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4 Best IDFC First Bank Credit Cards In India 2022
IDFC First Bank is one of the newest and disruptive players in India’s credit card market. The bank’s credit cards are known for being lifetime free and offering generous rewards on multiple spend categories. IDFC First Bank credit cards have some unique features that include interest-free cash withdrawal from ATMs in India and up to 10X accelerated rewards on birthday spends, alongside partnerships with online shopping apps. We have listed out the best IDFC First Bank credit cards in the market at the present moment to help you choose the right one.
List Of 4 Best IDFC First Bank Credit Cards in India For 2022
1. IDFC First Bank Millennia Credit Card
- The credit card has been made for millennials
- You get numerous rewards and privileges across various categories including instant discounts across 50+ daily use mobile apps and over 1500 restaurants on fine dining.
- 25% discount on movie tickets up to ₹ 100.
- 10X reward points on spending over Rs 20000 per month and birthday purchases.
- 6X reward points on online spends.
- 10 reward points on every Rs. 100 spent on this card.
- 4 complimentary Railway lounge visits per quarter
- 5% cashback on the first EMI transaction within 90 days.
- 15% instant discount on over 3,000 health and wellness outlets.
- Airport lounge access is not available with this card.
- Reward rate on any specific category isn’t class-leading
Why We Picked This Card?
The Millennia is the easiest IDFC First card to get approved. Given it has 90% of the benefits common with the more premium cards, it is a great entry-level card to consider. An alternative, the HDFC Millennia is the best HDFC credit card for beginners.
2. IDFC First Bank Classic Credit Card
- IDFC First Classic credit card offers generous rewards and cashback on various categories, including travel, entertainment, and shopping.
- IDFC First bank claims savings upto ₹10,400 annually by using this card on multiple partner websites and applications.
- 10X reward points on spending over ₹20000 per month and birthday purchases.
- 6X reward points on online spends.
- 10 reward points on every ₹ 100 spent on this card.
- Free Roadside Assistance (RSA) worth ₹ 1,399
- 25% discount on movie tickets capped at ₹ 100
- 4 complimentary Railway lounge visits per quarter
- 1% fuel surcharge waiver at all fuel stations across India.
- 5% cashback on the first EMI transaction within the first 90 days.
- Earned rewards points do not expire.
- No reward points on insurance and related products.
- No stand-out benefits
Why We Picked This Card?
The Classic is a tad bit better than the Millennia, and it doesn’t harm you to get one over the Millennia, if you get it approved. It’s lifetime free, after all.
3. IDFC First Bank Select Credit Card
- A premium credit card from IDFC First Bank, the IDFC First Select is power-packed with rewards and features like instant discounts and cashback across a range of restaurants and wellness centers.
- It offers 50+ In-App discount offers and Free Roadside Assistance (RSA) worth ₹1,399.
- 4 complimentary Railway lounge visits per quarter
- 10X reward points on spending over ₹ 20000 per month and birthday purchases.
- 6X reward points on online spends.
- 4 complimentary domestic airport lounge visits every quarter.
- Complimentary air accident insurance worth ₹ 1 Cr.
- 10 reward points on every ₹ 100 spent on this card.
- Comprehensive Travel Insurance Cover
- 5% cashback on the first EMI transaction within the first 90 days of card issuance.
- Reward points can be used to pay for online and offline store purchases instantly.
- No international airport lounge access available on this card
- The card lacks a dedicated 24/7 concierge service desk for travel and reservations.
Why We Picked This Card?
The Select card offers BOGO offers on movies and domestic lounge visits, which makes it a more lucrative option to consider if you are approved for it. Once again, it’s lifetime free
4. IDFC First Bank Wealth Credit Card
- IDFC First Bank Wealth is a super premium credit card that comes with a host of features and privileges across various categories like shopping, wellness, entertainment, dining, and fuel.
- It is one of the few cards with the lowest interest rates in the market and offers multiple lifestyles and travel benefits on top of that.
- Reward points for select merchandise and coupons can be redeemed at no extra cost.
- Earned rewards points do not expire.
- 5% cashback on the first EMI transaction within the first 90 days of card issuance.
- Interest-free cash withdrawal upto 48 days.
- Reward points can be used to pay for online and offline store purchases instantly.
- 1% fuel surcharge waiver at all fuel stations across India
- Welcome vouchers worth ₹ 500 on spending ₹ 15000 in the first 90 days.
- 4 complimentary domestic and international airport lounge visits every quarter
- 10X reward points on spending over ₹ 20000 per month and on birthday purchases
- Lost card liability of upto ₹ 50000 and complimentary personal insurance cover of upto ₹ 10 Lakhs.
- Premium features like concierge service and unlimited golf rounds are not offered.
- Complimentary priority pass membership is not offered.
Why We Picked This Card?
The Wealth is the best credit card from IDFC First Bank. You get premium benefits on top of VISA Infinite offers. However, approval is slightly difficult.
Compare Best IDFC First Bank Credit Cards
| Credit Cards | Joining Fees | Annual fee waiver |
|---|---|---|
| IDFC First Bank Millennia | 0 | N/A |
| IDFC First Bank Classic | 0 | N/A |
| IDFC First Bank Select | 0 | N/A |
| IDFC First Bank Wealth | 0 | N/A |
IDFC First Bank offers a wide variety of cards in various categories. The bank has no restrictions on features and privileges based on the applicant’s credit score or income.
Most of the features and reward rate are constant across the four cards offered by the bank. Each card has a high reward rate and is lifetime free. They are a must-have if you spend a lot on shopping, wellness, entertainment, dining, and fuel.
These were our picks for the best IDFC First Bank credit cards that you can get in India. Credit cards from IDFC First Bank are known for being lifetime free and offering exclusive rewards on your favourite apps. They also offer a higher level of security in terms of credit shield and lost card liability. You can also check out the best SBI credit card offers. Also, check out the best Axis credit card offers running right now. One should choose a credit card that suits their lifestyle as well as their spending pattern. To make the best out of credit cards, you should consider your credit score and annual income. Good luck with your research.