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IDFC FIRST Bank Credit Card comparison

Key Takeaways

IDFC FIRST Bank offers a wide range of lifetime-free credit cards like, FIRST Millennia, Classic, Select, Wealth, Quantum+, and FIRST WOW! designed for different spending patterns and lifestyle needs.
You can earn up to 10X reward points along with benefits such as lounge access, movie offers, fuel surcharge waivers, and never-expiring rewards.
FIRST Millennia and Classic suit everyday spending, while Select and Wealth are better suited for frequent travellers and premium lifestyle needs.
Before applying, compare rewards, fees, travel privileges and other benefits with your regular spending habits to select the right card.

22 Sep 2026 by Team FinFIRST

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Access to easy credit is a necessity for everyone and is a significant contributor in the growth of retail finance in India. A credit card is one of the most popular credit tools as it requires the least documentation to acquire. Once you own a credit card, it can be used frequently without any other condition, subject to the limit available to you. Using a bank credit card also contributes to improving your credit score when you make on-time repayments, either by scheduled EMIs or in a lump sum.

There are many additional benefits available on credit cards in the form of rewards, offers with popular brands and cashback on EMI and other transactions. In fact, customers can enjoy exciting credit card offers on Apple products for discounts and easy EMIs on iPhones and Apple products.

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What is a Credit Card and How does it work?

A credit card is a financial tool for accessing funds. You can use it for online shopping and making merchant payments. Unlike a debit card, which uses funds from your  savings account , a credit card uses the bank's funds for transactions, which you must repay by the due date. You can obtain credit from the bank when you use a credit card.

A credit card offers interest-free credit until the due date, after which the bank charges interest. Each credit card has a maximum consumable amount, referred to as a credit limit.

Credit Card vs Debit Card

A credit or debit card provides access to funds for making purchases. Debit cards, however, consume funds from your savings account. Since it is your money, the funds are interest-free. A  credit card , on the other hand, offers pre-approved loans up to the credit limit, which you can pay in instalments or in a lumpsum before the due date.

Credit cards are popular because they offer a range of shopping benefits and reward programs. And, if you repay your outstanding amount before the due date, no interest is charged, making it liability-free. Since credit cards offer instant, short-term loans, they help you build a credit score. The best credit cards offer privileges, such as shopping offers, lifestyle benefits, travel and entertainment discounts, etc.

IDFC FIRST Bank Credit Card Comparison

Choosing a credit card becomes easier when you compare the benefits against your spending habits and lifestyle requirements. IDFC FIRST Bank offers multiple lifetime-free credit cards designed for different customer segments. The FIRST Millennia Credit Card can be suitable for younger customers seeking rewards and lifestyle benefits, while the FIRST Classic Credit Card is designed for those looking for everyday value and rewards.

The FIRST Select Credit Card offers a broader combination of rewards, lounge access and lifestyle privileges. For premium customers seeking enhanced travel, golf and entertainment benefits, the FIRST Wealth Credit Card offers a more exclusive proposition.

Credit Card	Best Suited For	Key Benefits
FIRST Millennia	Everyday lifestyle and reward spends	Up to 10X reward points, railway lounge access, movie discounts and fuel surcharge waiver
FIRST Classic	Everyday spending and value	Up to 10X reward points, movie discounts, insurance covers and welcome benefits
FIRST Select	Travel and lifestyle spending	Up to 10X reward points, airport lounge access, movie offers and never-expiring rewards
FIRST Wealth	Premium lifestyle and travel	Up to 10X reward points, airport lounge access, golf benefits, movie offers, and low forex markup
Quantum+	Online shopping and cashback	Up to 2% cashback on online shopping based on spend criteria, 1% cashback on UPI and in store shopping, 1% bonus reward on travel booking
FIRST WOW!	Lifestyle and travel spending	Up to 4X rewards, interest free ATM withdrawal worldwide until due date, 10% bonus reward on hotel, 5% rewards on flight booking

IDFC FIRST Bank Credit Cards Comparison

FIRST Millennia Credit Card

FIRST Classic Credit Card

FIRST Select Credit Card

FIRST Wealth Credit Card

Quantum+ Credit Card

FIRST WOW! Credit Card

The IDFC FIRST Bank Credit Cards are lifetime free, and customers can enjoy discounts at 1500+ restaurants and 300+ merchant offers all year round.

FIRST Millennia Credit Card

The FIRST  Millennia Credit Card , as the name suggests, is for younger and upwardly mobile customers. The key features are:

Up to 10X reward points

Welcome voucher worth ₹500 on spending ₹15,000 or more within 30 days of card generation. It can be redeemed at outlets such as Amazon and Big Basket

Four complimentary Railway lounge visits per quarter.

25% discount on movie tickets up to ₹100 (valid once per month).

Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month.

