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IDFC FIRST Bank credit cards: 20 you can apply for

The best one for most people is IndiGo IDFC FIRST Dual Credit Card.

₹16,700a year after fees, at ₹75,000 a month

It pays back the most of the 19 IDFC FIRST Bank cards open to apply that we can value.

Rank all 20 at your own spend in the card finder

Verified 2 sources

Points and where they go

IDFC FIRST Bank's main points currency is IDFC FIRST Reward Points, worth ₹0.25 a point; it does not transfer to an airline or hotel. Its cards earn 3 kinds of points in all.

What IDFC FIRST Bank cards earn
ProgrammeWorth a pointCardsPartners
IDFC FIRST Reward Points₹0.2522none
IndiGo BluChipevery way to earn them ₹0.502none
Air India Maharaja Pointsevery way to earn them ₹1.001none

3 more cards pay cash back. Values are what we think a point is worth in India.

Every IDFC FIRST Bank transfer partner 1 route
IndiGo BluChip: where they transfer
Transfer toRatioOne point becomesTime
ALL - Accor Live LimitlessIndiGo BluChip is itself a programme: a move between programmes 6:1₹0.36not published

Ratios read IndiGo BluChip : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 18 IDFC FIRST Bank changes since 2023

All 29 IDFC FIRST Bank cards

Fees run ₹0 to ₹25,000, and 11 of them are genuinely free for life. We cannot value 1 of them: IDFC FIRST Bank publishes no earn table for that card, so it is listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 26 keep, 2 downgrade, 1 cancel.

Open to apply 20

  2. IndiGo IDFC FIRST Secured

    ₹16,000 a year, after fees

    ₹0 joining + ₹4,999/yr · No forex markup · Reward rate 1.5%–3%

    Keep

  3. IDFC FIRST Hello Cashback credit card

    IDFC FIRST Hello Cashback

    ₹9,000 a year, after fees

    ₹1,000 fee · No forex markup · Reward rate 1%–6%

    Ranked higher: its bonus category adds ₹7,300 a year

    Keep

  4. IDFC FIRST Diamond Reserve credit card

    IDFC FIRST Diamond Reserve

    ₹10,300 a year, after fees

    ₹3,000 fee · Lounges in India and abroad · No forex markup · Reward rate 0.5%–6.7%

    Ranked higher: its bonus category adds ₹4,500 a year

    Keep

  5. IDFC FIRST Ashva credit card

    IDFC FIRST Ashva

    ₹17,500 a year, after fees

    ₹2,999 fee · Lounges in India and abroad · No forex markup · Reward rate 1.3%–10.7%

    Ranked lower: includes points worth full value only in one app

    Keep

  6. LIC IDFC FIRST Select

    ₹8,500 a year, after fees

    ₹0 fee · Lounges in India · No forex markup · Reward rate 1%–6%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  7. IDFC FIRST WOW! Black credit card

    IDFC FIRST WOW! Black

    ₹5,200 a year, after fees

    ₹750 fee · Lounges in India · No forex markup · Reward rate 0.7%–9.7%

    Ranked higher: its bonus category adds ₹6,500 a year

    Keep

  8. IDFC FIRST Mayura credit card

    IDFC FIRST Mayura

    ₹19,700 a year, after fees

    ₹5,999 fee · Lounges in India and abroad · No forex markup · Reward rate 1.7%–13.3%

    Ranked lower: includes points worth full value only in one app

    Keep

12 more open to apply by value

  1. LIC IDFC FIRST Classic

    ₹5,400 a year, after fees

    ₹0 fee · Lounges in India · No forex markup · Reward rate 0.6%–5.6%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  2. IDFC FIRST HPCL Power+ credit card

    IDFC FIRST HPCL Power+

    ₹3,300 a year, after fees

    ₹499 fee · Lounges in India · No forex markup · Reward rate 0.5%–7.2%

    Ranked higher: its bonus category adds ₹4,100 a year

    Keep

  3. IDFC FIRST Select credit card

    IDFC FIRST Select

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India · No forex markup · Reward rate 0.4%–6.3%

