IDFC FIRST Bank Cards
Explore top cards like the IDFC FIRST Wealth Credit Card, Club Vistara IDFC First Credit Card, IDFC Bank FIRST SWYP Credit Card, IDFC First Bank Ashva Metal Credit Card, and 13 more.
Read our full IDFC FIRST Bank guide →
17 Cards Found
IDFC FIRST Wealth Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
Club Vistara IDFC First Credit Card
Joining Fee:
₹4,999 + GST
Renewal Fee:
₹4,999 + GST
Reward Type:
Air Miles, Other Benefits
IDFC Bank FIRST SWYP Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹499 + GST
Reward Type:
Reward Points, Other Benefits
IDFC First Bank Ashva Metal Credit Card
Joining Fee:
₹2,999 + GST
Renewal Fee:
₹2,999 + GST
Reward Type:
Reward Points, Other Benefits
IDFC FIRST Bank Business Credit Card
Joining Fee:
₹499 + GST
Renewal Fee:
₹999 + GST
Reward Type:
Reward Points
IDFC First Bank Mayura Credit Card
Joining Fee:
₹5,999 + GST
Renewal Fee:
₹5,999 + GST
Reward Type:
Reward Points
IDFC FIRST Classic Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDFC FIRST EARN Credit Card
Joining Fee:
Free (1st year)
Renewal Fee:
₹499 + GST
Reward Type:
Cashback
IDFC FIRST Millennia Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
IDFC FIRST Multi-Currency Forex Card
forexJoining Fee:
Not Available
Renewal Fee:
Not Available
Reward Type:
IDFC First Private Credit Card
Joining Fee:
₹50,000 + GST
Renewal Fee:
₹25,000 + GST
Reward Type:
Reward Points, Other Benefits
IDFC FIRST Select Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback, Other Benefits
IDFC FIRST Bank Credit Cards - Mostly Zero Fee, With a Premium Tier
IDFC FIRST Bank's credit card range is unusual in Indian banking for how much of it is genuinely fee-free. The Classic, Millennia, Select, and Wealth cards all charge Nil joining and annual fee - there's no minimum spend to chase each year just to avoid a charge. The range then steps up to a metal card (Ashva Metal) and an invitation-based ultra-premium card (Private) for higher-spend customers, alongside a dedicated cashback card (EARN) and fuel co-branded options with HPCL.
Zero-Fee Everyday Cards: Start Here
Classic, Millennia, Select, and Wealth from IDFC FIRST Bank all charge Nil fee, so the deciding factor between them is the reward rate and travel/lounge benefits at each tier rather than cost - there's no annual-fee-waiver spend target to plan around.
Premium and Cashback Options
The Ashva Metal and Private cards target higher-spend customers with a real annual fee (₹2,999 and ₹50,000 respectively), while the EARN card breaks from the points-based range entirely to offer straightforward cashback, currently at ₹0 for a limited period.
IDFC FIRST Bank Cards Compared
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| IDFC FIRST Classic Credit Card | Lifetime Free | Reward Points | |
| IDFC FIRST Millennia Credit Card | Lifetime Free | Reward Points | |
| IDFC FIRST Select Credit Card | Lifetime Free | Reward Points, Cashback, Other Benefits | |
| IDFC FIRST Wealth Credit Card | Lifetime Free | Reward Points | |
| IDFC FIRST EARN Credit Card | Free (1st year) | Cashback | |
| IDFC First Bank Ashva Metal Credit Card | ₹2,999 + GST | Reward Points, Other Benefits | |
| IDFC First Private Credit Card | ₹50,000 + GST | Reward Points, Other Benefits | |
| IDFC Bank FIRST SWYP Credit Card | ₹499 + GST | Reward Points, Other Benefits |
How to Choose
Most of the range is genuinely lifetime-free
IDFC FIRST Classic, Millennia, Select, and Wealth Credit Cards all charge Nil joining and annual fee - no spend threshold to chase for a waiver. They differ mainly in reward rate and lounge/travel perks by tier, not in cost.
Ashva Metal and Private sit at the premium end
IDFC FIRST Ashva Metal Credit Card charges ₹2,999 + GST and IDFC FIRST Private Credit Card charges ₹50,000 + GST - both aimed at high-spend, often invitation-based customers rather than general applicants.
EARN is the dedicated cashback option
Most of the IDFC FIRST range earns Reward Points, but the IDFC FIRST EARN Credit Card earns Cashback instead and is currently ₹0 as a limited-period offer (originally ₹499 + GST) - worth checking if you'd rather have straightforward cashback than a points program.
HPCL co-branded cards suit fuel-heavy spenders
IDFC HPCL FIRST Power and Power Plus Credit Cards are co-branded with HPCL, built around fuel spends specifically rather than general everyday categories.