FIRST Classic Credit Card

The  FIRST Classic Credit Card  works best for users who want value for money and reward-seekers. The key features are:

Up to 10X reward points

Welcome voucher up to Rs.500 on spending up to Rs.15,000 within 30 days of card generation

Zero lost card liability and credit shield cover of 25,000’

25% discount on movie tickets up to ₹100 on District by Zomato app

Accident cover of up to Rs 2 Lakhs, complimentary with this card

Banks usually have more than one variant of credit card catering to different customers with appealing features. IDFC FIRST Bank has a variety of credit cards, each unique to different customer segments, matching lifestyle needs and loaded with benefits.

FIRST Select Credit Card

The  FIRST Select Credit Card  is a premier card that offers the following benefits:

Up to 10X Reward Points

Unlimited Reward points that never expire.

Avail One complimentary domestic airport lounge visits per quarter with this lounge access credit card

'Buy one, get one offer on movie tickets up to ₹125 on District by Zomato App (valid twice per month)

Zero lost card liability and credit shield cover of 50,000

Personal accident cover of up to ₹5 Lakhs

FIRST Wealth Credit Card

The  FIRST Wealth Credit Card  is the most exclusive Lifetime free credit card offered by IDFC FIRST Bank. Its features include:

'Buy one, get one’ offer on movie tickets up to ₹250 on District by Zomato app (valid twice per month).

Enjoy one domestic and one international complimentary lounge access on your card per quarter

One Golf round/lesson per month.

Fuel surcharge waiver at all fuel stations across India up to ₹400 every month.

The Wealth card is the best with no annual fee and a zero Forex markup fee .

Quantum+ Credit Card

With the FD backed FIRST Quantum+ Credit Card, you enjoy a range of online shopping benefits, while earning 7.10% interest rates on your FD. It offers

2% cashback on all online shopping above ₹10,000 in a billing cycle.

1% cashback on all online shopping below ₹10,000 in a billing cycle.

1% cashback on UPI transactions done via IDFC FIRST Bank mobile app and in store purchases

0.5% cashback on select categories.

1% bonus cashback on travel bookings and zero forex fee on all international transactions.

FIRST WOW! Credit Card

The FIRST WOW! Credit Card is one of the most preferred FD backed credit card offering at least 100% of your FD value. With this card, you enjoy:

Up to 4X rewards points on every transaction

Zero forex charges on international transactions

Interest free cash withdrawals up to 45 days all around the world

Earn interest rates on your FD while you spend.

Avail personal accident cover of ₹2 lakhs, lost card liability coverage and purchase protection of ₹25,000 each.

Which IDFC FIRST credit card fits your spending pattern?

Your ideal credit card depends on where and how you make purchases. If you frequently spend on shopping, entertainment and everyday purchases, FIRST Millennia can offer suitable lifestyle and reward benefits. If you prefer a straightforward card for regular expenses with rewards and protection benefits, FIRST Classic may be appropriate.

For frequent travellers who value airport lounge access and travel-related privileges, FIRST Select can be a better fit. If you have a premium lifestyle and regularly spend on travel, luxury experiences, golf and international transactions, FIRST Wealth provides enhanced benefits.

Before applying, compare reward structures, lounge access, entertainment offers, fuel benefits with your usual spending pattern. This helps you select a card whose benefits you can use regularly rather than choosing solely based on the number of features offered.

Benefits of credit cards

Credit cards are highly sought after because they offer attractive benefits. A few benefits are listed below:

Along with quick loans, you get a grace period to pay off your outstanding amounts interest-free.

Banks and card issuers offer several merchant discounts and online shopping privileges.

As a credit card holder, you also get access to exclusive reward programs where you receive reward points and cashback on each card expense. IDFC FIRST Bank offers up to 10X rewards on credit card spending.

You can also pay utility bills and at outlets across the globe.

You also get enhanced and multi-layered security with a credit card. Several banks offer fraud protection and card loss liability if you lose your card.

Fees and Charges on a credit card

Banks and credit card issuers levy a few charges to cardholders. A few are listed below:

Annual membership charges

Annual membership fees apply to cardholders to continue credit card services. Depending on the credit card, it may range from a few hundreds to thousands of rupees. However, you can also opt for a lifetime free credit card which does not incur annual charges. IDFC FIRST Bank credit cards have no annual membership charges, making them more affordable than other cards.

Finance charge

This is a monthly charge on your outstanding credit card bill. Finance charges usually vary between 2% and 3.5%, depending on the bank. IDFC FIRST Bank offers the lowest finance charges starting at 0.75% per annum.

Cash advance charges

Cash advance charges apply when you withdraw cash using your credit card from an ATM. The bank charges you every time you withdraw money from an ATM.

Forex markup fee

A forex markup can add 2.5% to 3.5% to the cost of your international transactions, depending on the card. With IDFC FIRST Bank Credit Cards, you do not have to pay this additional markup, as all cards now offer zero forex markup on eligible international transactions.

