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Best IDFC FIRST Bank Rewards Credit Card 2026

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Popular IDFC FIRST Bank Rewards Credit Card Offers

Scout through some of the best hand-picked credit card offers.

FIRST Millennia Credit Card

Movies
Lifetime Free
Rewards

Joining Fee: Nil
Annual/Renewal Fee: Nil

Cashback capped at Rs. 1,000 on the 1st EMI transaction.
Upto 25% off on movie tickets.
0% interest charged on credit card cash withdrawals.

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FIRST Classic Credit Card

Shopping
Lifetime Free
Rewards

Joining Fee: Nil
Annual/Renewal Fee: Nil

Up to 10X reward points.
Upto 25% discount on tickets.
No joining/annual fee.

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FIRST Wealth Credit Card

Travel
Lifetime Free
Rewards

Joining Fee: Nil
Annual/Renewal Fee: Nil

Upto 10X rewards on monthly spends.
Up to 4 airport lounge visits per quarter
Upto 5% cashback on your 1st EMI transaction.

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FIRST Power Credit Card

Rewards
Fuel

Joining Fee: ₹499+taxes
Annual/Renewal Fee: ₹499+taxes

Up to 6.5% savings on your fuel expenses.
Upto 5% savings as Rewards on Grocery & Utility expenses.
Upto 25% off on 1 movie/month via Paytm.

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Key Benefits of IDFC FIRST Bank Rewards Credit Card

The IDFC FIRST Bank Rewards Credit Card helps you earn rewards, save on everyday spending and manage expenses easily. Below is a summary of the standard features of the IDFC FIRST Bank Rewards Card:

No Joining or Annual Fee on Many Cards
Earn Reward Points on Everyday Spending
Exclusive Deals & Offers
Travel-Friendly Features
Online & Paperless Application
EMI Conversion for Big Purchases

Who Should Apply for the IDFC FIRST Bank Rewards Credit Card?

The IDFC FIRST Bank Rewards Credit Card is designed for those who want to maximise value from everyday spending. With rewards on regular purchases, special offers and travel perks, it works best for users who make consistent use of their card and enjoy flexible redemption options.

People who spend regularly every month
Frequent online shoppers and travellers
Those who want never‑expiring reward points
Card users looking for lifestyle perks and discounts
Individuals who prefer flexible redemption options

Fees & Charges of IDFC FIRST Bank Rewards Credit Card

IDFC FIRST Bank Rewards Credit Cards come with a set of standard fees and charges that vary by card variant and usage. While exact amounts vary by card, the general structure includes annual or joining fees, interest rates, and charges for late payments, cash withdrawals, or foreign transactions.

Type	Fees & Charges
Interest rates & finance charges	0.75% to 3.99% per month (about 9% to 47.88% per year) on unpaid balances and cash advances.
Late payment fees & other charges	The late fee is 15% of the total amount due, with a minimum of ₹100 and a maximum of ₹1,300. No late fee if the total owing is under ₹100. Cash advance fee is ₹199 per ATM withdrawal (where cash advance is allowed).
Foreign transaction fees	1.5% on FIRST Wealth, 1.99% on FIRST Select/Employee/Ashva/FIRST Digital RuPay, and 3.5% on most other cards.

Eligibility Criteria of IDFC FIRST Bank Rewards Credit Card

Eligibility for an IDFC FIRST Bank Rewards credit card is based on factors such as age, income, and credit profile. The table below gives a clear overview of the general eligibility criteria applicable to the rewards credit card category:

Criteria	Details
Age	You should be between 21 and 65 years old when you apply for an IDFC FIRST credit card.
Income	You need a regular income as a salaried or self-employed individual. Entry-level cards start at ₹25,000 per month or ₹3 lakh per year in total revenue.
Residential status	IDFC FIRST credit cards are generally issued only to Indian residents and citizens. NRIs usually are not eligible for these cards.
Documents required	Basic KYC and income proof: PAN; Aadhaar / Passport / Voter ID / Driving Licence for ID and address; and recent salary slips or bank statements / ITR as income proof. A passport-size photo would also be requested during the process.

Documents Required For IDFC FIRST Bank Rewards Credit Card

Certain documents are checked during the IDFC FIRST Bank Rewards Credit Card application process to verify identity, address, and income. Having these ready helps ensure smoother and faster processing.

Document Type	Accepted Documents / Details
Identity Proof	PAN card (preferred), Aadhaar card, Passport, Voter ID, Driving Licence
Address Proof	Aadhaar, Passport, Voter ID, Driving Licence, recent utility bill (electricity, water, gas, landline), registered lease or property document
Income Proof	Salaried: Recent salary slips, bank statement showing salary credit, Form 16 (if required) Self-employed: ITR for last 1–2 years, audited financial statements, business/primary bank account statements
PAN & KYC	Valid PAN card and completed KYC process
Application & Photographs	Completed application form (online or physical) and a recent passport-size photograph

How to Earn IDFC FIRST Bank Credit Card Reward Points?

Earning reward points with an IDFC FIRST Bank Rewards Credit Card is simple. Cardholders earn points on almost all eligible transactions, including shopping, dining, fuel, travel and online purchases. Many card variants offer accelerated points on higher spending or specific categories, while some premium cards provide bonus points on milestone spends or special occasions like birthdays. Points are credited after the transaction, and the never-expiring nature of IDFC FIRST Bank reward points allows you to accumulate and redeem them at your convenience for vouchers, travel bookings, shopping or other lifestyle benefits.

Validity of IDFC FIRST Bank Credit Card Reward Points

One of the standout features of the IDFC FIRST Bank Rewards Credit Card is that the reward points do not expire. Unlike many other credit cards, where points have a fixed validity period, IDFC FIRST Bank allows you to accumulate points over time and redeem them whenever it suits you. This makes it easier to plan redemptions for big purchases, travel or lifestyle rewards.

How to Redeem IDFC FIRST Bank Credit Card Reward Points?

Redeeming reward points on an IDFC FIRST Bank Rewards Credit Card is simple and flexible. Cardholders can use their points through the bank’s mobile app or online portal to shop from partner merchants, book travel tickets, or claim gift vouchers. Depending on the card variant, you may also use points for lifestyle offers, bill payments or special brand deals, giving you multiple ways to make your rewards work for you.

How to Apply Online for IDFC FIRST Bank Rewards Credit Card through Urban Money?

Applying for an IDFC FIRST Bank Rewards Credit Card through Urban Money is fast, simple and paperless. You can complete the application online in just a few minutes, and the platform securely forwards your details to the bank for verification.

Visit the Urban Money website and go to the Credit Cards section.
Select the IDFC FIRST Bank Rewards Credit Card from the available options.
Click Apply Now on the chosen card.
Fill in basic details such as your name, contact number, income and city.
There will be a contact verification step, which takes only a few minutes.
Once approved, Urban Money will contact you for further assistance.

Frequently Asked Question (FAQs)

What makes the IDFC FIRST Bank Rewards Credit Card different from other cards?

IDFC FIRST Bank Rewards Credit Card helps you earn points on everyday spending like shopping, dining, fuel, travel and online purchases, and the points never expire, giving you flexibility to redeem whenever you want.

How do I earn reward points on this card?

Every eligible transaction earns points, and you can get extra points on bigger spends or special categories depending on the card type.

Do my reward points ever expire?

No, one of the best features is that your points don’t expire, so you can save them up for something big.

Is there a fee to get this card?

Many IDFC FIRST Bank cards have no joining or annual fee, while some premium cards do charge a fee.