What makes IDFC FIRST Bank credit cards stand out in India?

IDFC FIRST Bank revolutionised the Indian credit card market with several industry-first benefits: 1) Unconditional Lifetime Free (LTF) terms on flagship cards like Millennia, Classic, Select, and Wealth; 2) Dynamic low APR interest rates starting from just 0.75% per month (9% p.a.) based on credit bureau score; 3) Up to 48 days of interest-free ATM cash withdrawals with only a nominal ₹250 flat fee; 4) Never-expiring reward points that can be converted directly into statement cash credit at ₹0.25 per point with no redemption convenience charges; and 5) True 0% forex markup on secured cards like FIRST WOW! and WOW! Black.

How does the dynamic interest rate (Dynamic APR) work on IDFC credit cards?

Unlike conventional Indian banks that levy a rigid 42% to 45% annual finance charge on all cardholders regardless of creditworthiness, IDFC FIRST Bank uses dynamic credit-score-based APR pricing ranging from 9% to 42% per annum (0.75% to 3.50% per month). Responsible cardholders with stellar credit histories and CIBIL scores above 780 enjoy financing rates as low as 9% p.a., drastically lowering interest costs if revolving balances occur.

How does the interest-free ATM cash advance work on IDFC FIRST credit cards?

Most credit cards in India charge exorbitant finance charges (3.5% to 3.75% per month) immediately from the day you withdraw cash at an ATM, plus a 2.5% fee. IDFC FIRST Bank provides an interest-free period of up to 48 days on domestic and international ATM cash advances. You only pay a flat, transparent processing fee of ₹250 + GST per withdrawal, making it an invaluable safety net during cash emergencies.

How do IDFC FIRST Reward Points work and what is their redemption value?

IDFC FIRST Bank reward points never expire and have no redemption convenience fees. 1 Reward Point is worth ₹0.25 (100 points = ₹25). Points can be redeemed instantly for statement credit (cash adjustment on your bill), flight and hotel bookings, or gift cards across leading retail brands via the IDFC FIRST Bank mobile app.

Which IDFC FIRST Bank credit cards offer 0% or low Foreign Currency (Forex) Markup?

The IDFC FIRST WOW! Credit Card and FIRST WOW! Black Metal Card feature true 0.00% foreign exchange markup on all international purchases, saving travelers 3.5% to 4.13% on overseas transactions. The ultra-premium FIRST Private Card also offers zero forex markup. Cards like FIRST Mayura, FIRST Ashva, and FIRST SWYP offer heavily subsidized forex markups of 1.0% to 1.5%, while IDFC FIRST Select and Wealth offer 1.99% forex markups.

What are the airport and railway lounge access rules on IDFC FIRST credit cards?

IDFC FIRST Bank provides complimentary airport and railway lounge access across several tiers. For mid-tier and premium cards like FIRST Select, Wealth, Ashva, and Mayura, domestic airport lounge access (1 to 4 visits per quarter) is unlocked by spending ₹20,000 or more in the previous calendar month. Cards like IDFC FIRST Millennia and Classic offer 4 complimentary railway lounge visits per quarter across major Indian railway junctions with zero prior spend conditions.

Can I link IDFC FIRST Bank credit cards to UPI apps like Google Pay, PhonePe, and Paytm?

Yes! Any IDFC FIRST credit card issued on the RuPay network—including the FIRST Digital RuPay Credit Card, FIRST EA₹N RuPay Credit Card, IDFC FIRST HPCL Power/Power+ RuPay, and IndiGo IDFC FIRST Dual Card—can be linked directly to Google Pay, PhonePe, Paytm, or BHIM. This allows cardholders to scan any merchant QR code across India and pay directly from their credit card line with up to 48 days interest-free credit while earning reward points.

How does the IDFC FIRST WOW! Credit Card work without income proof or CIBIL score?

