IDFC FIRST Bank Credit Cards

Latest Update: IDFC FIRST Credit Cards Now Offer Zero Forex Mark-up

IDFC FIRST Bank has introduced a zero forex mark-up benefit across its credit card portfolio, effective September 9, 2026. So, now the cardholders can make credit card transactions in foreign currency without the additional forex mark-up that would otherwise apply. The benefit is available to both existing IDFC FIRST Credit Card customers and new applicants. However, from October 26, 2026, most cards covered by this benefit will not earn reward points on international transactions. Although, select cards, including IDFC FIRST Ashva, IndiGo, Mayura, FIRST Private, FIRST WOW!, FIRST WOW! Black and Gaj, will continue to earn rewards on international spends.

IDFC FIRST Credit Card Benefits

Each IDFC Bank Credit Card is designed to offer you different benefits, you can also view free credit score to better understand your eligibility and choose the right card. Some of these general benefits are listed below:

• Lifetime-free Cards
  IDFC FIRST Bank offers lifetime-free credit cards, like FIRST Wealth, Select, Millennia and Classic, that do not require any joining or annual fee payments.

• All-round Benefits
  While most IDFC cards offer benefits inclined around select categories, you also get basic overall benefits. For instance, FIRST Power+ Credit Card offers accelerated rewards on fuel, but you also get up to 5% back on grocery, utility, and FASTag recharges, among other benefits.

• Accelerated Reward Points on Travel Bookings
  Each IDFC FIRST Credit Card offers rewards on regular eligible spends. But some cards also come with accelerated rewards. For instance, Ashva and Mayura offer 10X rewards on regular spends and bonus reward points of up to 30X on travel bookings done via IDFC FIRST Bank mobile app.

• Welcome Benefits
  All IDFC Credit Cards offer joining or card activation benefits, like e-vouchers of top brands, bonus cashback, discount offers, etc. While some cards offer benefits worth the joining fee, others offer activation benefits even at zero joining fee.
• Lower Fees & Charges
  In comparison to other credit cards, IDFC Credit Cards come with lower fees and charges. The interest rate on these cards ranges from 8.5% to 47.88% per annum. Some cards also offer lower interest rate on EMI spends, cash withdrawals, and balance transfers, along with a zero forex mark-up fee.