1. IDFC FIRST Hello Cashback Credit Card
Annual fee ₹1,000 · Rewards up to 3% · You keep ₹5,160* a year
The IDFC FIRST Hello Cashback Credit Card is issued against a fixed deposit from ₹10,000. It gives 3% to 5% cashback on online spends and 1% on in-store and UPI spends, with no foreign currency markup.
- 3% on online shopping
- 1% on other spends
2. HPCL FIRST Power+ Credit Card
Annual fee ₹499 · Rewards up to 5% · You keep ₹2,280* a year
The HPCL FIRST Power+ Credit Card gives 5% back as reward points on HPCL fuel, grocery, utility bills and IDFC FIRST FASTag, plus 1.5% more on HPCL fuel paid through the HP Pay app. It costs ₹499 a year, reversed on ₹1.5 lakh of yearly spends.
- 5% on HPCL pumps
- 5% on groceries
- 5% on bills and utilities
- 0.5% on other spends
3. IDFC FIRST WOW! Black Credit Card
Annual fee ₹750 · Rewards up to 0.67% · You keep ₹1,983* a year
The IDFC FIRST WOW! Black Credit Card is issued against a fixed deposit from ₹20,000. It has zero foreign currency markup, reward points that never expire, and 1 domestic lounge visit a quarter.
- 0.17% on bills and utilities
- 0.67% on other spends
4. HPCL FIRST Power Credit Card
Annual fee ₹199 · Rewards up to 3.5% · You keep ₹1,918* a year
The HPCL FIRST Power Credit Card is the lower-fee sibling of the Power+: ₹199 a year instead of ₹499, waived on just ₹50,000 of yearly spends, but it earns 3.5% as points on HPCL fuel instead of 5% and has no lounge access. Grocery, utility bills and IDFC FIRST FASTag earn 2.5%, and there is no foreign currency markup.
- 3.5% on HPCL pumps
- 2.5% on groceries
- 2.5% on bills and utilities
- 0.33% on other spends
5. IDFC FIRST EARN Credit Card
Annual fee ₹499 · Rewards up to 5.5% · You keep ₹1,800* a year
The IDFC FIRST EARN Credit Card is a virtual RuPay card issued against a fixed deposit from ₹5,000. It gives 0.5% to 1% cashback on UPI and online spends, up to ₹500 a cycle, with zero forex markup, so it suits people building a credit history.
- 0.5% on other spends
6. IDFC FIRST Classic Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,755* a year
The IDFC FIRST Classic Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. The bank describes it as an option for first-time card users.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
7. IDFC FIRST Millennia Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,755* a year
The IDFC FIRST Millennia Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It charges no forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
8. IDFC FIRST Select Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,755* a year
The IDFC FIRST Select Credit Card is a lifetime free card with 10X Reward Points on dining, travel, international spends and spends on your birthday. It also gives domestic airport and railway lounge visits, based on spends, and zero forex markup.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
9. IDFC FIRST Wealth Credit Card
Annual fee Free · Rewards up to 1.25% · You keep ₹1,755* a year
The IDFC FIRST Wealth Credit Card is a lifetime free premium card. It gives 10 reward points per ₹200 on dining, travel and international spends, 3 on other spends, and lounge visits each quarter.
- 1.25% on dining and food delivery
- 1.25% on travel
- 0.13% on bills and utilities
- 0.38% on other spends
10. IDFC First Bank Ashva Metal Credit Card
Annual fee ₹1,000 · Rewards up to 1.67% · You keep ₹1,679* a year
The IDFC FIRST Ashva Credit Card is a metal travel card with a modest fee. It earns 5 reward points per ₹150, 10 above ₹20,000 a month, and gives 4 domestic and 2 international lounge visits each quarter.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
11. IDFC FIRST WOW! Credit Card
Annual fee Free · Rewards up to 0.5% · You keep ₹1,485* a year
The IDFC FIRST WOW! Credit Card is a lifetime free card issued against a fixed deposit of at least ₹20,000. It needs no income proof or credit history, and it charges no forex markup.