The IDFC FIRST WOW! card is a 100% digital, secured credit card issued against an IDFC FIRST Bank Fixed Deposit (minimum deposit starting from ₹2,000). It requires zero salary slips, no ITR proofs, and no prior credit history. Approval is 100% guaranteed, your underlying fixed deposit continues to earn high interest rates (up to 7.5%+ p.a.), and your monthly card repayments are reported to CIBIL and Experian, allowing students, homemakers, and freelancers to build a 750+ credit score.

What are the movie ticket discounts and BOGO perks on IDFC FIRST credit cards?

IDFC FIRST Bank offers generous movie ticket perks: 1) IDFC FIRST Millennia and Classic provide 25% off up to ₹100 once a month on the District / Paytm app; 2) IDFC FIRST Select offers Buy 1 Get 1 Free up to ₹125 twice a month; 3) IDFC FIRST Wealth offers Buy 1 Get 1 Free up to ₹250 twice a month (up to ₹500 monthly savings); 4) FIRST Ashva and Mayura offer Buy 1 Get 1 Free tickets up to ₹500 on BookMyShow.

What are the late payment charges and MITC fees on IDFC FIRST Bank credit cards?

According to IDFC FIRST Bank MITC (Most Important Terms and Conditions), late payment charges are tiered: Nil for balances up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹750 for ₹5,001–₹10,000; ₹900 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; and ₹1,300 for outstanding balances exceeding ₹50,000. All late payment fees and service charges attract 18% GST.

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Showing 1–6 of 18 IDFC Bank cards • Page 1 of 3

IDFC FIRST Millennia Credit Card

Visa • Young Lifestyle & Online Rewards

FeeNil (Lifetime Free)

Rewards10X reward points

100% Lifetime Free card with zero annual or renewal charges, no minimum-spend condition.
10X reward points on dining, travel and international spends from the first transaction (from 18 Jun 2026).

Best Secured Card in India

IDFC FIRST WOW! Credit Card (FD-Backed)

Visa • Secured & Zero-Forex Travel

FeeNil (Lifetime Free)

Rewards0% forex markup +

True 0.00% zero foreign currency markup on all international transactions and websites.
Issued instantly against an IDFC FIRST Bank Fixed Deposit (minimum ₹20,000).

Popular Mid-Tier Lifestyle

IDFC FIRST Select Credit Card

Visa • Premium Lifestyle & Travel

FeeNil (Lifetime Free)

Rewards10X reward points

Zero forex markup on all international spends (effective 9 Sep 2026).
Buy 1 Get 1 movie ticket every month, subject to ₹20,000 spend in the previous calendar month.

Best Lifetime Free Luxury Card

IDFC FIRST Wealth Credit Card

Visa • Affluent Travel & Golf

FeeNil (Lifetime Free)

Rewards10X reward points

100% Lifetime Free card with zero annual fee and zero forex markup.
1 complimentary domestic and 1 international airport lounge visit every quarter (₹20,000 previous-month spend condition).

Reliable Everyday LTF

IDFC FIRST Classic Credit Card

Visa • Everyday Household Retail

FeeNil (Lifetime Free)

Rewards10X reward points

100% Lifetime Free card with zero annual or renewal charges.
25% discount on movie tickets on District / Paytm (up to ₹100 once a month).

Best for Subscriptions & EMI

FIRST SWYP Credit Card

Visa • Gen-Z Digital Lifestyle

Fee₹499 + GST

RewardsMonthly spend-mile

Zero forex markup on international shopping and SaaS apps (effective 9 Sep 2026).
Flat-fee EMI conversion options on high-ticket purchases.

Showing 1–6 of 18 IDFC Bank cards (Page 1 of 3)

Side-by-Side Comparison Matrix

Key IDFC Bank Cards at a Glance

Compare fees, maximum reward yields, airport lounge perks, and waiver milestones across flagship IDFC Bank cards side by side.

