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Here's a side-by-side overview of the key cards in IDFC First Bank's current portfolio, covering fees, reward rates, and standout benefits:
Best IDFC First Bank Credit Card for You
Shopping · Travel · Fuel · Everyday Rewards — 2026 Guide
IDFC First Bank has quietly built one of the most interesting credit card portfolios in India — a range that spans lifetime-free everyday cards all the way to premium metal cards with zero forex markup and global lounge access. What makes them stand out isn't just the rewards structure; it's the low interest rate model (starting at 9% annually) and a genuine range of cards suited to very different types of spenders.
The challenge is choosing the right one. The SWYP card looks great for online shoppers. The Millennia card is tempting for its zero-fee appeal. The Wealth card sounds premium but is actually free for life. And then there's the HPCL Power+ for fuel spenders, and the Mayura metal card for frequent flyers. In 2026, with IDFC First Bank updating benefits across several cards, making the right pick matters more than ever. This guide breaks down every major IDFC First Bank card by use case — so you know exactly which one fits your wallet.
All Major IDFC First Bank Credit Cards at a Glance
| Card | Annual Fee | Rewards on Online Spends | Lounge Access | Best For |
|---|---|---|---|---|
| FIRST Classic | Lifetime Free | 3X points | 2 domestic/quarter | First-time card users |
| FIRST Millennia | Lifetime Free | 3X (up to ₹20K/month); 10X above ₹20K & birthday | 2 domestic/quarter | Online shoppers, beginners |
| FIRST SWYP | ₹499/year | Up to 20% off on partner brands | 1 domestic/quarter (on ₹20K spend) | Online deal-hunters |
| FIRST Select | Lifetime Free | 6X points online | 1 domestic/quarter (on ₹20K spend) | Mid-tier spenders |
| FIRST Wealth | Lifetime Free | 10X points on online transactions | Unlimited domestic + 4 international/year | Premium travel + rewards |
| HPCL Power+ | ₹499 joining fee | 30X on fuel, grocery & utility | 1 domestic/quarter (on ₹20K spend) | Fuel spenders (HPCL) |
| Ashva (Metal) | Premium (paid) | Up to 40X reward points | Unlimited domestic + international | IndiGo travellers, premium |
| Mayura (Metal) | Premium (paid) | 10X above ₹20K/month | Higher frequency + global | Ultra-premium, frequent flyers |
📌 2026 Update: IDFC First Bank is rolling out changes to several cards effective June–July 2026. Key change: the Buy-One-Get-One movie ticket benefit on many cards now requires a spend of ₹20,000 in the previous month. Reward points on some cards now expire after 24 months instead of being lifetime-valid. Verify the latest terms on the official IDFC First Bank website before applying.
Best for Online Shopping: IDFC FIRST SWYP Credit Card
If a significant portion of your monthly spend goes to Myntra, Nykaa, Domino's, MakeMyTrip, and similar platforms, the SWYP card is built specifically for you. Rather than a points-and-redeem structure, it delivers up to 20% direct discounts on a curated network of partner brands — which is a more tangible benefit than accumulating reward points you may never fully use.
🛍️ Best for Shopping
IDFC FIRST SWYP Credit Card
Annual Fee: ₹499/year
- Up to 20% instant discount on partner platforms including Myntra, Nykaa, MakeMyTrip, Domino's, and more
- Zero-interest EMI conversion on eligible purchases — charged only a flat monthly conversion fee, no hidden interest
- 1,000 bonus reward points on your first EMI transaction
- 2,000 bonus points when spends cross ₹5,000 within the first 30 days
- 1 complimentary domestic airport lounge visit per quarter (minimum ₹20,000 spend in the previous month)
- 25% off on movie tickets once per month via District by Zomato
- Low EMI conversion fee structure for transparent monthly repayments
✅ Pick this if: You're a regular online shopper who buys frequently from Myntra, Nykaa, or Domino's. The 20% partner discount easily offsets the ₹499 annual fee — a single Myntra haul can recover the yearly cost.
Best for Beginners and Everyday Use: IDFC FIRST Millennia Credit Card
The Millennia card is IDFC First Bank's flagship entry-level card — and it punches above its weight class. It's lifetime-free (no joining fee, no annual fee, ever), yet it offers a tiered rewards structure that actually rewards heavier spenders. For someone getting their first credit card or upgrading from a basic bank card, it's one of the strongest no-fee options in the Indian market.
⭐ Best for Beginners
IDFC FIRST Millennia Credit Card
Annual Fee: Lifetime Free
- 3X reward points on all online purchases up to ₹20,000 per month
- 10X reward points on online spends above ₹20,000/month — and on every purchase on your birthday
- 1X reward points on offline and other spends
- 2 complimentary domestic airport lounge visits per quarter
- Interest-free cash withdrawals from ATMs for up to 48 days
- Among the lowest interest rates in the category — starting at 9% per annum
- Zero-fee on fuel surcharge waiver on eligible transactions
- Movie discount via District by Zomato
✅ Pick this if: You want a no-cost card that rewards online spending with no strings attached. The 10X birthday multiplier alone makes it worth having even as a secondary card.
