FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth

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Personalize savings

Compare your card
Savings

Annual Charges
₹ 2000
Annual Charges
₹ 0
₹ 2000
₹ 2000
Monthly Interest Rate
₹ 2300
Monthly Interest Rate
0%
3.40%
₹ 2300
Rewards
₹ 6800
Rewards
2.5 reward points per ₹100
2 reward points on every ₹100 spend
₹ 6800
Rewards Redemption Fee
₹ 400
Rewards Redemption Fee
₹ 0
₹ 99
₹ 400
Rewards Expiry
₹ 600
Rewards Expiry
No expiry
3 Years
₹ 600
Interest on ATM Cash Withdrawal
₹ 1000
Interest on ATM Cash Withdrawal
0% p.m.
3.40% p.m.
₹ 1000
Forex Markup
₹ 400
Forex Markup
1.99%
3.50%
₹ 400
Total Savings
₹ 13500
*Indicative data for other bank credit cards last updated as on 1st Aug 2021
Comparison data shown above is accurate to the best of our efforts. However, IDFC FIRST Bank will not be responsible for any discrepancy in such data. You are requested to verify the other Bank Card features/charges, on the respective Bank website.
Calculation does not account for any bonus rewards, fee waivers based on milestone savings.

Lower your interest rate.

Usually, other credit cards charge as high as 42% per annum interest rate incase you choose to carry forward part of your outstanding balances.

IDFC FIRST Bank Credit Cards offer lower interest rates at 9% - 36% per annum.

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%
STARS

Pay no joining or annual fee.

Usually, other credit cards charge joining or annual fees, with waiver only on minimum spend criteria.

IDFC FIRST Bank Credit Cards are Lifetime free (with no joining or annual fees). No conditions apply.

Pay no fee

Withdraw cash at 0% Interest.

Usually, other credit cards charge as high as 42% per annum interest on cash withdrawal, starting from the day of withdrawal.

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

*Flat transaction fee of ₹ 250 applicable, against a fee of ₹ 350 charged by most other credit cards

Withdraw Freely
Cash
ATM Machine

Spend. Earn. Redeem. Repeat

Usually, other credit cards charge reward redemption fee up to ₹ 100 and also have an expiry date to reward points.

IDFC FIRST Bank Credit Card reward points come with no expiry & zero redemption charges.

Spend. Earn. Redeem. Repeat

Claim your power with IDFC FIRST Bank Credit Cards

Frequently asked questions

Am I eligible for this card?

How much do I pay for this card?

What are the interest charges on card?

How many reward points do I earn?

What are the charges for making payments in foreign currency?

Do I get any extra privileges with the card?

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