Comparing 18 cards

Side-by-side view (18 cards)← Swipe horizontally →

Card SpecsComparison	Best Lifetime Free Luxury Card IDFC FIRST Wealth Credit Card Affluent Travel & Golf	Best for UPI Micro-Spends FIRST Digital RuPay Credit Card Virtual UPI & Daily QR Payments	1% UPI Cashback on FD FIRST EA₹N RuPay Credit Card (FD-Backed) Secured UPI Cashback	MSME Expense Manager FIRST Business Credit Card MSME & Commercial Working Capital	Best Secured Card in India IDFC FIRST WOW! Credit Card (FD-Backed) Secured & Zero-Forex Travel	Popular Mid-Tier Lifestyle IDFC FIRST Select Credit Card Premium Lifestyle & Travel	Most Popular Lifetime Free Card IDFC FIRST Millennia Credit Card Young Lifestyle & Online Rewards	Best for Subscriptions & EMI FIRST SWYP Credit Card Gen-Z Digital Lifestyle	Best Fuel Value-Back Card IDFC FIRST HPCL Power+ Credit Card Fuel, FASTag & Utilities	Reliable Everyday LTF IDFC FIRST Classic Credit Card Everyday Household Retail	0% Forex Luxury Metal Flagship IDFC FIRST Mayura Credit Card Super-Premium Metal Travel	Budget Fuel Pick IDFC FIRST HPCL Power Credit Card Affordable Fuel & Transit	Metal Travel Pick IDFC FIRST Ashva Credit Card Premium Metal Travel	2% Online Cashback on FD IDFC FIRST Quantum+ Credit Card (FD-Backed) Secured Shopping Cashback	Secured Zero-Forex Dual Card FIRST WOW! Black Credit Card (FD-Backed) Secured Dual-Card Travel	Dual Network Airline Card IndiGo IDFC FIRST Dual Credit Card Aviation, Travel & Dual Network	Airline Co-Branded Flyer Club Vistara IDFC FIRST Credit Card Aviation & Airline Rewards	By-Invitation Metal UHNI FIRST Private Credit Card Ultra-Luxury Private Banking
Annual FeePer year	Nil (Lifetime Free)	₹199 + GST	₹499 + GST	₹999 + GST (2nd year onwards)	Nil (Lifetime Free)	Nil (Lifetime Free)	Nil (Lifetime Free)	₹499 + GST	₹499 + GST	Nil (Lifetime Free)	₹5,999 + GST	₹199 + GST	₹2,999 + GST	Nil (Lifetime Free)	₹750 + GST (2nd year onwards)	₹4,999 + GST	₹4,999 + GST	₹25,000 + GST
Joining FeeOne-time fee	Nil (Lifetime Free)	₹199 + GST	Nil (Promotional ₹0 joining fee) / ₹499 + GST	₹499 + GST (introductory offer; standard ₹999 + GST)	Nil (Lifetime Free)	Nil (Lifetime Free)	Nil (Lifetime Free)	₹499 + GST	₹499 + GST	Nil (Lifetime Free)	₹5,999 + GST	₹199 + GST	₹2,999 + GST	Nil (Lifetime Free)	₹750 + GST	₹4,999 + GST (Or ₹0 with a minimum ₹50,000 Fixed Deposit; one bank FAQ cites ₹1,00,000)	₹4,999 + GST	₹50,000 + GST
Waiver SpendAnnual milestone	Lifetime Free unconditionally	No spend-based waiver; the ₹199 fee does not apply when issued with FIRST WOW!	Waived on annual spends of ₹1,00,000 or more	No spend-based waiver listed on the bank's product page	Lifetime Free unconditionally	Lifetime Free unconditionally	Lifetime Free unconditionally	Annual fee waived on 1 successful referral under the SWYP referral programme	Waived on annual spends of ₹1,50,000 or more	Lifetime Free unconditionally	No annual fee waiver; compensated with 15,000 Reward Points on spending ₹15,00,000 annually	Waived on annual spends of ₹50,000 or more	No annual fee waiver; compensated with 7,500 Reward Points on spending ₹8,00,000 annually	Lifetime Free unconditionally	Annual fee waived on annual spends of ₹1,50,000	No spend-based waiver; compensated with 5,000 IndiGo BluChips and meal vouchers annually	No annual spend waiver; compensated with flight tickets upon renewal	No spend-based waiver (spend-based milestone benefits discontinued 17 Jul 2026)
Reward RateTop cashback & perks	10X reward points on dining, travel and international spends from the first transaction + zero forex markup, with zero annual fees	Up to 3X reward points on merchant UPI scan & pay transactions (points valid for 24 months as per the primary card)	1% cashback on all UPI spends via IDFC app backed by a Fixed Deposit	Two variants (Low Interest or High Reward Points) with up to 4X points and up to 3X on UPI spends	0% forex markup + up to 4X reward points on online, offline and international spends, backed by a Fixed Deposit	10X reward points on dining, travel, international and birthday spends + zero forex markup with Lifetime Free benefits	10X reward points on dining, travel and international spends from the first transaction; points valid for 24 months	Monthly spend-milestone reward points + flat-fee EMI conversion + zero forex markup	Up to 6.5% savings on HPCL fuel + 5% on groceries, utilities & FASTag	10X reward points on dining, travel and international spends with zero annual fees; points valid for 24 months	True 0% Forex markup + up to 10X points and rich travel portal rewards on metal	Up to 5% savings on HPCL fuel purchases and IDFC FIRST FASTag recharge	Up to 10X reward points + zero forex markup on a crafted metal card	Up to 2% cashback on online shopping and 1% on in-store spends	0% forex markup + up to 16.7% bonus reward points on app travel bookings, backed by a Fixed Deposit	0% Forex markup + earn IndiGo BluChips with dual Mastercard & RuPay cards	Up to 6 CV Points per ₹200 spent + complimentary Premium Economy flight tickets	0% Forex markup + uncapped 10X points and 0% interest on global cash withdrawals
