IDFC first bank best credit cards 2026
Looking for the best IDFC First Bank credit cards in 2026?
IDFC FIRST Bank offers credit cards that are designed to suit different lifestyles. Whether you love shopping, enjoy traveling, or prefer cards with no annual fees, there’s something for you. Some of the cards come with lifetime-free membership, so you don’t have to worry about yearly charges. You also get dynamic cashback and faster reward points on popular spending categories. Best of all, there are no hidden fees. Explore the top IDFC FIRST Bank credit cards below and choose the one that matches your financial needs.
- Fees & Offers: ₹0 joining/annual fee; limited-time 100% cashback up to ₹200 on first 4 UPI transactions.
- Credit Limit: Minimum 100% of FD value; can be increased by adding more to FD (starting from ₹5,000).
- Cash Withdrawals: Interest-free ATM withdrawals for up to 45 days; ₹199 + GST per withdrawal.
- Reward Points: Earn 4X reward points on travel spends and up to 3X on UPI transactions; points never expire.
- FD-Backed Issuance: Instant approval with no income proof or credit history required; minimum ₹20,000 FD needed.
- Zero Forex Markup: No forex conversion fees on international transactions; ideal for global travel.
- ₹2500+ spends can be converted to EMIs, no interest
- ₹20,000 rent = 400 RP; ₹15,000 spend = 1000 RP
- ₹500 off flights + ₹700 off hotels via EaseMyTrip
- ₹200 fuel waiver + free railway lounge + roadside help
- Earn referral rewards
- Dominos: 20% off, Zomato: 10% off, SUGAR Cosmetics: 20% off up to ₹270, EaseMyTrip: 10% off up to ₹500
- 5% fuel savings + 1.5% via HP Pay, worth ₹6,000/year
- 5% back on groceries/utilities, capped at ₹100/month
- ₹500 fuel cashback + ₹1,000 EMI cashback on joining
- Free lounge access quarterly with ₹20,000 monthly spend
- ₹0 annual fee on ₹1.5L spend + rewards never expire
- Interest-free ATM withdrawals up to 48 days, annual fee waived on ₹1.5L yearly spend, rewards never expire, EMIfy purchases over ₹2,500.
- Joining & Annual Fee: ₹5,999 + GST (non-refundable), payable upfront for dispatch. Same amount applies annually.
- UPI-Enabled: Card supports UPI payments, combining metal luxury with digital convenience.
- Lounge Access: Domestic airport lounge access included (exact frequency not specified on main page).
- Reward Potential: Up to 60X reward points on select categories (details not fully disclosed on this page).
- Heritage Branding: Marketed as a lifestyle symbol rooted in Indian culture, not just a financial tool.
- Joining & Renewal Fee: ₹2,999 + GST annually; metal card variant with Visa Infinite privileges.
- 7,500 Reward Points split across 3 milestones—joining fee payment, ₹20K spend in 2nd and 3rd statement cycles.
- 10X RP on ₹150 above ₹20K/month
- 4 domestic + 2 international lounge visits/quarter
- 2 free golf rounds/month on ₹20K spend
- Bonus RP: up to 15,000/month on travel bookings.
- 1% cashback via IDFC app; 0.5% on other UPI apps, utilities, wallets, and insurance. Max ₹500/month.
- 100% cashback up to ₹500 on first UPI transaction via IDFC app within 15 days (limited-time).
- Hotels: 8.5% total cashback; Flights: 4.5%. Monthly cap ₹2,000.
- 25% off on movie tickets via District app, capped at ₹100/month (₹1,200/year).
- Free Roadside Assistance worth ₹1,399; optional physical card for ₹199.
- ₹499 + GST; secured card issued against minimum ₹5,000 fixed deposit.
Disclaimer: The credit card offers, rewards, and benefits listed on this page are subject to change at the discretion of the issuing bank. We strive to keep the information accurate and up to date, but we do not guarantee the availability or approval of any product. Cashback rates, fees, and eligibility criteria may vary based on your profile and usage. We may earn a commission when you apply through our links, at no extra cost to you.
🔍 Frequently Asked Questions
Yes, most IDFC FIRST Bank credit cards—including Millennia, Select, and Wealth—are lifetime free, with no joining or annual fees. This makes them ideal for long-term use without hidden costs
IDFC FIRST Bank offers interest rates starting from 0.75% per month, among the lowest in India. Rates vary based on your credit profile and card type
Explore the options from the above list and click Apply Now or apply via IDFC First Bank website
The process is digital, and eligible users may get instant approval
Typically, you’ll need:
PAN card
Aadhaar or other address proof
Income proof (salary slip or ITR)
Bank statement (optional for pre-approved users)
Immediately block the card via the app or customer care. You can also request a replacement card online. IDFC FIRST Bank offers zero liability on fraudulent transactions reported promptly.