- 0.13% on bills and utilities
- 0.5% on other spends
12. IDFC FIRST Bank Mayura Credit Card
Annual fee ₹5,999 · Rewards up to 1.67%
The IDFC FIRST Bank Mayura Credit Card is a metal card with zero forex markup, 5X to 10X reward points that never expire, and up to 4 domestic lounge visits a quarter. It costs ₹5,999 a year plus GST.
- 0.17% on bills and utilities
- 0.83% on other spends
- 1.67% on spends above ₹20,000 a month
Compare these cards
| Card | Joining fee | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|---|
| IDFC FIRST Hello Cashback Credit Card | Free | ₹1,000 | 3% | ₹5,160* |
| HPCL FIRST Power+ Credit Card | ₹499 | ₹499 | 5% | ₹2,280* |
| IDFC FIRST WOW! Black Credit Card | ₹750 | ₹750 | 0.67% | ₹1,983* |
| HPCL FIRST Power Credit Card | ₹199 | ₹199 | 3.5% | ₹1,918* |
| IDFC FIRST EARN Credit Card | ₹499 | ₹499 | 5.5% | ₹1,800* |
| IDFC FIRST Classic Credit Card | Free | Free | 1.25% | ₹1,755* |
| IDFC FIRST Millennia Credit Card | Free | Free | 1.25% | ₹1,755* |
| IDFC FIRST Select Credit Card | Free | Free | 1.25% | ₹1,755* |
| IDFC FIRST Wealth Credit Card | Free | Free | 1.25% | ₹1,755* |
| IDFC First Bank Ashva Metal Credit Card | ₹2,000 | ₹1,000 | 1.67% | ₹1,679* |
| IDFC FIRST WOW! Credit Card | Free | Free | 0.5% | ₹1,485* |
| IDFC FIRST Bank Mayura Credit Card | ₹5,999 | ₹5,999 | 1.67% | -₹4,220* |
How to choose a IDFC FIRST credit card
- Start with where you spend the most, then look for the card that pays on it.
- Check the limit on the top rate, and which spends earn nothing.
- See if you can reach the fee waiver with your normal spending.
- Read the age and income rules on the card page before you apply.
How we ranked these cards
We work out what each card pays on ₹30,000 a month of mixed spending, then take off the renewal fee with GST. We count rewards only up to each limit. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there. Welcome gifts and lounge visits are left out. What a bank pays us plays no part. Your own result will differ, so try the credit card finder with your spending.
The bank alone decides approval and your credit limit.
Frequently asked questions
Which IDFC FIRST credit card is the best?
It depends on how you spend. On our example spending, IDFC FIRST Hello Cashback Credit Card comes first, but your result will differ. Try the credit card finder with your own numbers.
Which IDFC FIRST credit card has the lowest annual fee?
IDFC FIRST Classic Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card and IDFC FIRST WOW! Credit Card have no annual fee.
How many IDFC FIRST credit cards have you checked?
We have checked 12 so far, against IDFC FIRST Bank's own terms: HPCL FIRST Power Credit Card, HPCL FIRST Power+ Credit Card, IDFC First Bank Ashva Metal Credit Card, IDFC FIRST Bank Mayura Credit Card, IDFC FIRST Classic Credit Card, IDFC FIRST EARN Credit Card, IDFC FIRST Hello Cashback Credit Card, IDFC FIRST Millennia Credit Card, IDFC FIRST Select Credit Card, IDFC FIRST Wealth Credit Card, IDFC FIRST WOW! Black Credit Card and IDFC FIRST WOW! Credit Card.
Who decides if I get a IDFC FIRST credit card?
IDFC FIRST Bank alone decides approval and your credit limit, based on its own rules. Age and income rules are on each card page.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms. Fees are before GST.
Some Apply buttons are partner links. What a bank pays us never changes the order or any figure. How we make money