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IDFC FIRST Bank Credit Card

Issued by IDFC FIRST Bank

IDFC FIRST Bank issues a range of credit cards, including lifetime-free cards, fee-bearing travel and metal cards, UPI-enabled RuPay cards and FD-backed cards. Finance charges are dynamic and depend on the cardholder's profile.

Joining fee

₹199

Annual fee

Free

Fee waiver

—

Finance charge

8.5% – 46.2% p.a.

As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.

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Key benefits

  • FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth, FIRST WOW!, LIC Classic and LIC Select carry Nil joining and annual fees per the MITC
  • Fee-bearing variants range from ₹199 (FIRST Digital RuPay, FIRST Power) to ₹50,000 (FIRST Private) per year
  • Interest rate on most cards ranges from 0.71% to 3.85% per month (8.5% to 46.2% annually), set by the bank's internal policy
  • Overdue interest of 3.99% per month (47.88% annually) if the minimum amount due is not paid
  • Cash advance transaction fee of ₹199
  • Travel, metal, UPI and FD-backed card options

Best for

Lifetime-free cards with a dynamic interest rate

Pros

  • Several variants with no joining or annual fee
  • Interest rate can be lower than a flat card rate for some profiles
  • Wide choice of card types

Cons

  • Interest rate is dynamic, so your rate may be at the upper end of the range
  • Overdue interest rises to 47.88% annually if the minimum due is missed
  • Premium variants carry high annual fees

Frequently asked questions

Which IDFC FIRST credit cards have no annual fee?

Per the bank's MITC, FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth, FIRST WOW!, LIC Classic and LIC Select have Nil joining and annual fees.

What interest rate will I pay?

For most cards the MITC lists 0.71% to 3.85% per month (8.5% to 46.2% annually), decided by the bank's internal policy. FIRST Private lists 0.75% per month (9% annually). Overdue interest is 3.99% per month (47.88% annually).

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