IDFC FIRST Bank credit cards we compare
9 IDFC FIRST cards side by side, and which one suits each kind of spend. Facts from IDFC FIRST's own pages.
9 cards · last verified 20 Oct 2026 · how we compare
All IDFC FIRST cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| IDFC FIRST Bank HPCL FIRST Power Credit CardHPCL fuel earns 3.5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries and utilities 2.5%, FASTag recharge 2.5%, other spends about 0.33%; each category is capped per statement cycle. | ₹199 joining, ₹199 a year | 0.33% | Yes | None | Fuel, UPI and RuPay, Bills and utilities, Zero forex | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Bank HPCL FIRST Power+ Credit CardHPCL fuel earns 5% back in reward points (plus 1.5% more in Happy Coins via the HP Pay app), groceries, utilities and FASTag recharge 5%, other spends 0.5%; category caps apply, plus a free domestic lounge visit each quarter. | ₹499 joining, ₹499 a year | 0.5% | Yes | 4 domestic a year | Fuel, Online shopping and groceries, UPI and RuPay, Bills and utilities, Self-employed, Zero forex, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Classic Credit CardReward points worth 1.25% back on dining (including food delivery), travel and spends on your birthday, 0.375% on most other spends, and 0.125% on utilities, insurance, railway tickets and FASTag. From 26 October 2026, international spends earn nothing. No points on fuel, EMI or cash withdrawals. | Lifetime free | 0.38% | No | Railway lounges only | Lifetime free, Movies and dining, Zero forex | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Mayura Credit CardReward points on every ₹150, worth ₹0.50 each when you book flights and hotels in IDFC FIRST's app (₹0.25 on vouchers, products and other redemptions). At the travel value: 1.67% back on your first ₹20,000 of spends a month and on international spends, 3.33% on spends above ₹20,000 a month and on your birthday; rent, education, wallet loads and government payments 1%; insurance, utilities, railways and FASTag 0.33%. Halve these at ₹0.25 a point. Extra bonus points on hotels and flights booked in the app. No points on fuel, EMI or cash withdrawals. International spends keep earning points after IDFC FIRST's 26 October 2026 change. | ₹5,999 joining, ₹5,999 a year | 1.67% | No | 16 domestic + 16 international a year | Travel and lounges, Zero forex, Airport lounge access, Premium | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Millennia Credit CardDining, travel and birthday spends earn 1.25% back in reward points, most other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on fuel, EMI or cash, and none on international spends from 26 October 2026. | Lifetime free | 0.38% | No | Railway lounges only | Lifetime free, Movies and dining, Self-employed, Zero forex | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Select Credit CardDining, travel and birthday spends earn 1.25% back in reward points, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Zero forex markup, plus a domestic airport lounge visit each quarter. | Lifetime free | 0.38% | No | 4 domestic a year | Lifetime free, Movies and dining, Self-employed, Travel and lounges, Zero forex, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST SWYP Credit CardMonthly milestone rewards rather than a per-spend rate: 200 points (₹50) at ₹5,000 spend in a cycle, rising to 4,000 points (₹1,000) at ₹60,000, which works out to about 1–1.67% at each threshold. Purchases are paid in full or converted to EMI for a flat monthly fee; balances can't be carried over. | ₹499 joining, ₹499 a year | – | No | Railway lounges only | Zero forex | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST Wealth Credit CardDining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits. | Lifetime free | 0.38% | No | 4 domestic + 4 international a year | Lifetime free, Self-employed, Travel and lounges, Zero forex, Airport lounge access | Apply nowVia our referral partner. We may earn a commission. |
| IDFC FIRST WOW! Credit CardSecured card against a ₹20,000+ FD with no income proof or credit history. Online, offline and international spends earn 0.5% back in reward points, utilities, insurance, railways and FASTag 0.125%; zero forex markup. | Lifetime free | 0.5% | No | None | Lifetime free, Self-employed, Zero forex, Students and beginners, Against FD | Apply nowVia our referral partner. We may earn a commission. |