Add the following point after - ‘IDFC FIRST Bank offers zero forex markup on all credit cards. With these cards, you can shop all around the world without worrying about forex fees. ‘
Rewards on international spends

You can also earn reward points on eligible international spends, depending on the card. For example, FIRST Select and FIRST Millennia offer up to 10X reward points, while Ashva offers 2X and IndiGo IDFC FIRST offers 1X reward points.

Late payment charge

The late payment charge applies if you miss the payment due date, known as the late payment charge.

Eligibility and documents required

Here are a few requirements you must fulfil to apply for a credit card:

You must be 18 years old or above.

You must be employed, self-employed, or have a business with a regular source of income

You must have a decent credit score

These are the documents needed to apply for a credit card:

Identity Proof – Aadhaar card, PAN card, Voter card or Passport

Address Proof – Aadhaar card, Utility bill, Passport

Income Proof – Bank statement, salary slip, or Form 16

How to choose the right credit card?

Consider the following factors when choosing the best credit cards:

Choose a credit card that suits your financial needs and spending habits.

Banks offer credit cards with several rewards and benefits; however, if your spending habits don't match the card's benefits, you won't benefit. Therefore, choose a card that rewards you on expenses you already incur regularly.

Choose a credit card that charges low fees. This way, you can save more.

To avoid missing payments, keep an eye on the due date and interest-free period.

Make sure to compare credit cards online before signing up for one.

Why choose IDFC FIRST Bank credit cards?

IDFC FIRST Bank credit cards are popular because they offer unique benefits like:

Zero forex markup fee on all credit cards

IDFC FIRST Bank offers zero forex markup on all credit cards. With these cards, you can shop all around the world without worrying about forex fees.

Up to 10x reward points

Earn accelerated reward points on spends over a certain threshold and those made on your birthday.

Low interest rates

IDFC FIRST Bank Credit Cards offer low and dynamic interest rates.

0% Interest on Cash Withdrawal

IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until 45 days date.

Pay Instantly with reward points

Pay instantly for any online transaction using your credit card reward points.

Lifestyle benefits

Discounts on shopping, dining and movies, complimentary rounds of golf every month, etc.

Travel benefits

Complimentary airport lounge access both domestic and international.

Other benefits

Various in-app online discounts, discounts on health and wellness outlets, EMI facilities, Balance Transfer Options and more.

You can apply for an IDFC FIRST Bank credit card online. Download the  banking app  and apply for the credit card that suits your needs. You can also apply for a card on the IDFC FIRST Bank website as well. Click here to get started.

Frequently Asked Questions

What are add-on credit cards?

Add-on credit cards are additional cards issued in the name of primary cardholders. You can opt for an add-on card for your family members in your name. However, remember that the credit limit remains the same even if you own multiple add-on cards.

Do credit cards charge interest for non-payment?

You must pay the minimum amount due on the payment date to avoid penalties. If you miss a credit card payment, the bank charges an interest along with penalties on the outstanding amount on your credit card.

Can I convert my credit card reward points into cash?

Several banks allow their customers to convert their earned reward points into cash. However, there may be some terms and conditions for the conversion. You can redeem those reward points to purchase products or get additional discounts. You can also convert the reward points into air miles for purchasing air tickets at a discount.

What happens when I don’t pay my bills on time?

Banks charge a penalty and interest on the total outstanding amount if you do not pay the bill on time. However, if you cannot pay your bills in full on time, pay the minimum due to avoid penalties.

How do I compare different credit card options?

You can compare different credit cards online. Go through the services, charges, and features of credit cards from various banks and choose the one that aligns with your financial requirements. You can also visit an online aggregator for a quick and convenient comparison.

Which IDFC FIRST credit card is best for beginners or first-time cardholders?

For first-time cardholders, FIRST Classic, FIRST Millennia, and FIRST WOW!, can be suitable options, depending on your spending habits. FIRST Classic focuses on everyday spending and rewards, while FIRST Millennia offers lifestyle benefits such as reward points, railway lounge access and movie discounts.

FIRST WOW! and Quantum+ are FD-secured cards that don’t require any income or credit check, and you enjoy up to a 100% credit limit of your FD value. It is best suited for individuals with no credit history or those seeking to build a credit score.

Are any IDFC FIRST Bank credit cards lifetime free?

Yes. IDFC FIRST Bank offers lifetime-free credit cards, including FIRST Classic, FIRST Select, FIRST Millennia and FIRST Wealth, FIRST WOW! and Quantum. These cards do not have an annual membership fee, subject to applicable terms and conditions.

Can I hold more than one IDFC FIRST Bank credit card at a time?

You may be eligible to hold more than one IDFC FIRST Bank credit card, subject to the bank's policies and eligibility criteria. The approval and available credit limit may depend on your credit profile, income, existing relationship with the bank and repayment history.

How do I upgrade or switch between IDFC FIRST Bank credit cards?

You can check your eligibility for a card upgrade or variant change through the bank's available digital or customer service channels. The bank may evaluate your credit profile, spending history and eligibility before approving an upgrade or switch.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.