IDFC FIRST Bank Credit Card: Best Cards, Benefits, Eligibility, Fees & Apply Online
Looking for an IDFC FIRST Bank Credit Card in India? IDFC FIRST Bank offers multiple credit cards for different types of customers, including cards focused on rewards, shopping, travel, lifestyle, fuel and everyday spending.
One of the key attractions of several IDFC FIRST Bank credit cards is the availability of lifetime-free cards, while other variants may have joining or annual fees. The bank also offers reward points, lounge access, fuel surcharge waivers and other benefits on eligible cards.
In this guide, we explain IDFC FIRST Bank Credit Card benefits, types of cards, eligibility, documents, fees, rewards and how to apply online.
Important: Credit card fees, rewards, eligibility and offers can change. Always check the latest terms and conditions before applying.
IDFC FIRST Bank Credit Card – Highlights
| Feature | Details |
|---|---|
| Issuer | IDFC FIRST Bank |
| Card types | Lifestyle, rewards, travel, fuel and other categories |
| Lifetime-free options | Available on selected cards |
| Reward points | Available on eligible cards |
| Lounge access | Available on selected cards |
| Fuel surcharge waiver | Available on eligible cards |
| EMI facility | Available on eligible transactions |
| Application | Online application available |
| Approval | Subject to bank eligibility and verification |
What Is an IDFC FIRST Bank Credit Card?
An IDFC FIRST Bank Credit Card is a payment card offered by IDFC FIRST Bank that allows eligible customers to make purchases using a sanctioned credit limit.
Depending on the card, customers may receive benefits such as:
- Reward points
- Cashback or merchant offers
- Airport lounge access
- Fuel surcharge waiver
- Movie offers
- Travel benefits
- EMI facilities
- Welcome benefits
- Lifestyle offers
The exact benefits depend on the particular credit card.
Best IDFC FIRST Bank Credit Cards
IDFC FIRST Bank offers different cards for different spending needs. Some important cards in its portfolio include:
1. FIRST Millennia Credit Card
The FIRST Millennia Credit Card is designed for everyday spending and lifestyle needs.
According to the bank’s current fee schedule, the card has Nil joining fee and Nil annual fee.
It can be considered by customers looking for a lifetime-free IDFC FIRST Bank credit card, subject to eligibility.
2. FIRST Classic Credit Card
The FIRST Classic Credit Card is another card in the IDFC FIRST Bank portfolio.
The bank’s current schedule lists Nil joining fee and Nil annual fee for this card.
3. FIRST Select Credit Card
The FIRST Select Credit Card is aimed at customers looking for additional lifestyle and reward-related benefits.
The current official fee schedule lists Nil joining fee and Nil annual fee for the card.
4. FIRST Wealth Credit Card
The FIRST Wealth Credit Card is positioned as a premium card with additional lifestyle benefits.
The current fee schedule lists Nil joining fee and Nil annual fee for this card.
5. FIRST WOW! Credit Card
The FIRST WOW! Credit Card is another notable IDFC FIRST Bank card. The bank’s current fee schedule lists Nil joining fee and Nil annual fee.
6. FIRST Digital RuPay Credit Card
The FIRST Digital RuPay Credit Card is a RuPay credit card option.
The current official schedule lists a ₹199 joining fee and ₹199 annual fee, subject to the applicable terms.
7. FIRST Power Credit Card
The FIRST Power Credit Card is designed with benefits for customers who may spend regularly on fuel and everyday categories.
The current schedule lists a ₹199 joining fee and ₹199 annual fee.
8. FIRST Power+ Credit Card
The FIRST Power+ Credit Card is a higher variant of the Power series.
The current fee schedule lists a ₹499 joining fee and ₹499 annual fee.
9. FIRST SWYP Credit Card
The FIRST SWYP Credit Card is designed around lifestyle and online spending.
The current schedule lists a ₹499 joining fee and ₹499 annual fee.
IDFC FIRST Bank Credit Card Benefits
The benefits depend on the card you select, but IDFC FIRST Bank highlights features such as:
Reward Points
Eligible transactions can earn reward points. The bank’s credit card material highlights rewards of up to 10X Reward Points on eligible cards/categories.
Lifetime-Free Credit Cards
Several IDFC FIRST Bank cards have Nil joining and annual fees, subject to the applicable card variant and terms.
This can be useful for customers who want to avoid recurring annual credit card charges.
Airport Lounge Access
Selected IDFC FIRST Bank cards provide complimentary airport lounge access.
The number of visits and eligibility conditions depend on the particular card.
Fuel Surcharge Waiver
Eligible IDFC FIRST Bank credit cards can provide a fuel surcharge waiver.
