IDFC FIRST Bank is known for lifetime free cards and, since 9 September 2026, zero forex markup on all its credit cards. Here's how every IDFC FIRST Bank card we track compares on fees, rewards and yearly value.
| Best for | Card | Est. yearly value |
|---|---|---|
| Best overall (balanced spender) | IDFC FIRST Wealth | ₹1,995 |
| Best for online shopping | IDFC FIRST Wealth | ₹2,505 |
| Best for travel | IDFC FIRST Wealth | ₹5,745 |
| Best lifetime free | IDFC FIRST Wealth | ₹1,995 |
| Best for high spenders | IDFC FIRST Wealth | ₹17,520 |
Estimated yearly value after caps, fees (with GST) and forex costs for our standard spending profiles. Use your own spends →
| Fee waiver | Lounge | Best for | Compare | ||||
|---|---|---|---|---|---|---|---|
IDFC FIRST Wealth IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | Domestic and international lounge access with ₹20,000 monthly spend | High spenders who want premium perks without a fee | |
IDFC FIRST Millennia IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | Railway lounge access | Young professionals who want a no-fee card with zero forex markup | |
IDFC FIRST Select IDFC FIRST Bank · Visa |
Free | – | Up to 0.38% | 0% | 1 domestic visit a quarter with ₹20,000 monthly spend, plus railway lounges | Salaried professionals who want a free card with zero forex |
Improvement IDFC FIRST Bank
All existing and new IDFC FIRST credit cards charge no forex markup from 9 September 2026. Most cards stop earning reward points on international spends from 26 October 2026.
Devaluation IDFC FIRST Bank
Lifetime free cards earn points per ₹200 instead of ₹150. Lounge access needs ₹20,000 monthly spend.
For a typical balanced spender, IDFC FIRST Wealth gives the highest estimated yearly value (₹1,995 after fees) among the 3 IDFC FIRST Bank cards we track. The best card for you depends on where you spend, so try our credit card finder.
Yes: IDFC FIRST Wealth, IDFC FIRST Millennia, IDFC FIRST Select.
Apply on IDFC FIRST Bank's official website or app. If you already bank with them, check the app for pre-approved offers first. Check your eligibility with our calculator before applying, since each application is a hard enquiry on your credit report.
Yes. 2 notable changes this year, including: IDFC FIRST: zero forex markup on all credit cards; IDFC FIRST: reward earn basis moved to ₹200. See our changes log for details and sources.