5 Best IDFC FIRST Bank Credit Cards in India 2025
IDFC First Bank was formerly IDFC Bank, an Indian Private Sector Bank owned by IDFC, an incorporated infrastructure finance firm. Headquartered in Mumbai, the bank began its operations in October 2015 after acquiring the universal banking licence from the Reserve Bank of India (RBI) in July 2015. IDFC First Bank tackles various business verticals providing a vast array of services to its clients. The major services and products provided by the bank are the IDFC First Bank Credit Cards. It's a popular credit card issuer in India, and majorly it is known to offer exclusive cards with minimum charges.
IDFC FIRST Bank offers five main credit cards across various categories, and they have been curated precisely to cater to the needs and requirements of the customers at large. A few features IDFC FIRST Credit Cards boast are a comprehensive rewards points program and lower interest rates. The five credit cards fall under the categories of Lifestyle and Rewards. These cards also offer other benefits such as fuel surcharge waiver, discounts on movie tickets, railway lounge access, and discounts on dining at partnered restaurants.
With a host of unique rewards, exclusive features, and benefits, IDFC First Bank Credit Cards are quickly becoming popular. This is so because they enable users to spend efficiently, manage finances better, and save more. In this blog, Fintra has listed the Top 5 IDFC FIRST Bank Credit Cards along with their details.
Following are the Top 5 IDFC FIRST Bank Credit Cards in India you must own in 2025:
IDFC FIRST Millennia Credit Card
Invented for the millennial lifestyle, IDFC FIRST Millennia Credit Card is as cool as it looks! It provides 10X Reward Points, low-interest rates, and exceptional merchant discounts. This card will definitely stay with you forever.
Following are some of the highlights of the IDFC FIRST Millennia Credit Card:
- Upon availing the card, receive a welcome voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card issuance
- Earn up to 10X Reward Points on accumulative spends above Rs. 20,000 per month and spends done on the cardholder's birthday
- Earn up to 6X and 3X Reward Points on online and offline purchases for spendings up to Rs. 20,000 per month
- Avail 5% cashback, up to Rs. 1000, on the transaction value of the first EMI done within the 90 days of card generation
- Get 4 complimentary Railway lounge visits per quarter
- Get a 25% discount on movie tickets up to Rs. 100 on the Paytm app. This is valid once every month
- Avail fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200 per month
- Avail complimentary Roadside Assistance that is worth Rs. 1,399
- All year long, get 300+ Merchant offers, and up to 20% discount at 1500+ restaurants
- Get a 15% discount at 3000+ Health and Wellness outlets
- Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- Now convert all transactions that are above Rs. 2,500 into easy and convenient EMIs from the mobile app
- Do instant EMI conversion for online transactions above Rs. 2,500 on the bank’s OTP page
- With the bank's balance transfer privilege, enjoy the convenient methods of transferring balances from your other bank credit cards
More details about the credit card can be found here.
IDFC FIRST Classic Credit Card
The IDFC FIRST Classic Credit Card is best suited for those who want value for money and reward-seekers. Avail exceptional value with the 10X reward points, get awesome discounts, insurance cover, and low-interest rates. This is a very dependable card which is free for life.
Following are some of the highlights of the IDFC FIRST Classic Credit Card:
- Upon availing the card, receive a welcome voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card issuance
- Earn up to 10X Reward Points on accumulative spends above Rs. 20,000 per month and spends done on the cardholder's birthday
- Earn up to 6X and 3X Reward Points on online and offline purchases for spending up to Rs. 20,000 per month
- Avail 5% cashback, up to Rs. 1000, on the transaction value of the first EMI done within the 90 days of card generation
- Get a 25% discount on movie tickets up to Rs. 100 on the Paytm app. This is valid once every month
- Get 4 complimentary Railway lounge visits per quarter
- Avail complimentary Roadside Assistance that is worth Rs. 1,399
- Avail fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 200 per month
- All year long, get 300+ Merchant offers, and up to 20% discount at 1500+ restaurants
- Get a 15% discount at 3000+ Health and Wellness outlets
- Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- Now convert all transactions that are above Rs. 2,500 into easy and convenient EMIs from the mobile app
- Do instant EMI conversion for online transactions above Rs. 2,500 on the bank’s OTP page
- With the bank's balance transfer privilege, enjoy the convenient methods of transferring balances from your other bank credit cards
More details about the credit card can be found here.
IDFC FIRST Select Credit Card
IDFC FIRST Select Credit Card, a premium card, offers a superior rewards program, travel perks, and round-the-year offers. There are no fees and the card offers the lowest interest rates.
Following are some of the highlights of the IDFC FIRST Select Credit Card:
- Earn up to 10X Reward Points on accumulative spends above Rs. 20,000 per month and spends done on the cardholder's birthday
- Earn up to 6X and 3X Reward Points on online and offline purchases for spending up to Rs. 20,000 per month
- Enjoy the unlimited reward points, which never expire
- Upon availing the card, receive a welcome voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card issuance
- Avail 5% cashback, up to Rs. 1000, on the transaction value of the first EMI done within the 90 days of card generation
- Enjoy the 'Buy one, get one' offer on movie tickets up to Rs. 250 on the Paytm app. This is valid twice per month
- All year long, get 300+ Merchant offers, and up to 20% discount at 1500+ restaurants
- Get a 15% discount at 3000+ Health and Wellness outlets
- Get 4 complimentary domestic airport lounge visits per quarter
- Get 4 complimentary Railway lounge visits per quarter
- Avail complimentary Roadside Assistance that is worth Rs. 1,399
- Avail fuel surcharge waiver of 1% at all fuel stations in India, up to Rs. 300 per month
- Avail Air Accident Cover of Rs. 1 crore
- Get a Personal Accident Cover of Rs. 5,00,000 and a Lost Card Liability Cover of Rs. 50,000
- Get Comprehensive Travel Insurance Cover of Rs. 22,500
- Now convert all transactions that are above Rs. 2,500 into easy and convenient EMIs from the mobile app
- Do instant EMI conversion for online transactions above Rs. 2,500 on the bank’s OTP page
- With the bank's balance transfer privilege, enjoy the convenient methods of transferring balances from your other bank credit cards
More details about the credit card can be found here.
