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IDFC FIRST Wealth Credit Card VS IDFC FIRST Classic Credit Card VS IDFC FIRST Millennia Credit Card VS IDFC FIRST Select Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 26 July 2026
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Millennia Credit Card
IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining FeeLifetime Free
Joining FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based WaiverNot Applicable
Spend Based Waiver
Spend Based WaiverNot applicable as the card is lifetime free.
Spend Based Waiver
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5% of the total transaction value.
Foreign Transaction Fees1.99% + GST (approx. 2.35% effective).
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum, depending on credit profile.
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.
Interest Rate (APR)8.5% to 46.2% p.a. based on credit score & usage.

Rewards & Benefits

Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome BonusUp to ₹1,500 in welcome benefits (₹500 gift voucher + 5% cashback on first EMI).
Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Welcome Bonus₹500 gift voucher on ₹5k spend & 5% cashback up to ₹1k on first EMI, both within 30 days.
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards Rate10X Reward Points on Dining, Travel, International, Birthday spends; 3X on others.
Rewards RateUp to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance.
Rewards Rate10X on Dining, Travel, Intl & Birthday; 3X on others; 1X on Insurance, Utilities, Railways, FASTag.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points, Cashback, Other Benefits
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge Access4 complimentary railway lounge accesses every quarter (spend condition applies).
Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
Domestic Lounge Access1 domestic airport lounge & 4 railway lounge accesses per quarter (₹20k spend/month).
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel BenefitsComplimentary roadside assistance, zero convenience fees on flight bookings via app.
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Travel Benefits10X rewards on travel, bonus points on flights/hotels via app, 300+ merchant offers.
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie Benefits25% discount on movie tickets (up to ₹100) on the District app once per month.
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Movie BenefitsBuy 1 Get 1 movie ticket offer up to ₹125, twice monthly (spend ₹20k/month).
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining BenefitsUp to 20% discount at over 1500+ restaurants.
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Dining Benefits10X rewards on dining & 300+ merchant offers.
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% waiver (up to ₹200/cycle) on transactions between ₹200 and ₹5,000.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.
Fuel Surcharge Waiver1% waiver on ₹200-₹5,000 transactions, max ₹300/cycle.

Security & Other

Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance Benefits₹2 Lakhs personal accident cover & ₹25,000 lost card liability cover.
Insurance BenefitsPersonal Accidental Cover worth ₹2 Lakh; Lost Card Liability Cover of ₹25,000.
Insurance Benefits₹1 Cr Air Accident, ₹5 L Personal Accident, ₹50k Lost Card, ₹10k Trip Cancellation, USD 300 Travel.
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
Cash Advance Charges₹199 + GST per transaction. Interest-free cash withdrawals from ATMs for up to 45 days.
Cash Advance Charges₹199 + GST per transaction; interest-free for up to 45 days.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Wealth Credit Card

IDFC FIRST Classic Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST Select Credit Card

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Who is it for?

The IDFC FIRST Classic Credit Card is a lifetime-free card offering robust privileges across lifestyle, travel, dining, and digital transactions. It provides up to ₹1,500 in welcome benefits, including a gift voucher and cashback on the first EMI. Cardholders earn up to 10X Reward Points on specific categories and enjoy complimentary railway lounge access, movie discounts, and comprehensive insurance. This card is ideal for individuals seeking a rewarding entry-level option without annual fees.

Who is it for?

The IDFC FIRST Millennia Credit Card is an entry-level, lifetime-free credit card for young individuals. It offers up to 10x non-expiring reward points on various spends, complimentary railway lounge access, and discounts on movies and dining. This card is a value-for-money option for everyday spending and domestic travel, making it ideal for young earners and trendsetters.

Who is it for?

The IDFC FIRST Select Credit Card is a lifetime free offering from IDFC FIRST Bank, providing premium privileges without annual fees. It features a low 1.99% foreign currency markup and accelerated 10X reward points on dining, travel, and international transactions. Cardholders also enjoy complimentary domestic airport and railway lounge access. This card is ideal for those seeking comprehensive travel and lifestyle benefits without recurring costs.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

Pros

Key benefits and features.

Lifetime Free: No joining or annual fees, ensuring cost-free ownership.

Attractive welcome benefits up to ₹1,500 including gift voucher and cashback.

Earn up to 10X Reward Points on dining, travel, international, and birthday spends.

Enjoy 4 complimentary railway lounge accesses, roadside assistance, and zero flight booking fees.

Monthly movie discounts and up to 20% off at over 1500+ partner restaurants.

Pros

Key benefits and features.

Lifetime free credit card with no joining or annual fees, offering great value.

Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.

Reward points never expire, ensuring long-term value and flexibility in redemption.

Earn up to 10x reward points on dining, travel, international, and birthday spends.

Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.

Pros

Key benefits and features.

Enjoy the IDFC FIRST Select Credit Card with no joining or annual fees.

Benefit from a competitive low foreign currency markup of just 1.99%.

Access complimentary domestic airport and railway lounges quarterly with this card.

Comprehensive insurance covers like air accident, personal accident, and lost card liability.

Earn reward points on unique categories like rent, education, and wallet loads, often excluded elsewhere.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

Cons

Key drawbacks and limitations.

Railway lounge access requires a minimum spend of ₹20,000 in the prior month.

A fee of ₹99 + GST is charged for each reward redemption.

A 3.5% foreign currency markup fee is applicable.

The card does not offer complimentary airport lounge access.

Cons

Key drawbacks and limitations.

The card does not offer any domestic or international airport lounge access.

A reward redemption fee of ₹99 + GST is charged for every redemption.

A foreign currency markup of 3.5% applies to all international transactions.

Cash advance charges of ₹199 + GST are applicable per transaction.

Cons

Key drawbacks and limitations.

The reward earning rate on general spending categories is considered average.

Many key benefits, including lounge access and movie offers, are now spend-based (₹20k/month).

Reward points will now expire after 24 months, a change from the previous no-expiry policy.

This card does not provide complimentary international airport lounge access.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC FIRST Wealth Credit Card(opens in new tab)Apply for IDFC FIRST Classic Credit Card(opens in new tab)Apply for IDFC FIRST Millennia Credit Card(opens in new tab)Apply for IDFC FIRST Select Credit Card(opens in new tab)