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IDFC First Bank Credit Cards

IDFC First Bank has disrupted the Indian credit card market with genuinely zero-fee cards that offer benefits typically associated with paid premium cards. The FIRST Wealth card with unlimited lounge…

✅ Updated: May 2026 📋 All cards verified against official issuer websites 🏆 Rankings based on reward rate, fee value and real-world usability

IDFC First Bank has disrupted the Indian credit card market with genuinely zero-fee cards that offer benefits typically associated with paid premium cards. The FIRST Wealth card with unlimited lounge access at zero annual fee is arguably the best free card deal in India right now.

All IDFC First Bank Credit Cards

⭐ EDITOR'S TOP PICK
IDFC First Bank logo
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IDFC FIRST Wealth Credit Card

IDFC First Bank
Lifetime Free Lounge Access Travel Premium
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 10X rewards on online spends; 6X offline; no expiry
✅ Best for: Anyone wanting premium lounge access and high rewards for free
⭐ 4.8
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IDFC First Bank logo
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IDFC FIRST Select Credit Card

IDFC First Bank
Lifetime Free Cashback Lounge Access
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 6X rewards online; 3X offline; 10X on birthday
✅ Best for: Mid-level spenders wanting zero-fee card with decent rewards
⭐ 4.5
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IDFC First Bank logo
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IDFC FIRST Millennia Credit Card

IDFC First Bank
Lifetime Free Cashback Dining
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 5X Rewards on online; 3X offline; 10% off on Swiggy and Zomato
✅ Best for: Millennials spending on food delivery, shopping and OTT apps
⭐ 4.3
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IDFC First Bank logo
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IDFC FIRST Classic Credit Card

IDFC First Bank
Lifetime Free Cashback
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 4X Rewards on online spends; 2X offline; EMI on big purchases
✅ Best for: Budget-conscious spenders wanting rewards with zero fees
⭐ 4.1
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IDFC First Bank logo
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IDFC FIRST WOW! Credit Card

IDFC First Bank
Lifetime Free Rupay Cashback
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 5X Rewards on UPI; 3X on other spends; works on UPI as credit card
✅ Best for: UPI-first users wanting to earn credit card rewards on everyday payments
⭐ 4.1
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IDFC First Bank logo
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IDFC FIRST Power+ Credit Card

IDFC First Bank
Fuel Cashback
Annual Fee: ₹199
Joining Fee: ₹199
🎁 Rewards: 5% cashback on HPCL fuel; 4% on utility bills; 2% on groceries
✅ Best for: Middle-class households with high fuel and utility bills
⭐ 4.0
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