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 | ₹6,195 |
| Best lifetime free | IDFC FIRST Wealth | ₹1,995 |
| Best for high spenders | IDFC FIRST Wealth | ₹18,195 |
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
The planned 26 October 2026 withdrawal of reward points on international transactions is cancelled. Cards keep zero forex markup and earn reward points or cashback on international spends as per their features.
IDFC FIRST Millennia · IDFC FIRST Wealth · IDFC FIRST Select · Source
Improvement IDFC FIRST Bank
All existing and new IDFC FIRST credit cards charge no forex markup from 9 September 2026. The bank initially said most cards would stop earning points on international spends from 26 October 2026, but withdrew that; its 17 September press release says rewards continue.
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. 3 notable changes this year, including: IDFC FIRST: reward points continue on international spends; IDFC FIRST: zero forex markup on all credit cards. See our changes log for details and sources.