IDFC First Bank is known for providing multiple beneficial credit cards, including a wide range of lifetime free cards. The IDFC bank was incorporated in 2014 after the Reserve Bank’s approval and eventually started its banking operations in 2015. Headquartered in Mumbai, IDFC Bank has more than 800 branches and 900 ATMs spread across the country. The bank operates across various business verticals, providing a wide array of services to its clients. The primary benefits and products provided by the bank also include credit cards.
As per RBI reports, the IDFC First Bank currently has more than 25 lakh active credit cards in the country as of March 2024. It has become a popular credit card issuer in the country and is known for offering exclusive cards with minimum charges. IDFC First Bank also has in its portfolio one of the best secured credit cards in India. The Wow! Credit Card can be availed by students or those without any credit history and offers decent rewards and a zero forex markup charge. In this article, you will find the list of all the IDFC Bank Credit Cards and all the information about the same:
IDFC First Bank entered the credit card industry in January 2021. IDFC First Bank came up with credit cards for both high-end customers as well as for mass customers. Most of these credit cards launched by the bank come with absolutely zero membership fees and provide you with a high accelerated reward rate on your spendings. The following are the best credit cards offered by the bank:
5% cashback on first EMI spend up to Rs. 1,000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 5,000 within 30 days of card generation
Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.
Vouchers worth Rs. 500 on spends of Rs. 15,000 within 90 days of card issuance. Also, get a 5% cashback on EMI transactions (up to Rs. 1,000) within 30 days of card issuance.
Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.
Gift vouchers worth Rs. 500 from popular brands on spending over Rs. 15,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.
200,000 Reward Points worth Rs. 50,000 and a complimentary Taj Epicure membership.
IDFC First Bank Credit Cards Rewards
Different IDFC First Bank Credit Cards offer different reward rates. Premium cards generally have higher reward rates compared to basic cards. Moreover, the reward rates may also vary for different categories. You can understand the reward benefits of all the IDFC First Credit Cards in the following table:
Cards
Rewards Points
IDFC First Millennia
10x RPs on every ₹100 spent on your birthdays
10x RPs for every ₹100 spent on purchases above ₹20,000
3x RPs on every ₹100 spent on online and offline spending up to ₹20,000
1 RP on every ₹100 spent
IDFC HPCL First Power Plus
30x RPs on HPCL fuel transactions per ₹150
3x RPs per ₹150 on retail transactions (UPI transactions including)
30x RPs on grocery, IDFC FIRST FASTag, and utility per ₹150 spent
IDFC FIRST WoW
4x RPs on each spend made with the card
IDFC First Select
10x RPs on every ₹100 spent on your birthdays
10x RPs for every ₹100 spent on purchases above ₹20,000
3x RPs on every ₹100 spent on online and offline spending up to ₹ 20,000
1 RP on every ₹100 spent
Club Vistara IDFC First
Get 6 CV Points on your spends up to ₹1 Lakh
Earn 4 CV points for every spend over ₹1 Lakh per statement cycle.
Get 10 CV Points on dining spends made on your Birthday
Get 1 CV Point on spends on Fuel, utility bills, rent, insurance, and wallet reloads
IDFC HPCL FIRST Power
5% savings on fuel
2.5% savings on grocery, utilities, and IDFC First FASTag recharge
21x RPs on HPCL fuel transactions
2x RPs on other transactions (including UPI)
IDFC First Classic
10x RPs on every ₹100 spent on your birthdays
10x RPs for every ₹100 spent on purchases above ₹20,000
3x RPs on every ₹100 spent on online and offline spending up to ₹20,000
1 RPs on every ₹100 spent
IDFC Bank FIRST SWYP
200 RPs on monthly spends of ₹5,000
500 RPs on monthly spends of ₹10,000
1,000 RPs on monthly spends of ₹15,000
IDFC First Wealth
10x RPs on every ₹100 spent on your birthdays
10x RPs for every ₹100 spent on purchases above ₹20,000
3x RPs on every ₹100 spent on online and offline spending up to ₹20,000
1 RP on every ₹100 spent
IDFC First Private
3 RPs on every ₹100 spent offline and 6 RPs on every ₹100 spent online up to ₹30,000
10x RPs on all spends (after achieving a monthly spend of ₹30,000)
Reward Redemption
The reward points earned on IDFC First Bank credit cards can be redeemed at the Poshvine Reward Portal, exclusive partner stores, or online at e-commerce stores such as Amazon, Flipkart, Myntra, etc. 1 Reward Points = ₹0.25 for redemption for all IDFC First Bank credit cards. You have to pay a convenience fee of ₹99 plus taxes on reward redemption with IDFC First Bank credit cards. Moreover, the Karma Points that you earn using the IDFC First Private Credit Card are donated to a charity chosen by you in your name. Once you accrue 20,000 Karma Points, the points will automatically be donated at a monetary value of 1 Karma Point = ₹0.25
Free Airport/Railway Lounge Access With IDFC Bank Credit Cards
Many people love traveling, and free lounge access to various railway and airport lounges makes their travel experiences extra luxurious without any additional spends. The IDFC First Credit Cards offer complimentary airport/railway lounge access, and you can find detailed information about the same in the following table:
Cards
