrespective of the number of cards held by the cardholder.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of an accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days, using their IDFC FIRST Bank Credit Card. For details, please visit here.

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Benefits
– Attractive benefit rate of up to 5% on monthly fuel purchases
– Good benefit rate of 2.50% on grocery purchases & utility bill payments
– 1st year annual fee is fully covered by joining benefits
– Annual spend target to get renewal fees waived off is not very high (₹50,000). Hence this card is virtually free if you spend ₹50,000 or more per year
– The card also offers a range of additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
– The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
– Cardholders are restricted to HPCL pumps , to avail the attractive fuel benefits
– The monthly spend limit to achieve 2.50% benefit in the promotion category (grocery purchases & utility bill payments) is quite low

To read the full review of the card , please click here

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Travel Credit Card Details6

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehend. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehend.

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Travel Cards Details7

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehend. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehend.

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

What are Travel Cards?

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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

Pros and Cons of Travel Cards

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Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.

How to Choose a Travel Card

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Make the Most of your Travel Card

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