Airport LoungeTerminal access	1 complimentary domestic airport lounge visit per quarter (Int: 1 complimentary international airport lounge visit per quarter)	Not available	Not available	2 complimentary airport lounge visits per quarter (domestic or international) (Int: Included in the same quota of 2 visits per quarter)	Not available	1 complimentary domestic airport lounge visit per quarter (4 per year), plus 4 complimentary railway lounge visits per quarter	4 complimentary railway lounge visits per quarter; no airport lounge access	4 complimentary railway lounge visits per quarter; 4 domestic airport lounge visits (valid 1 year) only via the referral programme at 10 successful referrals	4 complimentary domestic airport lounge visits per calendar year (1 per quarter)	4 complimentary railway lounge visits per quarter across India	16 complimentary Indian airport lounge visits per year (max 4 per quarter, including 1 guest visit) (Int: 16 complimentary international lounge visits per year via Priority Pass (max 4 per quarter))	Not available	16 complimentary domestic airport lounge and spa visits per year (max 4 per quarter) (Int: 8 complimentary international lounge visits per year via Priority Pass (max 2 per quarter))	Not available	4 complimentary domestic airport lounge visits per year	Not available (golf privileges only)	8 complimentary domestic airport lounge visits per calendar year (2 per quarter) (Int: 4 complimentary international lounge visits per calendar year via Priority Pass (1 per quarter))	Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders, plus 4 complimentary guest visits per year; unlimited railway lounge access (Int: Unlimited complimentary international lounge visits for primary and add-on cardholders)
Forex MarkupInt'l currency	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	0.00% (Zero Forex Markup, effective 9 Sep 2026)	2.99% + GST	0.00% (Zero Forex Markup, effective 9 Sep 2026)
Best Suited ForTarget category	High earners and frequent flyers seeking quarterly domestic and international lounge access and zero forex fees without an annual fee.	Existing IDFC cardholders wanting a dedicated virtual RuPay card for daily QR scan-and-pay UPI transactions.	First-time credit card users and UPI spenders wanting straightforward cashback without credit score checks.	Small enterprise owners, traders, and sole proprietors managing monthly supplies and commercial utilities.	Students studying abroad, international online shoppers, and credit builders seeking 0% forex fees.	Mid-to-senior corporate employees seeking a domestic airport lounge each quarter, movie BOGO, and zero forex fees without an annual fee.	First-time cardholders, millennials, and online shoppers wanting a reliable, fee-free daily driver.	Gen-Z spenders and young professionals managing app subscriptions, food orders, and overseas digital tools.	Daily vehicle commuters and car owners refueling frequently at HPCL petrol pumps.	Tier 2/3 branch walk-in applicants and everyday families wanting a zero-maintenance credit card.	Frequent luxury travelers and overseas spenders looking for 0% forex fees and metal card prestige.	Two-wheeler riders and modest commuters seeking lower annual fees with fuel savings and UPI convenience.	Frequent travelers and movie enthusiasts wanting a premium metal card with zero forex markup.	E-commerce shoppers and students wanting online cashback without income documentation.	Students, first-time cardholders and travellers wanting a 0% forex card with domestic lounge access, backed by a Fixed Deposit.	Frequent flyers on IndiGo wanting 0% forex fees, flight meal perks, and RuPay UPI flexibility.	Frequent business and leisure flyers seeking complimentary flight ticket vouchers and airline tier perks.	High-net-worth clients requiring unlimited global lounge access, zero forex fees, and VIP airport services.
ActionDigital application

