Expert Selection 2026
Best Credit Cards for IDFC FIRST BANK LTD
New-age private bank known for lifetime free credit cards with industry-leading reward rates and zero forex markup.
Recommended Cards (17)
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Top Choice
IDFC FIRST BANK LTD
IDFC FIRST Power Credit Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- Special rewards on co-branded purchases
- Basic reward structure for everyday spending
IDFC FIRST BANK LTD
IDFC FIRST Mayura Credit Card
Excellent
Expert Score5.0
Joining Fee
₹5,999
Annual Fee
₹5,999
- Premium travel and lifestyle card
- 10X rewards on monthly spends ≥ ₹20k; 5X below that
- Up to 4 international + 4 domestic (4 guests) lounge visits yearly
IDFC FIRST BANK LTD
IDFC FIRST Ashva Plastic Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Plastic variant of Ashva card
- Same core benefits as metal variant
- Lower joining fees than metal version
IDFC FIRST BANK LTD
IDFC FIRST Ashva Metal Credit Card
Excellent
Expert Score5.0
Joining Fee
₹2,999
Annual Fee
₹2,999
- Premium metal variant
- Touch of excitement to everyday adventures
- Enhanced rewards and lifestyle benefits
IDFC FIRST BANK LTD
IDFC FIRST WOW! Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Secured credit card backed by deposits
- Lifetime free card
- Suitable for students/those without credit history
IDFC FIRST BANK LTD
IDFC FIRST LIC Select Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Premium offering of LIC cobranded card
- Enhanced benefits for insurance transactions
- Additional lifestyle rewards
IDFC FIRST BANK LTD
IDFC LIC Classic Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Co-branded with Life Insurance Corporation
- "Secure tomorrow, Live today" positioning
- Special benefits for insurance premium payments
IDFC FIRST BANK LTD
Club Vistara IDFC FIRST Credit Card
Excellent
Expert Score5.0
Joining Fee
₹4,999
Annual Fee
₹4,999
- Travel and rewards focused
- Special benefits for Vistara flyers and bookings
IDFC FIRST BANK LTD
IDFC FIRST SWYP Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Youth-oriented card
- Rewards/discounts on Tata CLiQ, Nykaa, Dominos
- UPI on RuPay
IDFC FIRST BANK LTD
IDFC FIRST EA₹N RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Assured cashback card
- Not eligible for overdue interest charges
- Simplified reward structure
IDFC FIRST BANK LTD
IDFC FIRST Power+ Credit Card
Excellent
Expert Score5.0
Joining Fee
₹499
Annual Fee
₹499
- Up to 6.5% valueback on HPCL fuel spends
- 3X rewards per ₹150 on Grocery, Utilities, Dining, HPCL, & IRCTC
- One complimentary domestic lounge access quarterly
IDFC FIRST BANK LTD
IDFC FIRST Private Credit Card
Excellent
Expert Score5.0
Joining Fee
₹50,000
Annual Fee
₹50,000
- Lowest interest rate at 9% p.a. (0.75% monthly)
- Golf & ITC Culinaire Select & Aster Prime Healthcare Membership
- Unlimited international & domestic lounge access (primary & addon)
IDFC FIRST BANK LTD
IDFC FIRST Digital RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹199
Annual Fee
₹199
- Add-on metal variant for existing IDFC FIRST cards
- Enables UPI payments using credit card
- Premium metal variant
IDFC FIRST BANK LTD
IDFC FIRST Wealth Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Premium lifestyle card
- Up to 10X rewards on every spend
- 1.5% forex markup on international transactions
IDFC FIRST BANK LTD
IDFC FIRST Select Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- For evolving lifestyle needs
- 10X rewards on spends ≥ ₹20k monthly
- 8X rewards on purchases < ₹20k monthly
IDFC FIRST BANK LTD
IDFC FIRST Classic Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Easy growing families
- 10X rewards on incremental spends ≥ ₹20k & birthday
- 3X rewards on spends < ₹20k per cycle
IDFC FIRST BANK LTD
IDFC FIRST Millennia Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- 10X rewards on birthday & spends ≥ ₹20k/month
- 8X rewards on insurance/utility payments
- 1X rewards on other spends
Frequently Asked Questions
How do I choose the best credit card for IDFC FIRST BANK LTD?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for IDFC FIRST BANK LTD with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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