IDFC FIRST Bank credit cards: fees, rewards and eligibility compared

Truely Money lists 12 IDFC FIRST Bank credit cards, including Ashva Credit Card, FIRST Classic Credit Card, Mayura Credit Card, FIRST Millennia Credit Card, FIRST Private Credit Card, FIRST Select Credit Card and 6 more.

Cards from the same bank can look alike but differ in what they reward. Compare each IDFC FIRST Bank card on the annual fee and whether it is waived at a spending level, the reward rate on the categories you actually spend in, lounge access, and the income and credit score the issuer expects.

The cards below are listed with their own fees and reward rules, and you can add several to Compare to see them side by side. Truely Money does not take applications: when you choose a card, you apply on the bank's own website. For a personal ranking based on your monthly spend, use the Card Finder under Tools.

IDFC FIRST Bank credit cards and their terms

Ashva Credit Card (IDFC FIRST Bank): joining fee ₹2,999 · annual fee ₹2,999 · base reward 0.83% of spend · lounge visits per year: 16 domestic, 8 international · forex markup 1% · credit score 750+. A premium metal credit card offering low 1% forex markup, global lounge access, and tiered rewards up to 10X. Perks: Exquisite metal card design; Low foreign exchange markup fee of just 1%; Up to 16 domestic airport lounge visits per year (4 per quarter).
FIRST Classic Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A lifetime-free credit card offering rewarding points on everyday purchases, dining, and travel, along with complimentary railway lounge access. Perks: Lifetime free credit card with no joining or annual fees; 10X Reward Points (1.25%) on dining, travel, and international spends; 25% discount on movie tickets (up to ₹100) once a month.
Mayura Credit Card (IDFC FIRST Bank): joining fee ₹5,999 · annual fee ₹5,999 · base reward 0.83% of spend · lounge visits per year: 16 domestic, 16 international · credit score 750+. A super-premium metal credit card offering zero forex markup, extensive global lounge access, and tiered rewards up to 10X. Perks: Exquisite 17g metal card featuring a peacock design; Zero foreign exchange markup fee for international transactions; Up to 16 complimentary domestic airport lounge and spa visits per year (4 per quarter with 1 guest visit).
FIRST Millennia Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 720+. A lifetime-free credit card for millennials offering strong accelerated rewards on dining and travel, along with complimentary railway lounge access. Perks: Lifetime free credit card with no joining or annual fees; 10X Reward Points (1.25%) on dining, travel, and international spends; 25% discount on movie tickets (up to ₹100) once a month.
FIRST Private Credit Card (IDFC FIRST Bank): joining fee ₹50,000 · annual fee ₹25,000 · base reward 1.67% of spend · lounge visits per year: 999 domestic, 999 international · credit score 750+. An exclusive invitation-only metal super-premium card offering unlimited global lounge access, zero forex markup, and strong travel rewards. Perks: Made of sustainable metal with 54% post-consumer recycled material; 0% foreign exchange markup fee and 0% interest on global cash withdrawals; Unlimited complimentary domestic and international airport lounge access.
FIRST Select Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · lounge visits per year: 4 domestic · forex markup 1.99% · income guide ₹12,00,000 a year · credit score 750+. A highly rewarding lifetime-free credit card offering accelerated points on high monthly spends and a low 1.99% forex markup. Perks: Lifetime free credit card with no joining or annual fees; Buy 1 Get 1 free movie ticket on Paytm (up to ₹250 off), twice a month; 1 complimentary domestic airport lounge visit and 4 railway lounge visits per quarter.
FIRST SWYP Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499 · forex markup 3.5% · income guide ₹2,50,000 a year · credit score 750+. An entry-level lifestyle credit card offering monthly spend-based milestones, year-round brand discounts, and railway lounge access. Perks: Up to 20% instant discounts on partner brands like Zomato, Domino's, and EaseMyTrip; Complimentary 1-year Lenskart Gold Max Membership; 4 complimentary railway lounge visits per quarter.
IndiGo IDFC FIRST Credit Card (IDFC FIRST Bank): joining fee ₹700 · annual fee ₹700 · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A co-branded airline credit card offering accelerated rewards on IndiGo flights, complimentary flight tickets, and travel perks. Perks: Complimentary IndiGo flight ticket as a welcome benefit; Accelerated 6E Rewards on IndiGo flight bookings and website spends; Discounted convenience fee on IndiGo flight bookings.
IDFC FIRST WOW! Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.5% of spend. A lifetime-free, guaranteed-approval secured card built for beginners and international travelers with zero forex markup. Perks: Zero forex markup fee on all international transactions; Guaranteed approval with no income proof or CIBIL score required; Credit limit equal to 100% of your fixed deposit value.
FIRST Power+ Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level co-branded fuel card offering accelerated rewards on HPCL fuel, groceries, utilities, and FASTag recharges. Perks: Up to 6.5% savings on HPCL fuel via 30X rewards and HP Pay App Happy Coins; 5% savings (30X rewards) on grocery and utility spends up to ₹2,000 per month; 5% savings on IDFC FIRST FASTag recharges.
HPCL FIRST Power+ Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level, UPI-enabled co-branded fuel card offering strong returns for HPCL loyalists alongside basic lifestyle benefits. Perks: Up to 6.5% savings at HPCL fuel stations; 4 complimentary domestic lounge visits per year (spend-based); 25% off on movie tickets up to ₹100 per month.
Wealth Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · lounge visits per year: 4 domestic, 4 international · forex markup 1.5% · income guide ₹36,00,000 a year · credit score 750+. A premium lifetime-free travel card offering low 1.5% forex markup, global lounge access, and 10X rewards on dining and travel. Perks: Lifetime free credit card with zero joining and annual fees; 10X Reward Points (1.25%) on dining, travel, and international purchases; Low foreign exchange markup of just 1.5%.