OFFICIAL PARTNER PERKS & PRIVILEGES

Why Choose IDFC Bank Credit Cards?

100% Lifetime Free Cards, Never-Expiring 10X Points & Dynamic 9% APR

IDFC FIRST Bank revolutionized the Indian credit card industry with an unconditional Lifetime Free promise across its flagship lineup. Offering points that never expire, dynamic interest rates starting as low as 9% per annum, 0% interest on ATM cash withdrawals until the due date, and complimentary quarterly airport lounge and spa sessions, IDFC credit cards deliver premium benefits with zero annual fee anxiety.

Top Reward Rate

Up to 10X Points (Milestone & Birthday Spends)

IDFC FIRST Reward Points (Never Expire)

Airport Lounges

Complimentary access

Domestic & Global Access

RuPay UPI

Scan & Pay Active

Up to 50 days float

Forex Markup

0.00% (Mayura), 1.00% (Ashva), 1.99% (Wealth)

International Travel

Fee Waivers

Lifetime Free unconditionally across Classic, Millennia, Select, Wealth

Spend waiver milestone

₹0 Annual Fee Forever

100% Lifetime Free Forever (Zero Hidden Fees)

Enjoy elite credit card privileges with absolute peace of mind: zero joining fee and zero annual renewal fee forever across IDFC's core lineup.

Zero joining fee and zero annual fee unconditionally on FIRST Classic, Millennia, Select, and Wealth
No minimum annual spend required to keep the card free for life
Free add-on cards for family members with independent credit limits and zero annual charges
No annual renewal fee shocks or retroactive fee billing surprises

Ideal For

Spenders who despise annual fee maintenance requirements.

Points Never Expire

Never-Expiring 10X Reward Points

Earn reward points that stay with you forever, featuring 10X reward multipliers on monthly milestone spends and birthdays.

Points never expire; accumulate over a decade without fear of point devaluation or expiration
10X reward points on all incremental spends crossing the monthly threshold (e.g. ₹20,000 or ₹30,000)
10X reward points on all transactions conducted on your birthday
Redeem points directly on merchant checkout screens at ₹0.25 per point like real cash

Ideal For

High-value spenders who appreciate evergreen reward points that never expire.

From 0.75% per Month

Dynamic Low Interest Rates (Starting from 9% APR)

Ditch conventional 42%-48% APR credit card interest rates: IDFC calculates dynamic APR starting as low as 9% per annum.

Dynamic interest pricing ranges from 9% to 36% p.a. (0.75% to 3.0% per month) based on creditworthiness
Save up to 75% on interest expenses compared to rigid competitor interest charges
Transparent interest calculation with zero hidden finance charges
Flexible repayment tenures and instant EMI conversion through the IDFC FIRST mobile app

Ideal For

Cardholders who occasionally revolve balances and want to avoid predatory interest charges.

