Best IDFC FIRST Bank Credit Cards

Credit cards are not just about spending money. They help you manage your finances, earn rewards, and enjoy extra benefits like discounts, lounge access, and cashback. But the key is to choose the right one based on your spending habits and lifestyle. If you are looking for a card that gives you maximum value, then IDFC FIRST Bank credit cards are a great option.

IDFC FIRST Bank is known for offering customer-friendly and feature-rich credit cards with no annual or joining fees for most cards. Whether you are a student, a salaried professional, a business owner, or someone who travels often, there’s a card for you. In this article, we will talk about the best IDFC FIRST Bank credit cards in 2025. We’ll explain their features, who should use them, and how to apply. This guide is written in simple language and aims to answer all your questions.

Why Choose IDFC FIRST Bank Credit Cards?

Before we go into the list of the best cards, let’s look at why IDFC FIRST Bank is a preferred choice:

• Lifetime Free Cards: Most of their credit cards have no joining or annual fees.
• Transparent Charges: No hidden costs or extra charges.
• High Reward Value: Earn reward points on every spend.
• Useful for Everyone: Cards are available for all types of users — from beginners to frequent travelers.
• Quick Digital Process: Easy online application and fast approvals.

Best IDFC FIRST Bank Credit Cards in 2025

Here are the most useful IDFC FIRST credit cards available in 2025. Each card has been selected based on its benefits, rewards, and suitability for different users.

1. IDFC FIRST Millennia Credit Card

Who should use this: Best for young professionals and online shoppers.

This card is ideal if you like to shop online and want cashback and reward points. It offers great value with no annual charges.

Key Features:

• 5% cashback on Amazon, Flipkart, and other top online platforms (through reward points).
• 3X to 10X reward points on various categories like groceries, travel, and dining.
• Zero annual fee and lifetime free usage.
• Complimentary access to railway lounges.
• Fuel surcharge waiver up to ₹200 per month.
• Interest-free cash withdrawals for up to 48 days.
• Spend ₹15,000 in 90 days to get welcome vouchers worth ₹500.

Best for: Salaried individuals who shop and pay bills online regularly.

2. IDFC FIRST Classic Credit Card

Who should use this: Best for salaried and self-employed users.

This is a well-balanced card for regular usage. It gives you reward points, fuel benefits, and dining discounts.

Key Features:

• Earn 3X to 10X reward points based on how much you spend.
• 10X points on spends above ₹20,000 per billing cycle.
• 25% discount on movie tickets up to ₹100 per month.
• Up to 20% off on dining at partner restaurants.
• Railway lounge access – 4 times per quarter.
• Zero forex markup (great for international transactions).
• Lifetime free card.

Best for: Daily spenders who want value from every rupee spent.

3. IDFC FIRST Wealth Credit Card

Who should use this: Best for high-income individuals and premium users.

This is a luxury credit card offering exclusive benefits such as lounge access, golf privileges, and travel perks.

Key Features:

• Unlimited free access to domestic and international lounges.
• Complimentary railway lounge visits.
• Golf privileges – free rounds and coaching.
• Zero forex markup on foreign transactions.
• Personal concierge services.
• Higher reward points on travel, dining, and lifestyle spending.
• Card is free for life, no annual or joining fee.

Best for: Frequent travelers and users looking for premium lifestyle features.

4. IDFC FIRST Wow Credit Card

Who should use this: Best for beginners and those looking for a secured card.

This is a secured credit card backed by a fixed deposit. It’s great for building credit history.

Key Features:

• Can be issued even without a credit score.
• Backed by FD of minimum ₹5,000.
• Earn up to 4X reward points on online and offline spends.
• 0.75% cashback on all spends above ₹100.
• 4 free railway lounge accesses annually.
• Free for life.

Best for: Students, homemakers, or anyone looking to start their credit journey.

5. IDFC FIRST Select Credit Card

Who should use this: Best for users looking for premium features without a fee.

This card combines lifestyle, travel, and everyday benefits and is best suited for people with steady income and mid to high spending.

Key Features:

• 10X reward points on spends above ₹25,000/month.
• Free access to railway lounges.
• Free movie tickets worth ₹250 per month.
• Buy 1 Get 1 offer on BookMyShow movies.
• Fuel surcharge waiver.
• No annual fee – lifetime free.

Best for: Professionals and families who spend ₹25,000+ monthly.

6. IDFC FIRST Power Credit Card

Who should use this: Best for people who spend regularly on fuel and utility bills.

This card offers higher rewards for fuel and essential payments.

Key Features:

• 6.25% savings on fuel purchases.
• 4% cashback on utility bill payments.
• 2% cashback on groceries.
• Fuel surcharge waiver on all petrol pumps.
• Access to 4 domestic lounges per year.
• Low joining fee of ₹199.

Best for: Car owners, utility payers, and those who want value on essentials.

How to Apply for IDFC FIRST Bank Credit Card?

Applying for an IDFC FIRST Bank credit card is easy and completely online. Here’s how:

1. Visit the official IDFC FIRST Bank website.
2. Click on ‘Credit Cards’ and choose the card you like.
3. Fill out the online application form.
4. Upload your documents (ID proof, PAN, income proof).
5. You may get instant approval if eligible.

You can also apply offline by visiting the nearest IDFC FIRST Bank branch.

Eligibility Criteria

• Minimum age: 21 years (for salaried), 23 years (for self-employed).
• Minimum monthly income: ₹15,000 to ₹50,000 depending on card.
• Must have a valid PAN and address proof.
• Good credit score helps, but some cards are available without a score.

Required Documents

• PAN Card
• Aadhaar Card or Voter ID/Passport
• Income proof (salary slip/ITR/Form 16)
• Bank statement (last 3 months)

Tips to Choose the Right IDFC FIRST Credit Card

• If you’re a student or new to credit: Go for the Wow Credit Card.
• If you shop online often: Choose the Millennia Credit Card.
• If you want travel and lounge access: Wealth or Select Card is ideal.
• If your main expenses are fuel and utilities: Go for the Power Credit Card.
• If you want lifetime free with solid rewards: The Classic Credit Card is perfect.

FAQs

Q1: Are IDFC FIRST credit cards lifetime free?
Yes, most IDFC FIRST credit cards come with no joining or annual fee. Always check terms during application.

Q2: Can I get a credit card without a credit score?
Yes, the IDFC FIRST Wow Credit Card is available with a fixed deposit and doesn’t require a credit history.

Q3: How are reward points calculated?
Most cards offer 3X to 10X reward points depending on the spend type and amount. You can redeem them for cashback, vouchers, or travel bookings.

Q4: Do these cards have hidden fees?
No, IDFC FIRST Bank is known for transparent terms and clear communication. Still, always read the terms before applying.

Q5: How long does it take to get the card?
If all documents are in order, approval can happen instantly and the card is dispatched within 7–10 days.

Final Thoughts

IDFC FIRST Bank credit cards are some of the best in India in 2025. They offer strong rewards, lifetime free usage, and great benefits on shopping, travel, dining, and fuel. Whether you’re a beginner or a premium customer, you’ll find a card that suits your needs.

Go through the options listed above, understand your spending habits, and apply for the card that gives you the maximum value. With the right card, you can save more, earn better rewards, and enjoy a smarter lifestyle.

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