Best for Fuel: IDFC FIRST HPCL Power+ Credit Card
For car owners who fill up at HPCL petrol pumps regularly, the Power+ card delivers one of the highest fuel reward rates available from any Indian bank card. The 30X reward point multiplier on HPCL spends translates to an effective return of around 6.5% — a meaningful saving when you're spending ₹5,000–₹10,000 a month on fuel.
⛽ Best for Fuel
IDFC FIRST HPCL Power+ Credit Card
Joining Fee: ₹499 (annual fee may be waived on spend milestone)
- 30X reward points on HPCL fuel purchases, grocery spends, utility bill payments, and IDFC FASTag recharges
- Effective fuel reward rate of approximately 6.5% — one of the highest in the category
- Fuel surcharge waiver on HPCL transactions
- 1 complimentary domestic airport lounge visit per quarter (on minimum ₹20,000 monthly spend)
- 25% off (up to ₹100) on one movie ticket per month via District by Zomato
- Reward points redeemable against fuel, cashback, or statement credit
✅ Pick this if: You drive regularly and fill up at HPCL stations. The 30X multiplier on fuel is exceptional — if you spend ₹6,000/month on HPCL fuel, this card saves you approximately ₹390/month (₹4,680/year), comfortably covering the joining fee and then some.
💡 Zoutons Tip: The Power+ card's 30X multiplier also applies to grocery and utility bill payments — not just fuel. If you pay electricity, water, or gas bills via credit card regularly, the Power+ card is even more rewarding than a pure fuel card.
Best for Travel (Premium, Free): IDFC FIRST Wealth Credit Card
The Wealth card is arguably IDFC First Bank's most impressive product from a value-for-money perspective. It's a Visa Infinite card — the highest tier of Visa — with premium travel benefits including international airport lounge access and a low forex markup. And it has zero joining fee and zero annual fee, for life. That combination is genuinely rare in the Indian credit card market.
✈️ Best for Travel (Free)
IDFC FIRST Wealth Credit Card
Annual Fee: Lifetime Free
- Visa Infinite tier — highest Visa card category, globally accepted
- Unlimited complimentary domestic airport lounge access
- 4 complimentary international airport lounge visits per year (via Priority Pass or equivalent)
- 10X reward points on online transactions
- Low forex markup fee — ideal for international purchases and travel bookings
- Trip cancellation cover and travel insurance included
- 24x7 concierge assistance for travel and lifestyle services
- Interest-free ATM cash withdrawals up to 48 days
- Zero liability on card misuse after reporting
✅ Pick this if: You travel a few times a year and want lounge access, travel insurance, and international benefits without paying any annual fee. The Wealth card is the rare card that delivers premium features at genuinely zero cost.
Best for Ultra-Premium / Frequent Flyers: IDFC FIRST Mayura Credit Card
The Mayura is IDFC First Bank's flagship metal card — a product aimed at high-spending frequent travellers who want the best possible travel benefits. Its standout feature is the zero forex markup fee, which makes it particularly valuable for international travel and overseas purchases. It also offers a higher lounge visit frequency and trip cancellation cover of up to ₹50,000.
🥇 Ultra-Premium Metal
IDFC FIRST Mayura Credit Card
Annual Fee: Premium (paid) — check official site for current fee
- Zero forex markup fee — no extra charge on international transactions (saves 1.5–3.5% vs. standard cards)
- 10X reward points on monthly spends above ₹20,000
- Higher frequency of complimentary airport lounge visits — domestic and international
- Trip cancellation protection up to ₹50,000 per trip
- Premium metal card design — Visa Infinite tier
- Comprehensive travel insurance package
- Priority customer service and concierge
- EazyDiner dining privileges at premium restaurants
✅ Pick this if: You travel internationally multiple times a year and your monthly spends are consistently above ₹20,000. The zero forex markup fee alone can save ₹3,000–₹8,000 per international trip vs. a standard card — which quickly justifies any annual fee.
Quick Picker: Which IDFC First Bank Card Is Right for You?
Not sure where to start? Use this profile guide to find your card in under 30 seconds:
🛍️ I shop a lot online
→ FIRST SWYP Card
20% off on Myntra, Nykaa, MMT and more. Best for platform loyalists.
🆕 First credit card, no annual fee
→ FIRST Millennia Card
Lifetime free, strong rewards, lounge access. Zero-cost entry to premium benefits.
⛽ I drive frequently (HPCL)
→ HPCL Power+ Card
30X on HPCL fuel = ~6.5% return. Best fuel card in this price range.
✈️ I travel a few times a year
→ FIRST Wealth Card
Lifetime free, Visa Infinite, unlimited domestic lounge + 4 international visits.
🌏 I travel internationally often
→ FIRST Mayura Card
Zero forex markup, ₹50K trip cancellation cover, high lounge frequency.
💼 I want mid-tier with solid rewards
→ FIRST Select Card
Lifetime free, 6X online rewards, lounge access. Balanced all-rounder.
🎯 I want the best IndiGo benefits
→ Ashva Card
Up to 40X points, 1% forex markup, ideal for IndiGo frequent flyers.
