Looking for a perfect credit card from IDFC FIRST Bank that offers value, versatility, and lifetime-free benefits? The IDFC FIRST Bank Credit Card range is designed to suit every lifestyle—be it shopping, travel, dining, or fuel. These cards offer some of the lowest interest rates in India, generous rewards with no expiry, and exclusive perks like movie discounts, lounge access, and more.
Whether you’re a first-time credit card user or a seasoned spender, IDFC FIRST Bank has a credit card tailored to your financial habits and goals. From the popular IDFC FIRST Millennia and Select Credit Cards to entry-level options like the IDFC FIRST Classic Credit Card, each card delivers a unique blend of features.
In this guide, we’ll explore the key features, eligibility criteria, benefits, fees, and charges of IDFC FIRST Bank Credit Cards, helping you choose the one that fits your needs best.
📌 About IDFC FIRST Bank Credit Cards
The IDFC FIRST Bank Credit Card range is designed to offer:
- Lifetime free options (no joining or annual fees)
- Low-interest rates starting from 9% per annum
- Attractive rewards on daily and lifestyle spends
- Complimentary railway and airport lounge access on select cards
- Smart EMI conversion features
- Transparent fee structure with minimal hidden charges
All IDFC credit cards operate on Visa Signature or Mastercard World platforms, ensuring wide acceptance globally.
📜 List of IDFC FIRST Bank Credit Card Variants
Here’s a quick overview of the different IDFC FIRST Bank Credit Cards:
| Card Name | Key Features | Suitable For |
|---|---|---|
| IDFC FIRST Classic Credit Card | Lifetime free, 4X rewards, railway lounge access | Beginners, casual spenders |
| IDFC FIRST Select Credit Card | 4 complimentary airport lounge visits, higher rewards | Frequent travelers |
| IDFC FIRST Millennia Credit Card | Cashback + rewards, EMI offers | Millennials, online shoppers |
| IDFC FIRST Wealth Credit Card | Premium travel and lifestyle benefits, concierge service | HNIs, high spenders |
| IDFC HPCL First Power Credit Card | Fuel cashback, special rewards on HPCL fuel stations | Daily commuters |
✅ Note: Most cards are lifetime free except Millennia (which charges ₹500 annually but offers strong benefits).
✨ Key Features of IDFC FIRST Bank Credit Cards
Here’s what sets the IDFC FIRST Bank Credit Card range apart:
1. Lifetime Free Options
- Many cards come without joining or annual fees, making them a zero-risk option.
2. Low-Interest Rates
- Interest as low as 0.75% per month (9% p.a.), one of the lowest among Indian credit cards.
3. Dynamic Rewards Program
- Earn up to 10X rewards based on spend categories.
- Rewards are uncapped and never expire.
4. Lounge Access
- Railway lounge access (Classic Card)
- Airport lounge access (Select, Wealth Cards)
5. Fuel Surcharge Waiver
- 1% fuel surcharge waiver for transactions between ₹200–₹5,000.
6. Smart EMI Options
- Convert transactions above ₹2,500 into easy monthly EMIs through the mobile app.
7. Comprehensive Travel and Lifestyle Benefits
- Personal accident cover
- Lost card liability cover
- Roadside assistance on premium variants
💳 Detailed Comparison: Which IDFC FIRST Bank Credit Card Should You Choose?
| Feature | Classic | Select | Millennia | Wealth |
|---|---|---|---|---|
| Annual Fee | ₹0 | ₹0 | ₹500 + GST | Invitation only |
| Lounge Access | Railway only | Airport + Railway | Airport (limited) | Premium Airport & International |
| Rewards Rate | 4X post ₹10k spend | 6X post ₹20k spend | Cashback + rewards | Premium 10X rewards |
| Forex Markup | 3.5% | 1.99% | 3.5% | 1.5% |
📄 How to Apply for IDFC FIRST Bank Credit Card?
- Visit the IDFC FIRST Bank website or mobile app.
- Choose your preferred card variant.
- Submit KYC documents (PAN card, Aadhaar card, income proof).
- Get instant approval in many cases or expect a verification call.
- Receive your physical card in 7–10 working days.
✅ Tip: You can check your pre-approved offers if you’re already a customer of IDFC FIRST Bank.
❓ FAQs about IDFC FIRST Bank Credit Cards
Are IDFC FIRST Bank credit cards really lifetime free?
Yes, cards like IDFC FIRST Classic and IDFC FIRST Select have zero joining and annual fees for life.
What is the interest rate on IDFC FIRST Bank Credit Cards?
The rate starts as low as 9% p.a. (0.75% per month), depending on your credit profile.
How do reward points work?
You earn up to 10X points depending on spending habits. Points are uncapped, never expire, and can be redeemed for vouchers, gadgets, and more.
Does the IDFC FIRST Classic Card provide airport lounge access?
No, only railway lounge access is included with the Classic variant. For airport lounges, opt for Select or Wealth variants.
What documents are required to apply?
Basic KYC — PAN card, Aadhaar card, and income proof like salary slips or bank statements.
📢 Final Verdict: Should You Get an IDFC FIRST Bank Credit Card?
If you’re looking for a lifetime free, low-interest, and high reward credit card, IDFC FIRST Bank Credit Cards are among the best choices available today.
Whether you’re a beginner, a heavy spender, a traveler, or a commuter — there’s a variant designed perfectly for your lifestyle.
👉 Ready to apply? Find the best IDFC FIRST Bank Credit Card today at Cardpedia.in!