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Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.

IDFC FIRST Bank credit cards: fees, rewards and eligibility compared

IDFC FIRST Bank credit cards and their terms

Ashva Credit Card (IDFC FIRST Bank): joining fee ₹2,999 · annual fee ₹2,999 · base reward 0.83% of spend · lounge visits per year: 16 domestic, 8 international · forex markup 1% · credit score 750+. A premium metal credit card offering low 1% forex markup, global lounge access, and tiered rewards up to 10X. Perks: Exquisite metal card design; Low foreign exchange markup fee of just 1%; Up to 16 domestic airport lounge visits per year (4 per quarter).
FIRST Classic Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A lifetime-free credit card offering rewarding points on everyday purchases, dining, and travel, along with complimentary railway lounge access. Perks: Lifetime free credit card with no joining or annual fees; 10X Reward Points (1.25%) on dining, travel, and international spends; 25% discount on movie tickets (up to ₹100) once a month.
Mayura Credit Card (IDFC FIRST Bank): joining fee ₹5,999 · annual fee ₹5,999 · base reward 0.83% of spend · lounge visits per year: 16 domestic, 16 international · credit score 750+. A super-premium metal credit card offering zero forex markup, extensive global lounge access, and tiered rewards up to 10X. Perks: Exquisite 17g metal card featuring a peacock design; Zero foreign exchange markup fee for international transactions; Up to 16 complimentary domestic airport lounge and spa visits per year (4 per quarter with 1 guest visit).
FIRST Millennia Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 720+. A lifetime-free credit card for millennials offering strong accelerated rewards on dining and travel, along with complimentary railway lounge access. Perks: Lifetime free credit card with no joining or annual fees; 10X Reward Points (1.25%) on dining, travel, and international spends; 25% discount on movie tickets (up to ₹100) once a month.
FIRST Private Credit Card (IDFC FIRST Bank): joining fee ₹50,000 · annual fee ₹25,000 · base reward 1.67% of spend · lounge visits per year: 999 domestic, 999 international · credit score 750+. An exclusive invitation-only metal super-premium card offering unlimited global lounge access, zero forex markup, and strong travel rewards. Perks: Made of sustainable metal with 54% post-consumer recycled material; 0% foreign exchange markup fee and 0% interest on global cash withdrawals; Unlimited complimentary domestic and international airport lounge access.
FIRST Select Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · lounge visits per year: 4 domestic · forex markup 1.99% · income guide ₹12,00,000 a year · credit score 750+. A highly rewarding lifetime-free credit card offering accelerated points on high monthly spends and a low 1.99% forex markup. Perks: Lifetime free credit card with no joining or annual fees; Buy 1 Get 1 free movie ticket on Paytm (up to ₹250 off), twice a month; 1 complimentary domestic airport lounge visit and 4 railway lounge visits per quarter.
FIRST SWYP Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499 · forex markup 3.5% · income guide ₹2,50,000 a year · credit score 750+. An entry-level lifestyle credit card offering monthly spend-based milestones, year-round brand discounts, and railway lounge access. Perks: Up to 20% instant discounts on partner brands like Zomato, Domino's, and EaseMyTrip; Complimentary 1-year Lenskart Gold Max Membership; 4 complimentary railway lounge visits per quarter.
IndiGo IDFC FIRST Credit Card (IDFC FIRST Bank): joining fee ₹700 · annual fee ₹700 · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. A co-branded airline credit card offering accelerated rewards on IndiGo flights, complimentary flight tickets, and travel perks. Perks: Complimentary IndiGo flight ticket as a welcome benefit; Accelerated 6E Rewards on IndiGo flight bookings and website spends; Discounted convenience fee on IndiGo flight bookings.
IDFC FIRST WOW! Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.5% of spend. A lifetime-free, guaranteed-approval secured card built for beginners and international travelers with zero forex markup. Perks: Zero forex markup fee on all international transactions; Guaranteed approval with no income proof or CIBIL score required; Credit limit equal to 100% of your fixed deposit value.
FIRST Power+ Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level co-branded fuel card offering accelerated rewards on HPCL fuel, groceries, utilities, and FASTag recharges. Perks: Up to 6.5% savings on HPCL fuel via 30X rewards and HP Pay App Happy Coins; 5% savings (30X rewards) on grocery and utility spends up to ₹2,000 per month; 5% savings on IDFC FIRST FASTag recharges.
HPCL FIRST Power+ Credit Card (IDFC FIRST Bank): joining fee ₹499 · annual fee ₹499, waived on ₹1,50,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year · credit score 750+. An entry-level, UPI-enabled co-branded fuel card offering strong returns for HPCL loyalists alongside basic lifestyle benefits. Perks: Up to 6.5% savings at HPCL fuel stations; 4 complimentary domestic lounge visits per year (spend-based); 25% off on movie tickets up to ₹100 per month.
Wealth Credit Card (IDFC FIRST Bank): no joining fee · no annual fee · base reward 0.38% of spend · lounge visits per year: 4 domestic, 4 international · forex markup 1.5% · income guide ₹36,00,000 a year · credit score 750+. A premium lifetime-free travel card offering low 1.5% forex markup, global lounge access, and 10X rewards on dining and travel. Perks: Lifetime free credit card with zero joining and annual fees; 10X Reward Points (1.25%) on dining, travel, and international purchases; Low foreign exchange markup of just 1.5%.

Truely Money is an independent sole proprietorship registered under Udyam (MSME), Udyam Registration No. UDYAM-MP-16-0077048. Questions, corrections or feedback: support@truelymoney.com.