Idfc Bank Credit Card

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Best Idfc Bank Credit Cards in India 2026

Idfc First Classic Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Get a 25% discount on movies (up to Rs. 100) on the Paytm app, once per month, and up to 20% discount on dining through your IDFC FIRST Classic Credit Card.

Reward Redemption

The Reward Points can be redeemed instantly for online transactions & partner stores. Here, 1 Reward Point = Rs. 0.25.You have to pay a convenience fee of Rs. 99 plus taxes to redeem your rewards points.

Rewards Rate

3 Reward Points on every offline spend of Rs. 150 & 6 Reward Points on every online spend of Rs. 150.

Travel

Get complimentary Railway lounge access 4 times in a calendar quarter. You also get complimentary roadside assistance worth Rs. 1399 4 times in a year

Insurance Benefits

You get a personal accident cover worth Rs. 2 Lakhs and a lost card liability cover worth up to Rs. 25,000

Idfc First Select Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Rewards Rate

3 Reward Points on each Rs. 125 spent offline, 6 Reward Points on each Rs. 125 spent online, and 10 Reward Points on every Rs. 125 on spends above Rs. 25,000.

Travel Airport

“Meet and Greet” at more than 450 destinations worldwide. Airport transfers and concierge service for a personalized travel experience. Access to premium services and benefits at more than 900 luxury hotels worldwide. Complimentary 4 railway lounge access per quarter.

Domestic Lounge Access

4 Complimentary Domestic Airport Lounge Access Every Quarter (16 Each Year)

Reward Redemption

1 Reward point = Re. 0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

Movie & Dining

“Buy One Get One” offer on movie tickets up to Rs. 250 while booking with the Paytm app & up to 20% discount on dining at over 1500 restaurants.

Insurance Benefits

You get an air accident cover worth Rs. 1 Crore, personal accident cover worth upto Rs 5,00,000 and a travel insurance cover worth up to Rs 22,500.

Idfc First Wealth Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Buy One Get One offer on movie tickets up to Rs. 500 on the Paytm app, twice every month and up to 20% discount on over 1,500 restaurants.

Reward Redemption

Reward Points redeemable on Poshvine redemption portal for shopping vouchers from many popular brands including at a rate of 1 Reward Point = Rs. 0.25. You have to pay a convenience fee of Rs. 99 plus taxes for reward redemption.

Golf

Complimentary golf rounds each month for every Rs. 20,000 spent in the previous month (max 2 golf rounds in a month).

International Lounge Access

Up to 4 complimentary international lounge visits per quarter.

Rewards Rate

3 Reward Points on every Rs. 100 spent offline, 6 Reward Points on every Rs. 100 spent online, 10 Reward Points per Rs. 100 on spends above Rs. 30,000.

Travel

You get 4 complimentary international as well as domestic lounge access and spa visits every year.

Domestic Lounge Access

Up to 4 free visits to domestic airport lounges per quarter.

Insurance Benefits

Travel-related insurance benefits including accidental air death insurance worth Rs. 1 crore, personal accident coverage worth Rs. 10 lakh, and lost card liability cover worth Rs. 50,000

Idfc Hpcl First Power Plus Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

25% off on movie tickets up to Rs. 100 once per month and Rs. 150 discounts on all orders above Rs. 500 with Swiggy.

Rewards Rate

Save up to 5% as rewards on grocery and utility expenses of up to worth Rs. 2,000 per month, Save up to 5% as a reward on IDFC FIRST FASTag recharge max Rs. 1,000 per month, and 3X rewards on all other retail transactions.

Reward Redemption

3X rewards are equal to 3 reward points for every Rs. 150 spent i.e.; 1 RP = Rs. 0.75, HPCL Fuel and LPG – 24 rewards points on every Rs. 150 spent on grocery and utility bill, and IDFC FIRST FASTag recharge - 30 rewards for every Rs. 150 spent.

Travel

Complimentary domestic airport lounge access once every quarter and Complimentary roadside assistance worth Rs. 1,399 four times a year.

Idfc First Wow Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Dining | Shopping

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

20% discount at 1500+ restaurants with IDFC FIRST WoW Credit Card.

Reward Redemption

Use the earned Reward Points to instantly pay for online or in-store purchases. 1X = 1 Reward Point per Rs. 150 spent therefore, 1 Reward point = Rs. 0.25

Rewards Rate

Earn 4X (4RP) Reward Points on every Rs. 150 spent

Insurance Benefits

Personal Accident, Card Liability cover and many more.

Idfc First Millennia Credit Card

Joining Fee

Rs. 0 + GST

Renewal Fee

Rs. 0 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Up to 20% discount on more than 1,500 Restaurants across India. Avail 25% discount on movie tickets once a month on the Paytm app (up to Rs. 100).

Rewards Rate

3 Reward Points on each offline spend of Rs. 150, 6 RPs per online spend of Rs. 150, and 10 Rewards on every Rs. 150 on spends above Rs. 20,000.

Travel

Get four complimentary railway lounge accesses and four roadside assistance services a year, each worth Rs. 1399.

Insurance Benefits

Personal Accidental Cover worth Rs. 2 Lakhs on all active cards. Lost Card Liability Cover of Rs 25,000.

Idfc Bank First Swyp Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Travel

4 Free Railway Lounge Access Each Quarter

Reward Redemption

Points Can be Redeemed at IDFC First Rewards. Pay With Points Facility Also Available

Movie & Dining

25% Discounts on Movie Tickets

Rewards Rate

200, 500, and 1,000 RPs on Spends of Rs. 5,000, 10,000, and 15,000 Respectively

Insurance Benefits

Complimentary Insurance Covers are Provided

Idfc Hpcl First Power Credit Card

Joining Fee

Rs. 199 + GST

Renewal Fee

Rs. 199 + GST

Best Suited For

Fuel

Reward Type

Reward Points

Welcome Benefits

Movie & Dining

Get an exclusive discount of Rs. 150 on Swiggy orders of Rs. 500 or above.

Reward Redemption

You can pay for both online and offline transactions at select merchants instantly with your Reward Points. Redeem reward points for membership and gift vouchers of your favorite brands or for products on IDFC Bank’s Reward Redemption Catalog portal.

Rewards Rate

Save up to 5% on your fuel spends. Save 2.5% as rewards on your utility and grocery expenses. 2.5% as rewards on your IDFC FASTag recharge. 2x rewards on all other retail spends.

Travel

Complimentary roadside assistance worth Rs. 1399

Insurance Benefits

Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000

List of Top Idfc Bank Credit Cards in India

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