IDFC First Bank Credit Cards - Lifetime Free, Zero Forex & More | card24.ai
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IDFC FIRST Bank Credit Cards

IDFC FIRST Bank Credit Cards

Lifetime Free. Zero Forex. No Compromises.

Compare IDFC First Bank credit cards - from lifetime free everyday cards to premium metal travel cards with zero forex markup.

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Which IDFC First Bank Credit Card Should You Choose?

☀️

Choose Choose Select or Classic if if

You want premium benefits with zero annual fee - lounge access, rewards, and dining perks for life.

✈️

Choose Choose Wealth if if

You travel internationally and want zero forex markup, lounge access, and travel insurance at no annual fee.

⛽

Choose Choose Power Plus if if

You spend heavily on fuel, groceries and utility bills and want up to 5% back on every transaction.

💻

Choose Choose Millennia if if

You spend online across platforms and want 10X rewards on every digital and dining transaction.

👑

Choose Choose Mayura or Private if if

You spend big and want India's most rewarding metal cards - unlimited lounge access and zero forex.

IDFC First Bank Credit Cards - Overview

IDFC First Bank is one of India's fastest-growing private sector banks and has built one of the most distinctive credit card portfolios in the country - centred around a simple proposition: most of its cards are lifetime free. With over 45 lakh active credit cardholders as of 2025, IDFC First Bank credit cards have earned a reputation for transparent pricing, generous reward earn rates, zero forex markup on travel cards, and features like never-expiring reward points. The portfolio spans FD-backed secured cards for credit beginners, lifetime free everyday and travel cards, HPCL co-branded fuel cards, airline co-brands with IndiGo and LIC, and premium metal cards for high spenders.

IDFC First Bank's Lifetime Free Cards - What Makes Them Different

Lifetime free credit cards are IDFC First Bank's defining market position. Unlike most banks where lifetime free is limited to one or two entry-level cards, IDFC First Bank offers multiple lifetime free cards across segments - including the Select, Wealth, Millennia, and Classic credit cards - all with zero joining fee and zero annual fee, with no minimum spend condition to retain that status.

This is genuinely unusual in the Indian credit card market. The Wealth card, for example, offers zero forex markup, lounge access, and ₹1 crore air accident cover - all lifetime free. The Select card offers lounge access, 10X rewards on high spends, and dining benefits - also lifetime free. The Millennia card offers 10X on online spends and movie benefits - lifetime free.

For users wondering which IDFC First Bank credit card is lifetime free: the Select, Wealth, Millennia, Classic, WOW, EA₹N, and Power cards all carry no annual fee - making IDFC First Bank the bank with the widest lifetime free credit card range in India.

Types of IDFC First Bank Credit Cards

IDFC First Bank credit cards span seven categories:

  • Premium Metal Cards - The IDFC First Mayura Credit Card and IDFC First Ashva Credit Card are IDFC's premium metal flagship cards, offering zero forex markup, unlimited lounge access via Elite Assist, golf privileges, and high reward earn rates. The IDFC First Private Credit Card sits above both - an invite-only ultra-premium card with unlimited global lounge access, Club ITC Culinaire membership, and Taj Epicure benefits. Importantly, the Private card is unaffected by IDFC's 2024-25 reward devaluations.
  • Premium Lifetime Free Cards - The IDFC First Select Credit Card and IDFC First Wealth Credit Card sit in the upper-mid tier with lounge access, zero forex (Wealth), and 10X reward multipliers - both lifetime free. The Select is IDFC's most searched individual card with 5,400 monthly searches.
  • Everyday Lifetime Free Cards - The IDFC First Millennia Credit Card earns 10X on online spends, dining, and entertainment. The IDFC First Classic Credit Card is the entry-level everyday LTF card with reward points on all spends.
  • FD-Backed Secured Cards - The IDFC First WOW Credit Card and IDFC First EA₹N Credit Card are issued against a fixed deposit, requiring no income proof or credit score. The WOW card uniquely offers zero forex markup - rare for a secured card.
  • Fuel & Utility Cards - The IDFC First Power+ Credit Card and IDFC First Power Credit Card are co-branded with HPCL, offering 5% back on fuel, grocery, utilities, and FASTag recharges.
  • Youth & Lifestyle - The IDFC First SWYP Credit Card targets young spenders with rewards on OTT, dining, and entertainment.

