IDFC Bank Credit Cards
Experience next-gen banking with IDFC Bank credit cards offering innovative rewards and digital-first features.
IDFC First Millennia Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for shopping, lifestyle benefits, and high rewards earning potential, especially for those who enjoy dining, travel, and entertainment.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
1 reward point per ₹150 spent (1X).
Reward exclusions: Fuel, EMI transactions, cash withdrawals, and certain other expenses.
Pros
- Free annual fee and joining fee.
- 10X points for spending over ₹20,000/month and on your birthday.
- 6X points for online purchases and 3X points for in-store purchases (up to ₹20,000/month).
- 300+ year-round merchant offers.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- 4 complimentary railway lounge visits per quarter.
- 1% fuel surcharge waiver on fuel purchases.
- Personal Accident Coverage of ₹2,00,000.
Cons
- No reward points on fuel, EMI transactions, or cash withdrawals.
- No rewards for insurance premiums.
- Late payment fee of up to ₹1,250.
IDFC First Select Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
An ideal card for those who spend on shopping, travel, and entertainment, with great rewards on transactions over ₹20,000 monthly and a variety of lifestyle and travel benefits.
Reward Benefits
Earn 10X points for spending over ₹20,000/month and on your birthday.
Earn 3X points for online and in-store purchases (up to ₹20,000/month).
Earn 1X point for every ₹125 spent.
No rewards for fuel, EMI purchases, and cash withdrawals.
Pros
- Free annual and joining fees.
- 10X points on spending over ₹20,000/month and on your birthday.
- 3X points on online and in-store purchases (up to ₹20,000/month).
- Earn 1X point for every ₹125 spent.
- No reward points on fuel, EMI, or cash withdrawal transactions.
- Up to 20% off at 1,500+ restaurants.
- Up to 15% off at 3,000+ Health & Wellness outlets.
- Access to 300+ year-round merchant offers.
- Complimentary airport and railway lounge visits.
- Air Mishap Protection coverage up to ₹1 crore.
Cons
- No rewards for fuel, EMI, or cash withdrawals.
- Foreign transaction fee of 1.99%.
- Late payment fee can go up to ₹1,250.
IDFC First Classic Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
This card offers great rewards and benefits for spending on online and offline shopping, fuel, travel, and dining, along with additional lifestyle and insurance benefits.
Reward Benefits
10X Reward Points for monthly spending over ₹20,000 and on your birthday.
6X Reward Points for online shopping (up to ₹20,000/month).
3X Reward Points for offline transactions (up to ₹20,000/month).
1X Reward Point for every ₹150 spent.
No rewards for fuel, EMI transactions, or cash withdrawals.
Pros
- Free annual and joining fees.
- 10X Reward Points for monthly spending over ₹20,000 and on your birthday.
- 6X Reward Points for online shopping (up to ₹20,000/month).
- 3X Reward Points for offline transactions (up to ₹20,000/month).
- 1X Reward Point for every ₹150 spent.
- Up to 20% dining discounts at 1,500+ restaurants.
- 15% discounts at 3,000+ wellness centers.
- Complimentary railway lounge access (4 visits per quarter).
- Complimentary roadside assistance worth ₹1,399.
- Personal Accident Insurance coverage of ₹2,00,000.
Cons
- No rewards for fuel, EMI transactions, or cash withdrawals.
- Foreign transaction fee of 3.50%.
- Late payment fee can go up to ₹1,250.
IDFC FIRST Mayura Credit Card
Annual Fee
₹5999
APR
47.88%
Joining Fee
₹5999
Cash Advance
199%
Why Choose This Card
This card offers exclusive rewards, travel, and lifestyle benefits, including golf rounds, airport lounge access, cashback on transactions, and comprehensive insurance coverage.
Reward Benefits
10X Rewards for incremental spends above ₹20,000/month and birthday spends.
5X Rewards for spends up to ₹20,000/month.
3X Rewards for transactions above ₹2,000 on FIRST Digital Credit Card.
3X Rewards for rent, wallet load, education, and government-related spends.
1X Rewards for transactions below ₹2,000 on FIRST Digital Credit Card.
1X Rewards for utilities and insurance spends.
Pros
- 10X Rewards for incremental spends above ₹20,000/month and birthday spends.
- 5X Rewards for spends up to ₹20,000/month.
- Complimentary airport lounge access (16 domestic and 8 international visits/year).
- Complimentary railway lounge access (16 visits/year).
- Zero Forex Mark-up Fee.
- Trip cancellation cover of up to ₹50,000 for non-refundable bookings.
- 2 complimentary golf rounds/lessons per month.
- Buy-one-get-one movie benefits via BookMyShow.
- Fuel surcharge waiver (up to ₹500/month).
- Insurance benefits including air accident cover of ₹1 crore.
Cons
- High joining and annual fee of ₹5,999.
- Rewards exclusions include fuel, loan on card, cash withdrawals, EMI transactions, fees, GST, and balance transfers.
