Best IDFC FIRST Bank Credit Cards
IDFC FIRST Bank has gained massive popularity by offering feature-rich, lifetime free credit cards with never-expiring reward points. Compare IDFC FIRST's lineup, including the Classic, Select, Wealth, and the secured WOW credit card.
Top Credit Cards Comparison Table
| Credit Card | Joining Fee | Annual Fee | Key Reward Rate | Action |
|---|---|---|---|---|
| IDFC FIRST Bank Classic | Lifetime Free | Nil | Up to 10X rewards on eligible monthly spends as per IDFC FIRST terms. | Compare Apply |
| IDFC FIRST Bank Select | Lifetime Free | Nil | Up to 10X never-expiring rewards on eligible spends. | Compare Apply |
| IDFC FIRST Bank Wealth | Lifetime Free | Nil | Up to 10X never-expiring rewards on eligible spends. | Compare Apply |
| IDFC FIRST Bank WOW | Lifetime Free | Nil | Reward points on eligible spends; secured-card terms apply. | Compare Apply |
| IDFC FIRST Bank Power | Rs. 199-499 | Rs. 199-499 | Fuel and grocery value-back as per IDFC FIRST Power terms. | Compare Apply |
| IDFC FIRST Bank Power Plus | Rs. 499 | Rs. 499 | Higher savings on eligible fuel spends; caps and station rules apply. | Compare Apply |
| IDFC FIRST Bank FIRST Earn | FD-backed | See issuer page | Up to 1% cashback on eligible UPI spends as listed by IDFC FIRST. | Compare Apply |
| IDFC FIRST Bank SWYP | See card link | See card link | Reward structure depends on selected benefits and current issuer terms. | Compare Apply |
Detailed Card Reviews
IDFC FIRST Bank Classic
Lifetime-free card with never-expiring rewards and accessible eligibility.
- Lifetime free
- Never-expiring rewards
- Railway lounge
IDFC FIRST Bank Select
Lifetime-free travel and lifestyle card for users with higher income eligibility.
- Lifetime free
- Domestic lounge
- Never-expiring rewards
IDFC FIRST Bank Wealth
Lifetime-free premium card with domestic and international travel privileges.
- Lifetime free
- Domestic lounge
- International lounge
IDFC FIRST Bank WOW
FD-backed card designed for approval flexibility, zero forex markup, and credit building.
- FD-backed
- Zero forex markup
- No income document
IDFC FIRST Bank Power
Fuel card with UPI readiness, welcome value, and fuel savings for road users.
- Fuel savings
- UPI-ready
- Grocery rewards
IDFC FIRST Bank Power Plus
Enhanced fuel card with richer value-back and airport lounge benefits.
- Higher fuel savings
- UPI-ready
- Airport lounge
IDFC FIRST Bank FIRST Earn
Virtual RuPay card against FD with UPI cashback and no income document requirement.
- UPI cashback
- FD-backed
- Virtual card
IDFC FIRST Bank SWYP
Flexible IDFC FIRST card for users who prefer customizable benefits and lifestyle offers.
- Custom benefits
- Lifestyle rewards
- Flexible redemption
Why IDFC FIRST Bank Cards Stand Out
All core IDFC FIRST Bank credit cards (Classic, Select, Wealth) are issued lifetime free with zero annual fees. Furthermore, the reward points you earn never expire, and you can redeem them for online purchases or statement credits. These cards also offer low interest rates (starting at 9% per annum) compared to the industry average of 36% to 42%.
Secured Credit Card: IDFC FIRST WOW
The IDFC FIRST WOW is a highly recommended secured credit card. It requires no income proof and is issued instantly against a fixed deposit (minimum Rs. 5,000). It offers a 100% deposit-backed credit limit, zero forex markup fees, and earns reward points, making it the ultimate card for credit building and international students.
Frequently Asked Questions
Do IDFC First credit card rewards expire?
No, IDFC FIRST credit card reward points have lifetime validity and never expire, giving you complete flexibility on when to redeem them.
Which IDFC First card offers free lounge access?
The IDFC FIRST Select offers complimentary domestic lounge access, and the IDFC FIRST Wealth offers both domestic and international lounge access, subject to quarterly spending criteria.