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The issuer board

Every IDFC FIRST Bank credit card.

29 cards on the desk, ranked #8 to #784 against every other card in India — not against each other. Fees run ₹0 to ₹25,000, and 11 of them are genuinely free for life. 1 of the 29 we carry without ranking, because IDFC FIRST Bank publishes no fee or no earn table for it — they are listed at the bottom, with what we do know.

how this board is ordered fold that back up

Ordered by our board, best first. The rank is the card's position among all Indian cards we price, so a gap between two rows is other issuers' cards sitting between them.

RBI, July 2026: 48,91,825 cards in force — 4.0% of every credit card in India · ₹4,956 cr spent on them that month, 41% of it online.

The one worth having

#8 in India Keep

IDFC FIRST Private

₹50,000 to join, ₹25,000 a year: unlimited global lounges, 0% forex, and a flat 6.67% with no gate to clear.

₹3,11,028 ranking value a year at ₹3L/month
₹50,000 joining + ₹25,000/yr what it costs
6.7% headline earn rate
Read the verdict →

Narrow 29 IDFC FIRST Bank cards

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

The board

All 28 priced cards, best to worst.

rank · card · fee (what you pay to get it) · headline earn rate, per ₹100 of ordinary spend · verdict

  1. #8 IDFC FIRST Private ₹50,000 joining + ₹25,000/yr 6.7% Keep
  2. #11 IDFC FIRST Gaj ₹12,500 fee 3.3% Keep
  3. #16 IDFC FIRST Mayura ₹5,999 fee 1.7% Keep
  4. #20 IDFC FIRST Ashva ₹2,999 fee 1.3% Keep
  5. #30 IDFC FIRST Diamond Reserve ₹3,000 fee 0.5% Keep
  6. #57 IndiGo IDFC FIRST Dual Credit Card ₹4,999 fee 1.5% Keep
  7. #87 IDFC FIRST WOW! Black ₹750 fee 0.7% Keep
  8. #88 IDFC FIRST WOW! ₹0 fee 0.5% Keep
  9. #135 IDFC FIRST Wealth ₹0 fee 0.4% Keep
  10. #137 IDFC FIRST Select ₹0 fee 0.4% Keep
  11. #200 IDFC FIRST Millennia ₹0 fee 0.4% Keep
  12. #201 IDFC FIRST Classic ₹0 fee 0.4% Keep
  13. #202 LIC IDFC FIRST Select ₹0 fee 1.0% Keep
  14. #203 IDFC FIRST HPCL Power+ ₹499 fee 0.5% Keep
  15. #205 IDFC FIRST SWYP ₹499 fee 1.1% Downgrade
the remaining 13 IDFC FIRST Bank cards, #376–#784
  1. #376 IndiGo IDFC FIRST Secured ₹0 joining + ₹4,999/yr 1.5% Keep
  2. #377 IDFC FIRST Hello Cashback ₹1,000 fee 1.0% Keep
  3. #378 LIC IDFC FIRST Classic ₹0 fee 0.6% Keep
  4. #379 IDFC FIRST Quantum+ ₹0 fee 1.0% Keep
  5. #380 IDFC FIRST EA₹N ₹499 fee 0.5% Downgrade
  6. #381 IDFC FIRST HPCL Power ₹199 fee 0.3% Keep
  7. #467 IDFC FIRST Corporate ₹0 fee 0.4% Keep
  8. #468 IDFC FIRST Business Multiplier ₹1,000 fee 1.3% Keep
  9. #502 IDFC FIRST Purchase ₹0 fee 0.4% Keep
  10. #503 IDFC FIRST Business Max ₹0 fee 0.8% Keep
  11. #504 IDFC FIRST Micro Enterprise ₹0 joining + ₹1,000/yr 0.4% Keep
  12. #505 IDFC FIRST Business ₹999 fee 0.5% Keep
  13. #784 Club Vistara IDFC FIRST ₹4,999 fee 2.4% Keep

Carried, not ranked

1 card IDFC FIRST Bank won't put a number on.

Each of these is missing the fee, the earn table, or both, in every document IDFC FIRST Bank publishes. We keep the card — its page, its lounge row, its sources — and we refuse to rank it, because a net-value number computed against a fee nobody published would be wrong by exactly that fee. Each promotes itself onto the board above the day the document lands.

  1. IDFC FIRST Digital RuPay ₹199 fee earn n/p

Our standing verdicts

27 keep · 2 downgrade · 0 cancel

What these cards pay in

IDFC FIRST Reward Points · Statement cashback (₹) · IndiGo BluChip · Air India Maharaja Points