IDFC FIRST Wealth Credit Card
Annual Fee
₹0
APR
43.8%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
Opt for this card if you are a high earner seeking a lifetime free credit card with non-expiring reward points, benefits on utilities, rent, and insurance payments, low forex markup, and complimentary lounge access.
Reward Benefits
3X reward points on online and offline purchases up to ₹20,000 per month.
10X reward points on incremental spends above ₹20,000 per month.
10X reward points on birthday spends.
3X reward points on rental and property management transactions.
3X reward points on education, wallet load, and government services.
1X reward points on utility bill payments and insurance spends.
Reward Point Value: 1 RP = ₹0.25.
Exclusions: Fuel, insurance, cash withdrawals, EMI transactions (except first EMI cashback), and transactions below ₹150.
Pros
- Lifetime free credit card with no annual fee.
- Non-expiring reward points redeemable online.
- Low forex markup fee of 1.5% on international transactions.
- Complimentary airport lounge access and spa visits.
- Comprehensive travel insurance coverage.
- Buy-one-get-one movie ticket offer up to ₹250 twice a month.
- Fuel surcharge waiver of 1% on transactions between ₹200 and ₹5,000 (up to ₹400 per month).
- Access to over 300 merchant offers.
- Interest-free cash withdrawals worldwide for up to 48 days.
- EMI conversion available for transactions above ₹2,500.
Cons
- High income eligibility criteria (₹36 lakh annual ITR for self-employed).
- Reward program devaluation post-May 2024.
- Lower reward rates compared to similar cards with annual fees.
- Spends on utilities and government services no longer contribute to 10X rewards threshold.
IDFC FIRST Ashva Credit Card
Annual Fee
₹2999
APR
47.88%
Joining Fee
₹2999
Cash Advance
199%
Why Choose This Card
Opt for this card if you are a high-net-worth individual, can meet spending conditions, and travel frequently or shop both domestically and internationally. Offers a rewards-based program with exclusive benefits for frequent travellers.
Reward Benefits
10X reward points on spends above Rs. 20,000 in a billing cycle and on birthday spends.
5X reward points on spends below Rs. 20,000 in a billing cycle.
3X reward points on spends of Rs. 2,000 or more via FIRST Digital Credit Card, rent, wallet load, education, and government-related spends.
1X reward points on transactions below Rs. 2,000 via FIRST Digital Credit Card, utilities, and insurance.
Pros
- Up to 24 complimentary golf rounds/lessons annually.
- 16 complimentary domestic lounge visits annually.
- Up to 8 complimentary international lounge visits annually.
- 1% forex markup fee on international spends.
- Comprehensive travel insurance and personal accident cover.
- Exclusive Visa Infinite Privileges at 450+ global destinations.
- Up to Rs. 400 off on movie tickets twice a month.
- Annual spending-based rewards (7,500 reward points worth Rs. 1,875).
- Trip cancellation protection worth up to Rs. 25,000 for non-refundable bookings.
Cons
- Annual fee of Rs. 2,999.
- High income eligibility criteria (Rs. 12 lakh minimum annual income).
- Spend-based conditions for golf benefits and lounge access.
- Exclusions on cash withdrawals and fees/charges with GST.
IDFC FIRST WOW! Credit Card
Annual Fee
₹0
APR
9%
Joining Fee
₹0
Cash Advance
199%
Why Choose This Card
The IDFC FIRST WOW! Credit Card is a lifetime-free, FD-backed card that offers zero forex markup, making it ideal for individuals new to credit or those seeking a card with international transaction benefits.
Reward Benefits
Earn 1 reward point per ₹150 spent.
Up to 4X reward points on eligible transactions.
Reward points never expire.
Pros
- No joining or annual fees.
- Zero forex markup on international transactions.
- Earn up to 4X reward points on eligible spends.
- Complimentary roadside assistance.
- Personal accident cover up to ₹2 lakhs.
Cons
- Requires a fixed deposit with IDFC FIRST Bank.
- Reward points not applicable on fuel, insurance, EMI, and cash withdrawal transactions.
IDFC FIRST SWYP Credit Card
Annual Fee
₹499
APR
NaN%
Joining Fee
₹499
Cash Advance
NaN%
Why Choose This Card
The IDFC FIRST SWYP Credit Card offers exclusive discounts on popular brands, easy EMI conversion options, and rewards tailored for a modern lifestyle, making it ideal for individuals seeking value-added benefits on their daily expenditures.
Reward Benefits
Earn 100 reward points for every ₹5,000 UPI spend per statement month.
Pros
- Exclusive discounts on brands like Dominos, EaseMyTrip, SUGAR Cosmetics, TATA CLiQ, and Zomato.
- Easy EMI conversion with a monthly flat fee starting at ₹49 + GST.
- Complimentary railway lounge access across India.
- Opportunity to earn additional rewards through the refer and earn program.
Cons
- Joining and annual fees apply.
- Reward points have specific earning criteria based on spending milestones.