How to Choose the Right IDFC First Bank Credit Card

Selecting the right IDFC First card depends on spend profile and income:

  • For zero-fee everyday rewards - The Select or Classic cards are the strongest lifetime free picks. Select offers lounge access and 10X rewards for mid-to-high spenders; Classic suits entry-level users.
  • For international travellers - The Wealth Credit Card is the standout: zero forex, lounge access, and comprehensive travel insurance - all at no annual fee. No other lifetime free card in India matches this combination.
  • For online and entertainment spends - The Millennia Credit Card earns 10X on digital transactions, OTT, and dining. It is the strongest option for digital-first lifestyle spenders.
  • For fuel savings - The Power+ Credit Card offers 5% back on HPCL fuel, grocery, utilities, and FASTag - the best fuel card in IDFC's portfolio for users spending ₹3,000+ on fuel monthly.
  • For credit beginners - The WOW or EA₹N cards require only a fixed deposit - no income proof, no credit history. The WOW card even includes zero forex markup.
  • For premium users - The Ashva (₹12L+ income) or Mayura (₹25L+ income) metal cards offer unlimited lounge access via Elite Assist, zero forex, and the highest reward earn rates in IDFC's portfolio.

Eligibility: IDFC First credit cards require applicants to be 18+ years old, salaried or self-employed. Most LTF cards require a minimum income of ₹3-4 lakh per annum. Premium metal cards require ₹12-25 lakh. CIBIL score of 700+ is recommended; 750+ for premium variants.

IDFC First Bank Reward Changes - What Cardholders Need to Know

IDFC First Bank has issued two significant reward programme updates in 2024-25 that existing and prospective cardholders should be aware of:

May 2024 Changes: Reward earn rates were cut across most cards. The spend unit for earning points moved from ₹150 to ₹200, effectively reducing the earn rate by 25%. A 1% surcharge was introduced on utility bill payments above ₹20,000 per statement cycle. Lounge access and golf benefits on Select and Wealth cards were downgraded. International spend earn rates on Mayura and Ashva were cut from 10X to 5X.

February 2025 Changes: A 1% fee (minimum ₹249) now applies when paying education fees through third-party platforms. Fuel spends above ₹30,000 per billing cycle attract a 1% surcharge on the full amount. Fuel surcharge waiver capped at ₹300/month for Ashva, Mayura, and Wealth cards.

The IDFC First Private Credit Card remains unaffected by both rounds of changes.

Additionally, from September 16, 2025, IDFC First discontinued domestic lounge access via DreamFolks and transitioned to Elite Assist. Cardholders must register on Elite Assist to access eligible lounges. card24.ai's individual card review pages reflect the most current verified benefits.

Fees, Interest Rates & Card Management

IDFC First Bank credit card interest rates are dynamic - ranging from 8.5% to 47.88% per annum depending on credit profile, which is lower than the standard 42% market rate for users with strong credit scores.

Most IDFC First cards are lifetime free. Where fees apply - Ashva (₹4,999), Mayura (₹9,999) - they are waived on meeting annual spend thresholds.

For card management:

  • Check your IDFC First Bank credit card application status at the 'Track My Application' page on the IDFC FIRST Bank website using your reference number, DOB, and mobile number.
  • Activate your card via the IDFC FIRST Bank mobile app under the Credit Cards section.
  • Pay your IDFC First Bank credit card bill via the IDFC FIRST Bank app, UPI, NEFT, or auto-debit.
  • For IDFC First Bank credit card customer care, call 1860 500 1111 or 1800 10 888 (toll-free) for application status, card blocking, or any service requests.

Frequently Asked Questions

Everything you need to know about IDFC FIRST Bank credit cards.

The best IDFC First Bank credit card depends on your spending profile. For premium benefits at zero annual fee, the IDFC First Select Credit Card is the most popular choice - lounge access, 10X rewards, and dining benefits, all lifetime free. For international travellers, the Wealth Credit Card offers zero forex markup with lounge access, also lifetime free. For online-first spenders, the Millennia Credit Card earns 10X on digital and dining spends. For fuel savings, the Power+ is the top pick. For beginners with no credit score, the WOW card (FD-backed) is the entry point. For ultra-premium users, Mayura or the invite-only Private card offer the highest tier.