Airport Lounge Access
Railway Lounge Access
IDFC First Millennia
N/A
4 Free Railway Lounge Access Every Calendar Quarter
IDFC HPCL First Power Plus
1 Complimentary Domestic Lounge Access Every Quarter
N/A
IDFC First Select
2 Complimentary Domestic Lounge Access Every Calendar Quarter
4 Free Railway Lounge Access Every Calendar Quarter
Club Vistara IDFC First Credit Card
1 International Lounge Access Every Calendar Quarter
2 Domestic Lounge Access Every Calendar Quarter
N/A
IDFC First Classic
N/A
4 Free Railway Lounge Access Every Quarter
FIRST SWYP Credit Card
N/A
4 Free Railway Lounge Access Every Calendar Quarter
IDFC First Wealth
2 Complimentary Domestic and International Lounge Access Each Quarter
4 Free Railway Lounge Access Every Calendar Quarter
IDFC First Private Credit Card
Unlimited Domestic and International Lounge Access Each Quarter for Primary as Well as Add-On Cardholders
N/A
Application Process for IDFC First Credit Cards
Looking to apply online for IDFC Credit Cards? Apply now for IDFC Credit Cards with Card Insider. You can compare multiple cards offered by IDFC Bank and choose the one that suits you the most. Check out IDFC First Credit Card rewards, cashback, offers, fees, and more on our website. Before applying for the new IDFC Credit Card, keep a few documents like a PAN Card handy. You can also apply for IDFC Credit Cards offline by going to the nearest IDFC First Bank.
How to Check IDFC First Credit Card Application Status?
To track your IDFC First credit card application status, visit IDFC First Bank’s homepage.
The IDFC First Bank provides its customers with various methods to activate their credit cards. One can do it online as well as offline at their comfort by utilizing any of the procedures given below:
You can activate your credit card at any IDFC First Bank ATM. Just visit the ATM nearest to you, insert your credit card, and find an option to generate a new PIN using OTP. You will receive an OTP on your registered mobile number. After entering that, you can activate your card easily.
Another way to activate a new IDFC First Credit Card is by using IDFC First Bank’s mobile banking application. Log in to the application, and then you can activate your card quickly by going under the Manage Card > Set Pin section.
You can also contact IDFC First Bank Credit Card customer care (1860 500 1111) to assist you in activating your credit card.
IDFC First Credit Cards Latest News
May 2024
Many of the IDFC First Credit Cards have been devalued as of 1st May 2024. In many cards, the value of Buy One Get One movie offers has been reduced, while some have also witnessed a reduction in reward rate earning on online spends. Also, any utility payments exceeding ₹20,000 in a statement cycle will attract a charge of 1% plus GST. This charge applies only to utility transactions made for commercial purposes and won’t affect ordinary users. This change is applicable to all IDFC Credit Cards except the FIRST Private Credit Card, LIC Classic Credit Card, and LIC Select Credit Card.
Bottom Line
Even though IDFC First Bank has entered the credit card market in recent times, they have established themselves as a rewarding brand in India. With a range of lifetime free cards, customers can get a credit card at zero joining fees and earn rewards on spends. With an IDFC Bank Credit Card, you shall find a specific credit card for every category whether it is for fuel, luxurious spends, regular use, or even philanthropy. These cards not only offer a decent reward rate but you can also get additional benefits in the form of welcome benefits and milestone spending benefits with these credit cards.
Quickly compare the features and rewards of different IDFC Bank Credit Cards with Card Insider and apply for the best choice.
IDFC First bank provides a lost card liability cover on all its credit cards. The cardholder can block/cancel the respective credit card within a stipulated period of 7 days from the date of the fraudulent transaction recorded with the credit card. The cardholder can notify the bank in case of any fraudulent transactions through SMS/Card statement/Email/Net Banking or by any other means.
No, there is no joining or renewal fee with the majority of IDFC First Credit Cards. You can make use of most of the IDFC First Credit Cards since they are free for life. Some cards like the First Power, First Power Plus, and IDFC Vistara Credit Cards come with joining and annual fees.
There is no expiry date for reward points accumulated using IDFC First credit cards. The reward points accrued to the cardholder never expire and be carried forward to the next year.
The cardholder gets charged with interest rates ranging from 0.75% to 1.99% on all IDFC First Bank credit cards depending upon the credit background of the individuals.
No, each IDFC First Bank Credit Card offers different rewards and benefits. While some might offer free airport lounge access some only offer complimentary access to railway lounges. Most IDFC Bank Credit Cards offer free railway lounge access while a few also offer two free domestic lounge visits each quarter. The IDFC First Private offers unlimited domestic and international lounge access to both primary and add-on credit card holders.
You can Call the 24X7 IDFC First Bank customer care number at 1860 500 1111. You can also reach out to the Bank with your queries through NetBanking/Mobile Application
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