    Ranked higher: its bonus category adds ₹4,200 a year

    Keep

  4. IDFC FIRST Millennia

    ₹2,900 a year, after fees

    ₹0 fee · No forex markup · Reward rate 0.4%–6.3%

    Ranked higher: its bonus category adds ₹4,200 a year

    Keep

  5. IDFC FIRST Classic

    ₹2,900 a year, after fees

    ₹0 fee · No forex markup · Reward rate 0.4%–6.3%

    Ranked higher: its bonus category adds ₹4,200 a year

    Keep

  6. IDFC FIRST Wealth credit card

    IDFC FIRST Wealth

    ₹2,900 a year, after fees

    ₹0 fee · Lounges in India and abroad · No forex markup · Reward rate 0.4%–6.3%

    Ranked higher: its bonus category adds ₹4,200 a year

    Keep

  7. IDFC FIRST Quantum+ credit card

    IDFC FIRST Quantum+

    ₹6,000 a year, after fees

    ₹0 fee · No forex markup · Reward rate 1%–3%

    Keep

  8. IDFC FIRST WOW! credit card

    IDFC FIRST WOW!

    ₹3,900 a year, after fees

    ₹0 fee · No forex markup · Reward rate 0.5%–3%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  9. IDFC FIRST HPCL Power

    ₹3,000 a year, after fees

    ₹199 fee · No forex markup · Reward rate 0.3%–7%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  10. IDFC FIRST SWYP

    ₹8,800 a year, after fees

    ₹499 fee · No forex markup · Reward rate 1.1%–6.3%

    Ranked higher: its bonus category adds ₹3,700 a year

    Downgrade

  11. IDFC FIRST EA₹N

    ₹4,500 a year, after fees

    ₹499 fee · No forex markup · Reward rate 0.5%–5.5%

    Ranked higher: its bonus category adds ₹1,500 a year

    Downgrade

  12. IDFC FIRST Digital RuPay

    Not valued fee or rewards not published

    ₹199 fee · No forex markup

    Keep

Invite only 2

  1. IDFC FIRST Gaj

    ₹25,800 a year, after fees

    ₹12,500 fee · Lounges in India and abroad · No forex markup · Reward rate 3.3%–33.3%

    Ranked lower: includes points worth full value only in one app

    Keep Invite only

  2. IDFC FIRST Private credit card

    IDFC FIRST Private

    ₹26,000 a year, after fees

    ₹50,000 joining + ₹25,000/yr · Lounges in India and abroad · No forex markup · Reward rate 6.7%–40%

    Ranked lower: includes points worth full value only in one app

    Keep Invite only

Business cards 6 cards

  1. IDFC FIRST Business Multiplier

    ₹11,300 a year, after fees

    ₹1,000 fee · Lounges in India and abroad · Reward rate 1.3%

    Keep

  2. IDFC FIRST Business

    ₹3,500 a year, after fees

    ₹999 fee · Lounges in India and abroad · Reward rate 0.5%–8%

    Ranked higher: its bonus category adds ₹3,400 a year

    Keep

  3. IDFC FIRST Business Max

    ₹6,800 a year, after fees

    ₹0 fee · Reward rate 0.8%

    Keep

  4. IDFC FIRST Corporate

    ₹3,600 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.4%–2%

    Ranked higher: its bonus category adds ₹1,400 a year

    Keep

  5. IDFC FIRST Purchase

    ₹3,400 a year, after fees

    ₹0 fee · Lounges in India and abroad · Reward rate 0.4%–1.3%

    Keep

  6. IDFC FIRST Micro Enterprise

    ₹2,400 a year, after fees

    ₹0 joining + ₹1,000/yr · Reward rate 0.4%

    Keep

Closed or paused 1 card

  1. Club Vistara IDFC FIRST

    ₹22,000 a year, after fees

    ₹4,999 fee · Lounges in India and abroad · No forex markup · Reward rate 3%–5%

    Cancel Closed

Filter IDFC FIRST Bank cards by fee, lounges or forex

Standard charges

The charges IDFC FIRST Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

IDFC FIRST Bank's standard charges
ChargeWhat the bank saysOur readCards
Over-limit fee2.5%, min ₹55012 of 23
Reward redemption fee₹99 per redemption transaction13 of 23

Cards counts the IDFC FIRST Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

IDFC FIRST Bank in RBI's figures

Cards in force
49,52,915
4.0% of India's cards
Spent in August 2026
₹4,975 crore
39% of it online
Spend per card
₹10,044
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The IDFC FIRST Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official IDFC FIRST customer MITC — the document that DEFINES the reward categories the Private T&C only names read
  2. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read