IDFC FIRST Wealth Credit Card
The IDFC FIRST Wealth Credit Card is one of the most exclusive credit cards offered by IDFC FIRST Bank. It's the only card that can unlock the exclusivity you deserve. Enjoy the evergreen rewards, exclusive lifestyle and travel benefits, and the lowest interest rates.
Following are some of the highlights of the IDFC FIRST Wealth Credit Card:
- Earn up to 10X Reward Points on accumulative spends above Rs. 30,000 per month and spends done on the cardholder's birthday
- Earn up to 6X and 3X Reward Points on online and offline purchases for spending up to Rs. 30,000 per month
- Upon availing the card, receive a welcome voucher worth Rs. 500 on spending Rs. 15,000 or more within 90 days of card issuance
- Avail 5% cashback, up to Rs. 1000, on the transaction value of the first EMI done within the 90 days of card generation
- Enjoy the 'Buy one, get one' offer on movie tickets up to Rs. 500 on the Paytm app. This is valid twice per month
- All year long, get 300+ Merchant offers, and up to 20% discount at 1500+ restaurants
- Get a 15% discount at 3000+ Health and Wellness outlets
- Avail 4 complimentary domestic and international airport lounge access and spa visits every calendar quarter
- Get 2 complimentary Golf rounds/lessons per month
- Get complimentary Roadside Assistance worth Rs. 1,399
- Avail fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 400 every month
- Get an Air Accident Cover of Rs. 1 crore
- Avail Personal Accident Cover of Rs. 10,00,000 and Lost Card Liability Cover of Rs. 50,000
- Get comprehensive Travel Insurance Cover of USD 1200
- Now convert all transactions that are above Rs. 2,500 into easy and convenient EMIs from the mobile app
- Do instant EMI conversion for online transactions above Rs. 2,500 on the bank’s OTP page
- With the bank's balance transfer privilege, enjoy the convenient methods of transferring balances from your other bank credit cards
More details about the credit card can be found here.
IDFC FIRST WOW! Credit Card
This card is a deposit-backed premium credit card that guarantees to take care of all the individual's needs and desires. Enjoy the ultimate convenience and comfort with a lifetime-free premium Credit Card, which is bound to WOW the cardholder anytime, every time.
Following are some of the highlights of the IDFC FIRST WOW! Credit Card:
- There's zero documentation requirement and no credit score check requirement
- No joining fee/annual fee, simply enjoy a lifetime of premium rewards and benefits on VISA Infinite
- Get 4x Rewards on every spend
- Enjoy travelling around the world with the best-in-class zero Forex Mark-up fee
- All year long, enjoy retail therapy with 300+ merchant offers and 20% discount in over 1,500+ restaurants
- Aspire with the best-in-industry credit limit of a minimum of 100% of the FD value
- Rise higher with best-in-class 100% cash withdrawal of the FD value while enjoying uninterrupted interest on the same
- Get complimentary roadside assistance worth Rs. 1399
- Avail fuel charges waiver of 1% at fuel stations in India, up to Rs. 200 per month
- Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- Get up to 20% discount at 1500+ restaurants and 15% discount at 3000+ Health and Wellness outlets
- The welcome benefits include getting 5% cashback, up to Rs. 1000, on the first EMI that should be done within 90 days of card issuance
- Now instantly convert transactions above Rs. 2500 into easy and convenient EMIs
- With the bank's balance transfer privileges, pay off other bank credit card balances
- You can even pay using the reward points at partnered merchants and online purchases
- The card offers one of the lowest interest rates
More details about the credit card can be found here.
Conclusion
You might be wondering why to choose IDFC FIRST Bank credit cards. IDFC FIRST Bank credit cards are popular due to their offering of unique benefits like:
Lifestyle Benefits – Get huge discounts on movies, dining, shopping, complimentary rounds of golf every month, and much more.
Travel Benefits – Avail domestic and international complimentary airport lounge access, and domestic railway lounge access.
Other Benefits – One can enjoy various in-app online discounts, EMI facilities, discounts on health and wellness outlets, Balance Transfer Options, and much more.
In today's times, it has become essential to have easy access to credit, and it is indeed a substantial contributor to the growth of retail finance in India. Credit cards are one of the most popular credit tools because it requires the least documentation to acquire it. Upon obtaining a credit card, one can frequently use it without any other condition, which is subject to the limit available to you by the bank. To know how using a bank credit card contributes to improving credit score please click here. Besides these advantages, there are various other benefits of credit cards which come in the form of rewards, offers with some popular brands and cashback on EMI and other transactions. Altogether, a bank credit card surely adds good value to each individual's lifestyle when it uses judiciously. To apply for an IDFC FIRST Bank credit card online, simply visit its website or download the bank’s app. From the options, pick the credit card that suits your needs.
