Is the IDFC FIRST Wealth card really lifetime free?

Yes - zero joining fee, zero annual fee, lifetime free. The IDFC FIRST Wealth card offers zero forex markup, Priority Pass lounge access (4 complimentary international visits per quarter), 10X reward points on international and online spends, and complimentary roadside assistance. It is consistently rated India's best lifetime-free travel card.

Do IDFC FIRST reward points expire?

No. IDFC FIRST reward points never expire, which is one of the bank's key differentiators. You can accumulate points over multiple years without any expiry pressure. Points can be redeemed via the MyFIRST app for cash credit (1 RP = ₹0.25), gift vouchers, or the products catalogue.

Can I get an IDFC FIRST credit card with a low CIBIL score?

Yes. The IDFC FIRST WOW Credit Card is specifically designed for customers with low or no credit history. It is issued against a fixed deposit (minimum ₹5,000) and has no CIBIL requirement. Regular timely payments on the WOW card help build credit history, making it a stepping stone to unsecured cards.

How does IDFC FIRST's zero forex markup work?

The IDFC FIRST Wealth card charges zero additional markup on international transactions. Most bank credit cards add a 3.5%-4% foreign currency markup on top of the interbank exchange rate. With the Wealth card, you pay only the Visa/Mastercard network rate - saving approximately ₹350-400 per ₹10,000 of international spend.

IDFC FIRST Bank Cards

IDFC FIRST Bank - Zero Fee & High Reward Rate Cards

Est.2015 (as IDFC Bank; merged with Capital First 2018)HQMumbai, Maharashtra17 Cards Available

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Total Cards

Avg. Joining Fee

₹4,200

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

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...

Joining Fee:

Lifetime Free

Renewal Fee:

Lifetime Free

Reward Type:

Reward Points

PremiumTravelShopping

IDFC FIRST Bank Cards

About This Bank

IDFC FIRST Bank Credit Cards - 2026 Overview

Portfolio Highlights

Why IDFC FIRST Wins on Value

Featured IDFC FIRST Bank Cards

IDFC FIRST Wealth Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Millennia Credit Card

IDFC FIRST WoW Credit Card

IDFC FIRST Classic Credit Card

IDFC HPCL FIRST Power Credit Card

Eligibility Guide

Eligibility for IDFC FIRST Bank Credit Cards

General Criteria

WOW Card (Secured)

Application Process

Key Documents

All IDFC FIRST Bank Cards

IDFC FIRST Wealth Credit Card

Club Vistara IDFC First Credit Card

IDFC Bank FIRST SWYP Credit Card

IDFC First Bank Ashva Metal Credit Card

IDFC FIRST Bank Business Credit Card

IDFC First Bank Mayura Credit Card

IDFC FIRST Classic Credit Card

IDFC FIRST EARN Credit Card

IDFC FIRST Millennia Credit Card

Frequently Asked Questions