The bank’s terms specify that the waiver is subject to applicable limits and conditions.
Movie Benefits
Selected cards may provide movie-related discounts or offers.
EMI Facility
Eligible purchases can potentially be converted into EMI under the applicable facility and terms.
Personal Accident Cover
The bank’s credit card material also highlights personal accident and lost-card liability protection on applicable cards.
IDFC FIRST Bank Credit Card Eligibility
Eligibility can vary according to the card and applicant.
Generally, the bank may consider factors such as:
- Age
- Indian residency
- Employment status
- Income
- Credit history
- Existing financial obligations
- Credit score
- Internal bank policies
Meeting basic eligibility requirements does not guarantee credit card approval.
The final decision is made after the bank’s application and verification process.
Documents Required for IDFC FIRST Bank Credit Card
Depending on the applicant and verification process, you may need documents such as:
- PAN card
- Aadhaar or other identity/address proof
- Income proof
- Salary slips for salaried applicants
- Bank statements
- Employment details
- Business/income documents for self-employed applicants
The exact documents can vary.
How to Apply for IDFC FIRST Bank Credit Card Online
You can apply online by following these general steps.
Step 1: Choose Your Card
First, decide which IDFC FIRST Bank credit card fits your spending pattern.
For example:
Shopping → Look for shopping/reward benefits.
Travel → Consider cards with travel-related benefits.
Fuel → Consider a card offering fuel benefits.
Everyday spending → Consider a card with useful rewards and low fees.
Step 2: Click Apply Now
You can start your application using the link below:
👉 Apply Now for IDFC FIRST Bank Credit Card
Step 3: Enter Your Details
Fill in the required personal, contact, employment and income information.
Make sure that the information you provide is accurate.
Step 4: Complete Verification
The bank may verify your information and documents.
Additional verification may be required depending on your application.
Step 5: Wait for the Decision
After verification, the bank will determine whether your application meets its approval criteria.
Important: Applying for a credit card does not guarantee approval.
IDFC FIRST Bank Credit Card Fees and Charges
Credit card fees vary significantly by card.
For example, the current official schedule lists:
| Credit Card | Joining Fee | Annual Fee |
|---|---|---|
| FIRST Millennia | Nil | Nil |
| FIRST Classic | Nil | Nil |
| FIRST Select | Nil | Nil |
| FIRST Wealth | Nil | Nil |
| FIRST WOW! | Nil | Nil |
| FIRST Digital RuPay | ₹199 | ₹199 |
| FIRST Power | ₹199 | ₹199 |
| FIRST Power+ | ₹499 | ₹499 |
| FIRST SWYP | ₹499 | ₹499 |
| FIRST Private | ₹50,000 | ₹50,000 |
Fees can change and may differ by product or offer, so check the current official terms before applying.
IDFC FIRST Bank Credit Card Interest Rate
Credit card interest can be considerably higher than the cost of normal purchases when the outstanding amount is not paid in full.
The current IDFC FIRST Bank terms show that finance charges vary by card and customer circumstances. Some listed rates can range from 0.75% to 3.99% per month depending on the applicable card and type of charge.
Therefore, it is usually better to pay the total amount due by the payment due date rather than carrying a balance.
Other IDFC FIRST Bank Credit Card Charges
Depending on the card, other charges can include:
- Cash withdrawal fee
- Late payment charges
- Foreign currency markup
- Fuel-related charges
- EMI processing charges
- Payment return charges
- Card replacement charges
- Other service fees
For example, the bank’s terms list a 2.50% cash advance transaction fee, subject to a minimum of ₹250, and a 1.99% foreign currency markup under the applicable schedule.
Always check the latest MITC before using your card.
IDFC FIRST Bank Credit Card Reward Points
Reward points are one of the major features of several IDFC FIRST Bank credit cards.
The reward rate can vary depending on:
- Card variant
- Merchant category
- Transaction type
- Spending amount
- Promotional offer
- Applicable exclusions
Some cards/categories may provide higher reward rates than standard transactions.
The bank’s credit card brochure advertises up to 10X reward points on eligible transactions.
Don’t select a card only because of its maximum reward rate. Check the categories where you actually spend money.
IDFC FIRST Bank Credit Card: Pros and Cons
Pros
- Several lifetime-free card options
- Different cards for different spending needs
- Reward points
- Selected cards offer lounge access
- Fuel surcharge waiver on eligible cards
- Online application facility
- EMI options
- Various lifestyle offers
Cons
- Benefits vary significantly by card
- Some cards have annual fees
- Reward exclusions may apply
- Interest can be expensive if you carry a balance
- Approval is not guaranteed
- Terms and benefits can change
Who Should Consider an IDFC FIRST Bank Credit Card?