💳 I just want a backup/secured card
→ FIRST EARN Card
Secured card option, welcome benefits of ₹1,250, 25% off movies.
💡 Zoutons Tip: IDFC First Bank cards are known for low interest rates starting at 9% per annum — much lower than the 36–42% charged by many other Indian bank credit cards. If you occasionally carry a balance, this rate differential makes a meaningful real-money difference.
Benefits That Apply Across Most IDFC First Bank Cards
Regardless of which card you pick from the IDFC First Bank portfolio, most cards share a baseline set of benefits that distinguish them from the competition:
- Interest-free ATM cash withdrawals for up to 48 days. Most credit cards charge interest on ATM withdrawals from day one. IDFC First Bank offers a 48-day interest-free window — genuinely useful in emergencies.
- Low interest rates. Starting from 9% per annum (0.75% per month), going up to a maximum of 3.99% per month — substantially lower than the 36–42% APR charged by most other banks' credit cards.
- Fuel surcharge waiver. Available across multiple cards on eligible fuel transactions.
- Zero liability on fraudulent transactions. Report loss or theft promptly and you're not liable for any misuse that occurs after reporting.
- Complimentary railway lounge access. Available on select cards — useful for frequent train travellers.
- No-cost EMI conversions. Several cards allow eligible purchases to be converted to EMI at a flat fee with no interest — transparent and cheaper than traditional EMI options.
🏆 Zoutons Bottom Line: Which Card Delivers the Most Value?
- Best overall free card: FIRST Wealth — Visa Infinite at zero cost is almost unheard of in India. If you qualify, this should be your primary card.
- Best for most people (no fee): FIRST Millennia — Lifetime free, 10X on heavy spend months, lounge access. Superb all-rounder.
- Best for online shopping: FIRST SWYP — The 20% partner discount structure beats reward points for platform loyalists.
- Best fuel card: HPCL Power+ — 6.5% effective return on HPCL fuel is industry-leading at this fee level.
- Best for international travel: FIRST Mayura — Zero forex markup + ₹50K trip cancellation cover justifies the premium fee for frequent flyers.
Frequently Asked Questions
Which IDFC First Bank credit card is truly free for life?
The IDFC FIRST Classic, Millennia, Select, and Wealth cards are all lifetime-free — there is no joining fee or annual fee on any of these, ever. The SWYP card has a ₹499 annual fee, the HPCL Power+ has a ₹499 joining fee, and the metal cards (Ashva, Mayura) carry a premium annual fee. If zero-fee is a priority, the Millennia and Wealth cards are the strongest options.
Can I hold more than one IDFC First Bank credit card at the same time?
Yes, you can hold multiple IDFC First Bank credit cards simultaneously, subject to credit eligibility and IDFC First Bank's internal approval policies. A common strategy is holding the Millennia or Wealth card as the primary card and the SWYP card as a secondary card for specific platform discounts. Check the official website or speak to an IDFC First Bank representative for current multi-card holding guidelines.
What is the minimum income required to apply for the IDFC First Bank Wealth card?
The IDFC First Bank Wealth card is a Visa Infinite card, which typically requires a higher income or spend profile. While IDFC First Bank doesn't always publish a fixed income threshold publicly, the Wealth card generally targets customers with a minimum annual income in the ₹5–6 lakh range or those who maintain a premium banking relationship. The Millennia and Classic cards have a lower income threshold. Exact eligibility is assessed at the time of application.
Do IDFC First Bank reward points expire?
As of 2026, IDFC First Bank has updated the reward points validity on several cards — points now expire after 24 months on many cards, instead of being lifetime-valid as they previously were. Always check the current reward points terms on your specific card before accumulating a large balance, and redeem periodically to avoid expiry losses.
Is the HPCL Power+ card useful at non-HPCL petrol pumps?
The 30X reward multiplier on the HPCL Power+ card is specifically designed for HPCL fuel stations. At non-HPCL pumps, the card earns standard reward points (lower rate) rather than the boosted 30X. If you primarily fill up at Indian Oil, Bharat Petroleum, or private stations, a general cashback or reward card may serve you better. The Power+ is best optimised for HPCL-exclusive fuel spend.
What is the forex markup on the IDFC First Bank Wealth card vs. the Mayura card?
The IDFC First Bank Wealth card offers a low forex markup fee — typically around 1.5% — which is significantly lower than the standard 3.5% charged by most Indian bank cards. The Mayura metal card takes it further with a zero forex markup fee — meaning no additional charge on international transactions whatsoever. For regular international travel or overseas online purchases, the Mayura saves the most on every foreign currency transaction.
Disclaimer: Card features, reward rates, fees, lounge access limits, and offer terms mentioned in this article are based on information available from IDFC FIRST Bank's official website, Paisabazaar, and BankBazaar as of May 2026. IDFC FIRST Bank is in the process of rolling out benefit revisions across several cards effective June–July 2026. Terms and conditions are subject to change at IDFC FIRST Bank's discretion. Always verify current card features, eligibility criteria, and annual fees on the official IDFC FIRST Bank website or by calling their customer care before applying. This article is for informational purposes only and does not constitute financial advice.