IDFC First Bank offers more lifetime free credit cards than any other bank in India. The following cards carry no joining fee and no annual fee for life - with no minimum spend condition: IDFC First Select, Wealth, Millennia, Classic, WOW, EA₹N, Power, and the entry IndiGo and LIC co-brand variants. The Ashva and Mayura metal cards carry annual fees (₹4,999 and ₹9,999 respectively), waived on meeting spend thresholds. The Private card is invite-only with a premium fee structure.

The IDFC First WOW Credit Card is IDFC's FD-backed secured credit card - designed for users with no credit history, no income proof, or a low CIBIL score. It is issued against a fixed deposit with IDFC First Bank (minimum ₹20,000 FD), with the credit limit set at approximately 100% of the FD amount. Uniquely for a secured card, WOW comes with zero forex markup - making it one of the few FD-backed cards in India that is also a viable travel card. It carries no annual fee and helps users build a credit score from scratch.

IDFC First Select Credit Card benefits include: complimentary airport lounge access (via Elite Assist, effective September 2025), 10X reward points on monthly spends above ₹30,000, 3X on dining and entertainment, 1X on all other spends, fuel surcharge waiver, Buy 1 Get 1 movie ticket offer on BookMyShow, and roadside assistance. The card is lifetime free with no joining or annual fee. Note: Lounge access and reward earn rates were revised as part of IDFC's May 2024 devaluation - verify current terms on the card24.ai Select review page.

Apply for an IDFC First Bank credit card via the IDFC First Bank website, the IDFC First Bank mobile app, or card24.ai. The application is 100% digital - paperless KYC with approval in minutes for eligible applicants. Basic eligibility: 18+ years, salaried or self-employed, minimum income of ₹3-4 lakh per annum for standard cards. For premium cards (Ashva, Mayura), higher income thresholds apply. The WOW and EA₹N cards require only a fixed deposit - no income proof or CIBIL score needed.

To check your IDFC First Bank credit card application status, visit the 'Track My Application' page on the IDFC First Bank website and enter your application reference number, date of birth, and registered mobile number. Common statuses include 'In Progress', 'On Hold', 'Approved', 'Dispatched', and 'Rejected'. You can also call IDFC First Bank credit card customer care on 1860 500 1111 or 1800 10 888 for a status update. Processing typically takes 3-5 working days post-document verification.

The IDFC First Power Plus Credit Card is IDFC's co-branded fuel and utility card, issued in partnership with HPCL. It offers 5% back on fuel purchases at HPCL pumps, 5% back on grocery spends, 5% on utility bill payments, and rewards on FASTag recharges. It is the strongest card in IDFC's portfolio for users who spend ₹3,000 or more per month on fuel. Note: from February 2025, fuel spends above ₹30,000 per billing cycle attract a 1% surcharge - the waiver is capped at ₹300/month.

Yes. IDFC First Bank launched the IndiGo IDFC First Credit Card, available on both Mastercard and RuPay networks, for frequent IndiGo flyers. It earns IndiGo BluChips on all spends and bonus BluChips as milestone rewards on IndiGo flight bookings. Regarding Club Vistara: Vistara merged with Air India in November 2024, dissolving the Club Vistara programme. Any previous Club Vistara IDFC First card benefits have transitioned to Air India Flying Returns. Verify current status at the IDFC First Bank website or the card24.ai review page.

The IDFC First Millennia Credit Card is a lifetime free card designed for digital-first and lifestyle-oriented spenders. It earns 10X reward points on online transactions, dining, and entertainment spends, and 3X on all other eligible spends. Key benefits include Buy 1 Get 1 movie tickets on BookMyShow, discounts on food delivery platforms, and rewards that never expire. It is best suited for users between 22-35 who spend heavily online, on food delivery, and on entertainment - with no annual fee commitment.

Pay your IDFC First Bank credit card bill via the IDFC FIRST Bank mobile app, internet banking at idfcfirstbank.com, UPI, NEFT, or auto-debit from your IDFC First Bank savings account. The app supports autopay setup for the full outstanding amount - recommended to avoid interest charges. For any payment-related queries, call IDFC First Bank credit card customer care on 1860 500 1111.