HDFC Bank vs IDFC FIRST Bank Credit Card: Which Should You Choose?
A side-by-side comparison of HDFC Bank and IDFC FIRST Bank credit card on the things that affect your wallet. Figures are illustrative 2026 ranges — your actual offer depends on your profile.
HDFC Bank
Credit Card
- Best for
- Rewards & cashback
- Joining fee
- ₹500–₹2,500
- Annual fee
- ₹500–₹2,500
IDFC FIRST Bank
Credit Card
- Best for
- Lifetime-free & low APR
- Joining fee
- Nil (lifetime free)
- Annual fee
- Nil (lifetime free)
The verdict
HDFC Bank and IDFC FIRST Bank suit different spenders — HDFC Bank leans toward rewards & cashback, while IDFC FIRST Bank leans toward lifetime-free & low apr. Pick the one matching your biggest spend category, and check the fee against the waiver.
Compare your real offersSoft check — won't affect your credit score.
Choose HDFC Bank if…
- • Wide range across cashback, travel & premium
- • Strong reward rates and milestone benefits
- • Easy EMI conversion
Choose IDFC FIRST Bank if…
- • Lifetime-free cards
- • Among the lowest APRs
- • Reward points never expire
HDFC Bank vs IDFC FIRST Bank — FAQs
Which is better, HDFC Bank or IDFC FIRST Bank credit card?+
HDFC Bank and IDFC FIRST Bank suit different spenders — HDFC Bank leans toward rewards & cashback, while IDFC FIRST Bank leans toward lifetime-free & low apr. Pick the one matching your biggest spend category, and check the fee against the waiver.
Does HDFC Bank or IDFC FIRST Bank have a lower fee?+
HDFC Bank's annual fee is around ₹500–₹2,500 and IDFC FIRST Bank's around Nil (lifetime free). Many cards waive the fee on a yearly spend threshold — factor that in.
Can I compare HDFC Bank and IDFC FIRST Bank on RupeeQuik?+
Yes. Compare your eligible offers from both with a soft credit check that doesn't affect your score, then apply to the best-fit option.
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