IDFC FIRST Bank Credit Card— Interest Rates, Eligibility & How to Apply
IDFC FIRST Bank offers lifetime-free credit cards with low interest rates, never-expiring rewards and strong everyday value.
Soft check — comparing won't affect your credit score.
IDFC FIRST Bank Credit Card at a glance
Best for
Lifetime-free & low APR
Joining fee
Nil (lifetime free)
Annual fee
Nil (lifetime free)
Apply via
Soft check
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose IDFC FIRST Bank?
- Lifetime-free cards
- Among the lowest APRs
- Reward points never expire
- No hidden charges
How to apply via RupeeQuik
1. Compare
See your eligible credit card offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
IDFC FIRST Bank Credit Card — FAQs
What is the annual fee on the IDFC FIRST Bank credit card?+
Annual fees vary by card; this card's renewal fee is around Nil. Many cards waive it on meeting a yearly spend threshold.
What is the eligibility for a IDFC FIRST Bank credit card?+
You generally need a stable income and a credit score of 750+ for the best approval odds. Self-employed applicants may need income proof.
How do I apply for a IDFC FIRST Bank credit card?+
Compare your pre-qualified cards on RupeeQuik with a soft check that doesn't affect your score, then apply to the best-fit card.