Base rate is the value back on everyday spends at IDFC FIRST's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which IDFC FIRST card for which spend
- Lifetime freeIDFC FIRST WOW! Credit CardLifetime free · #9 of 23 cards we compare · see all lifetime free cards
- FuelIDFC FIRST Bank HPCL FIRST Power+ Credit Card5% on fuel · #3 of 5 cards we compare · see all fuel cards
- Online shopping and groceriesIDFC FIRST Bank HPCL FIRST Power+ Credit Card₹499 joining, ₹499 a year · #22 of 23 cards we compare · see all online shopping and groceries cards
- UPI and RuPayIDFC FIRST Bank HPCL FIRST Power+ Credit Card0.5% on UPI · #19 of 30 cards we compare · see all UPI and RuPay cards
- Movies and diningIDFC FIRST Classic Credit Card1.25% on dining and food delivery · #16 of 29 cards we compare · see all movies and dining cards
- Bills and utilitiesIDFC FIRST Bank HPCL FIRST Power+ Credit Card5% on bills and utilities · #4 of 16 cards we compare · see all bills and utilities cards
- Self-employedIDFC FIRST Millennia Credit CardLifetime free · #5 of 32 cards we compare · see all self-employed cards
- Travel and loungesIDFC FIRST Mayura Credit Card1.67% on travel · #9 of 24 cards we compare · see all travel and lounges cards
- Zero forexIDFC FIRST Classic Credit Card1.25% on travel · #2 of 14 cards we compare · see all zero forex cards
- Airport lounge accessIDFC FIRST Mayura Credit Card16 domestic + 16 international a year · #11 of 38 cards we compare · see all airport lounge access cards
- PremiumIDFC FIRST Mayura Credit Card₹5,999 joining, ₹5,999 a year · #7 of 18 cards we compare · see all premium cards
- Students and beginnersIDFC FIRST WOW! Credit CardLifetime free · #2 of 5 cards we compare · see all students and beginners cards
- Against FDIDFC FIRST WOW! Credit CardLifetime free · #3 of 6 cards we compare · see all against FD cards
Self-employed?
IDFC FIRST says self-employed people can apply for IDFC FIRST Bank HPCL FIRST Power+ Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card and IDFC FIRST WOW! Credit Card. Details are on each card's page and on our self-employed cards page.
Compare side by side
- HDFC Bank Millennia Credit Card vs IDFC FIRST Millennia Credit Card
- IDFC FIRST Mayura Credit Card vs IDFC FIRST Wealth Credit Card
- IDFC FIRST Millennia Credit Card vs IDFC FIRST Bank HPCL FIRST Power+ Credit Card
- IDFC FIRST Millennia Credit Card vs IDFC FIRST Select Credit Card
- IDFC FIRST Millennia Credit Card vs IDFC FIRST SWYP Credit Card
- IDFC FIRST Millennia Credit Card vs IDFC FIRST Wealth Credit Card
- IDFC FIRST Bank HPCL FIRST Power Credit Card vs IDFC FIRST Bank HPCL FIRST Power+ Credit Card
- IDFC FIRST WOW! Credit Card vs Scapia Federal Bank Credit Card (Visa + complimentary RuPay)
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which IDFC FIRST credit card is lifetime free?
Among the IDFC FIRST cards we compare: IDFC FIRST Classic Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card and IDFC FIRST WOW! Credit Card. They charge no joining or annual fee in IDFC FIRST's fee schedule.
Which IDFC FIRST credit card works on UPI?
IDFC FIRST Bank HPCL FIRST Power Credit Card and IDFC FIRST Bank HPCL FIRST Power+ Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which IDFC FIRST credit card gives airport lounge access?
IDFC FIRST Mayura Credit Card (16 domestic + 16 international a year); IDFC FIRST Wealth Credit Card (4 domestic + 4 international a year); IDFC FIRST Bank HPCL FIRST Power+ Credit Card (4 domestic a year); IDFC FIRST Select Credit Card (4 domestic a year). Most cards now need a minimum spend to unlock visits; see the lounge page for each card's condition.
What income do I need for an IDFC FIRST credit card?
The lowest published income among these cards is ₹25,000 a month for the IDFC FIRST Bank HPCL FIRST Power Credit Card, and the highest ₹3,00,000 a month for the IDFC FIRST Wealth Credit Card (salaried). IDFC FIRST decides approval on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from IDFC FIRST's own pages and terms, last verified 20 Oct 2026. It may not be every IDFC FIRST card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.