0% Interest on Cash

Interest-Free Cash Withdrawals at ATMs

A feature unique in the Indian card industry: withdraw cash from ATMs with 0% interest until the due date (up to 48 days float).

Zero interest charged on ATM cash withdrawals up to 48 days until the payment due date
Only a nominal flat transaction fee applies (₹199), unlike other banks that charge 3.5% monthly interest from day one
Instant emergency liquidity at any ATM across India and internationally
High cash advance limits linked to your overall card limit

Ideal For

Cardholders wanting an emergency cash safety net without compounding interest penalties.

Lounges + Free Spa

Airport Lounges & Free Quarterly Spa Sessions

Pamper yourself before departure with complimentary domestic airport lounge access and refreshing quarterly airport spa sessions.

Up to 4 complimentary domestic airport lounge visits per quarter on First Select and First Wealth
Complimentary airport spa sessions per quarter at participating domestic terminals on First Wealth
Up to 4 complimentary railway executive lounge visits per calendar quarter
International lounge visits via DreamFolks / Priority Pass on premium variants

Ideal For

Travelers seeking airport relaxation and wellness perks.

BOGO Movies + RSA

Movie BOGO & 24/7 Roadside Assistance

Enjoy Buy 1 Get 1 Free cinema passes every month, plus complimentary nationwide emergency roadside assistance for your car.

Buy 1 Get 1 Free movie tickets up to ₹250 off on Paytm Movies / BookMyShow twice a month on First Select
Buy 1 Get 1 Free movie tickets up to ₹500 off twice a month on First Wealth
Complimentary roadside assistance (RSA) worth ₹1,399 covering flat tires, towing, fuel delivery, and jump-starts
Comprehensive travel insurance and lost card liability coverage up to ₹50,000

Ideal For

Car owners, cinema fans, and weekend spenders.

Reward Ecosystem Deep Dive

IDFC FIRST Evergreen Rewards Hub

3X points on offline spends; 6X on online spends; 10X on incremental spends crossing monthly threshold

Redemption Valuation

1 Reward Point = ₹0.25 (1:1 value on shopping carts; points never expire)

Key Accelerated Merchant Partners

All online e-commerce transactions (6X base points)Spends above ₹20,000 or ₹30,000 per month (10X accelerated points)Birthday Spends (10X accelerated points)BookMyShow & Paytm MoviesSelect Luxury Hotel Chains

Redemption Channels

Instant Point-to-Cash deduction during online shopping checkout carts
Redeem for Flight and Hotel Bookings directly on the IDFC FIRST travel portal
E-Gift Vouchers for Amazon, Flipkart, Myntra, and top retail brands
Direct statement cash credit

Lounge Access & Waiver Policies

Airport Lounge Privileges & Spend Thresholds

Complimentary airport terminal relaxation guidelines, quarterly spend requirements, and annual fee reversal milestones.

Domestic Lounges

Up to 4 complimentary domestic airport lounge visits per calendar quarter on First Select, First Wealth, and First Private cards.

International Access

Complimentary international airport lounge access via DreamFolks and Priority Pass networks on First Wealth and Mayura.

Fee Waiver Spend Rules

All core cards are 100% Lifetime Free unconditionally with zero joining and zero annual fee

1% fuel surcharge waiver up to ₹200 to ₹400 per month across all petrol pumps in India

Top Flagship Card Lineup

Flagship IDFC Bank Cards with These Features

Zero CIBIL Impact Soft Check

Ultra Premium Lifetime FreeLifetime Free (₹0)

IDFC FIRST Wealth Credit Card

Complimentary airport lounges + quarterly spa, 10X points, low 1.99% forex

Instant video KYC

Premium Travel & LifestyleLifetime Free (₹0)

IDFC FIRST Select Credit Card

4 free domestic lounges/quarter, BOGO movie tickets up to ₹250, 10X points

Instant video KYC

Youth & E-CommerceLifetime Free (₹0)