An IDFC FIRST Bank Credit Card may be useful for people who:
- Want a lifetime-free credit card
- Shop online regularly
- Want reward points
- Spend regularly on fuel
- Want travel or lounge benefits
- Prefer EMI options
- Want to use credit card offers
- Can pay their credit card bill on time
How to Choose the Best IDFC FIRST Bank Credit Card?
Choosing the right card is more important than choosing the most popular card.
Follow these steps:
1. Check Your Monthly Spending
Calculate how much you spend on:
- Shopping
- Food
- Fuel
- Travel
- Bills
- Entertainment
- Other purchases
2. Compare Rewards
Look at the reward rate for your actual spending categories.
3. Check Annual Fees
A card with a higher annual fee may not be worthwhile if you don’t use its benefits.
4. Check Lounge Benefits
Frequent travelers should check the number of lounge visits and the conditions attached to them.
5. Check Exclusions
Some transactions may not qualify for rewards or cashback.
6. Check Interest and Other Charges
Read the applicable MITC before applying.
IDFC FIRST Bank Credit Card vs Other Credit Cards
There is no single credit card that is best for everyone.
| Requirement | What to Look For |
|---|---|
| Cashback | Cashback-focused card |
| Online shopping | Shopping/reward card |
| Travel | Travel rewards + lounge access |
| Fuel | Fuel benefits |
| Everyday spending | General rewards |
| No annual fee | Lifetime-free card |
| Premium lifestyle | Premium credit card |
The right choice depends on your spending habits and financial needs.
Tips to Use Your IDFC FIRST Bank Credit Card Wisely
A credit card can be useful when used responsibly.
Pay the Full Bill
Try to pay the total outstanding amount before the due date.
Don’t Spend Just for Rewards
Spending ₹10,000 just to earn rewards worth ₹100 doesn’t make financial sense if you didn’t need the purchase.
Keep Credit Utilisation Under Control
Avoid using most of your available credit limit regularly.
Check Your Statements
Review your monthly statement for incorrect or unexpected transactions.
Avoid Unnecessary Cash Withdrawals
Credit card cash withdrawals can attract additional charges and interest.
Read the Terms
Rewards, fees, lounge access and offers may have conditions.
Frequently Asked Questions
Is IDFC FIRST Bank Credit Card lifetime free?
Several IDFC FIRST Bank cards have Nil joining and annual fees, including cards such as FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth and FIRST WOW!, according to the current fee schedule.
How can I apply for an IDFC FIRST Bank Credit Card?
You can start the application online by clicking:
Approval is subject to the bank’s eligibility and verification process.
What is the minimum income required for an IDFC FIRST Bank Credit Card?
The required income can vary by card and applicant. The bank may consider income, credit history, existing obligations and other factors.
Is a CIBIL score required for an IDFC FIRST Bank Credit Card?
Credit history can be an important factor in credit card approval. However, the bank determines eligibility and approval based on its own criteria.
Which is the best IDFC FIRST Bank Credit Card?
There is no single best card.
If you want a lifetime-free card, look at the eligible Nil-fee variants.
If you want travel benefits, compare cards offering lounge and travel-related features.
If you want rewards, compare the reward rate and exclusions.
Does IDFC FIRST Bank offer a credit card with no annual fee?
Yes. The current fee schedule lists several cards with Nil annual fees.
Can I convert purchases into EMI?
Eligible transactions may be converted into EMI under the applicable EMI facility and terms.
Does IDFC FIRST Bank Credit Card provide airport lounge access?
Selected IDFC FIRST Bank credit cards provide complimentary lounge access. The number of visits and eligibility conditions depend on the card.
Is there a fuel surcharge waiver?
Eligible IDFC FIRST Bank cards can offer a fuel surcharge waiver, subject to applicable conditions and limits.
Final Verdict
IDFC FIRST Bank Credit Cards can be a good option for customers who want rewards, lifestyle benefits and, on selected cards, lifetime-free credit card ownership.
The most important thing is to choose a card based on your actual spending habits rather than simply choosing the card with the biggest advertised benefit.
Before applying, compare:
- Annual fee
- Reward rate
- Reward exclusions
- Lounge access
- Fuel benefits
- EMI charges
- Interest rate
- Other applicable fees
If the card matches your requirements, you can start your application online:
👉 Apply Now for IDFC FIRST Bank Credit Card
Disclaimer: Infoghar.com may receive a referral/affiliate benefit if you apply through the above link. Credit card approval is solely subject to IDFC FIRST Bank’s eligibility criteria, verification and internal policies. Credit card fees, rewards, offers and other benefits may change. Please check the latest official terms and conditions before applying.