IDFC FIRST Bank Credit Cards
IDFC FIRST Bank – Zero Fee & High Reward Rate Cards
17
₹4,137
IDFC FIRST Wealth Credit Card
Reward Points, Cashback, Maharaja Points
About This Bank
IDFC FIRST Bank Credit Cards — 2026 Overview
IDFC FIRST Bank entered the credit card market with a bold value proposition: premium travel and lifestyle benefits at zero annual fee. This approach has made the bank a favourite among value-conscious millennials and frequent travellers who refuse to pay high annual fees for rewards they could access for free.
Portfolio Highlights
Entry & Everyday: FIRST Classic, FIRST Millennia — lifetime-free cards with 4X reward points on online spends, no-fee EMI conversions, and zero interest on reward point redemption. Excellent starting cards for first-time credit users.
Mid-Tier: FIRST Select — lifetime free with enhanced benefits, complimentary airport lounge access (domestic), 6X reward points on weekend dining and merchant categories, and a higher credit limit eligibility.
Premium Travel: FIRST Wealth — IDFC FIRST's flagship card. Zero forex markup, 10X reward points on international and online spends, Priority Pass with 4 complimentary international lounge visits per quarter, complimentary Dreamfolks lounge access domestically, and zero annual fee. Considered India's best lifetime-free travel card in 2026.
Fuel & Cashback: HPCL FIRST Power, HPCL FIRST Power+ — co-branded with HPCL for fuel rewards and surcharge waivers, plus 6X points on HPCL spends.
Premium Metal: FIRST Private — IDFC FIRST's ultra-premium offering with dedicated relationship banking, personalised benefits, and high reward rates for affluent customers.
Secured: WOW Credit Card — secured against an FD, designed for customers with no credit history or low CIBIL scores seeking to build credit while earning rewards.
Why IDFC FIRST Wins on Value
- Never-expiring rewards: Reward points accumulate indefinitely — no expiry pressure
- Zero annual fee across the range: From Classic to Wealth, no card charges an annual fee
- 1 RP = ₹0.25: Consistent redemption value across all cards with no value erosion
- Zero forex markup on Wealth: Saves 3.5%+ on every international transaction versus most bank cards
- Fast digital approvals: Applications via MyFIRST app with near-instant in-principle decisions for eligible applicants
Featured IDFC FIRST Bank Cards
IDFC FIRST Wealth Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Select Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Millennia Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST WoW Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Classic Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC HPCL FIRST Power Credit Card
Joining Fee:
₹199 + GST
Renewal Fee:
₹199 + GST
Rewards Type:
Reward Points
Eligibility Guide
₹3 lakh p.a.
700+
21–60 years
Eligibility for IDFC FIRST Bank Credit Cards
General Criteria
- Age: 21–60 years
- Income: ₹3 lakh p.a. (Classic / Millennia); ₹4.5 lakh+ (Select); ₹12 lakh+ (Wealth)
- Credit Score: 700+ recommended; 720+ for Wealth and Select
- Employment: Salaried or self-employed
WOW Card (Secured)
The IDFC FIRST WOW card is available to customers with any CIBIL score — including those with no credit history — by securing it against a fixed deposit of ₹5,000 or more. Ideal for credit building.
Application Process
IDFC FIRST Bank accepts fully online applications via the MyFIRST app or the bank website at idfcfirstbank.com. The process is paperless for salaried applicants, with income verified via netbanking or salary slip upload. IDFC FIRST is known for faster-than-average approval timelines.
Key Documents
- PAN card
- Aadhaar / passport (address proof)
- Last 3 months' salary slips or last 3 months' bank statements
- ITR for self-employed applicants (last 2 years)
All IDFC FIRST Bank Credit Cards
IDFC FIRST Wealth Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Select Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Millennia Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC FIRST Classic Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC HPCL First Power Plus Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Rewards Type:
Reward Points
IDFC FIRST WoW Credit Card
Joining Fee:
Nil
Renewal Fee:
Nil
Rewards Type:
Reward Points
IDFC Bank FIRST SWYP Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Rewards Type:
Reward Points
IDFC First Bank Ashva Metal Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Rewards Type:
Reward Points
IDFC First Bank Mayura Credit Card
Joining Fee:
₹5,999 + GST
Renewal Fee:
₹5,999 + GST
Rewards Type:
Reward Points