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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: November 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.

⏱ 1 min read📅 24 Mar 2026✍️ Raj Thakur
✅ Verified November 2026  ·  🔍 Reviewed by editorial team  ·  📊 Official bank data
RT
Raj Thakur
Credit Card Analyst · 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

All IDFC First Bank Credit Cards

⭐ EDITOR'S TOP PICK
IDFC First Bank logo
•••• d645

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
View Details Apply Now →
IDFC First Bank logo
•••• 3416

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
View Details Apply Now →
IDFC First Bank logo
•••• 6f3e

IDFC FIRST Bank Mayura Credit Card

IDFC First Bank
Lifetime Free Lounge Access Cashback
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 4X Rewards on all transactions; 10X on birthday; no cap
✅ Best for: Users wanting premium lounge access and rewards at zero fee
⭐ 4.4
View Details Apply Now →
IDFC First Bank logo
•••• da4f

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
View Details Apply Now →
IDFC First Bank logo
•••• eb16

IDFC FIRST Bank HPCL Power+ Credit Card

IDFC First Bank
Fuel Cashback Lifetime Free
Annual Fee: Free
Joining Fee: Free
🎁 Rewards: 6.5% value back on HPCL fuel; 5% on utility payments
✅ Best for: HPCL fuel users wanting maximum value back on petrol
⭐ 4.2
View Details Apply Now →
IDFC First Bank logo
•••• 07e1

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
View Details Apply Now →
IDFC First Bank logo
•••• a0a0

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
View Details Apply Now →
IDFC First Bank logo
•••• 4c56

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
View Details Apply Now →

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