Today we’ll talk about the top IDFC FIRST Bank Credit Cards—covering their reward rates, best spending categories, annual fees, and key perks. If you’re confused about which card to choose, this guide is for you.”

IDFC FIRST Millennia – ₹0 Fee, Big Spend Specialist

• Fee & Eligibility: Lifetime free; min. income ₹3L p.a.

• Rewards:

  • 10X Reward Points (on bills above ₹20K & birthdays) – great for large spends

  • 3X RP on retail spends

  • 1X RP on fuel, EMI & utilities

• Best for: Big monthly spends & birthday rewards

• Perks:

  • ₹500 gift voucher (₹5K spend in 90 days)

  • 25% off movies (up to ₹100)

  • 4 free railway lounge visits/quarter

  • 1% fuel surcharge waiver (₹200/month cap)

IDFC FIRST Select – Premium Lifestyle & Travel

• Fee & Eligibility: Lifetime free; income ≥ ₹12L p.a.

• Rewards:

  • 10X RP on spends above ₹20K

  • 3X RP on spends ≤ ₹20K

  • 1X RP on fuel/EMI/utility

• Best for: Frequent flyers & high-spenders

• Perks:

  • 2 domestic airport + 4 railway lounges/quarter

  • Buy-1-Get-1 on movies (up to ₹125, twice a month)

  • 1% fuel waiver (₹300/month)

  • Low forex markup (1.99% + GST)

  • Travel protection, concierge & golf privileges

IDFC FIRST Power+ – Everyday Super-Saver

• Fee & Eligibility: ₹499 + GST (waived on ₹1.5L annual spend)

• Rewards:

  • Up to 6.5% on HPCL fuel (30X RP + HP coins; ₹500 benefit on 1st HPCL txn)

  • 5% groceries & utilities (max 400 RP/cycle)

  • Up to 8.83% hotels & flights via IDFC app (50X hotels, 30X flights, capped at 8000 bonus RP)

  • 5% on FASTag recharges

  • 3X RP on UPI & retail (0.50% reward rate)

• Best for: Fuel, grocery & app-based travel bookings

• Perks:

  • 1 airport lounge/quarter (spend-linked) + roadside assistance

  • 25% off movies (₹100 cap)

  • Personal accident cover ₹2L

  • Balance transfer & EMI conversion

IDFC WOW (FD-Backed) – Zero Risk, Fee-Free

• Fee & Eligibility: Lifetime free; FD ≥ ₹20K

• Rewards:

  • Up to 4X RP on spends (0.67% Reward Rate; utilities 1X)

  • Zero forex markup

• Best for: Beginners, credit builders & fee-averse users

• Perks:

  • 300+ merchant deals

  • 20% off dining; 15% wellness

  • 1% fuel waiver (₹200 cap)

  • Accident cover ₹2L; roadside assistance

IDFC FIRST Earn (FD-Backed)

• Fee & Eligibility: ₹499 + GST; FD ≥ ₹5K

• Rewards:

  • 1% on app transactions

  • 0.5% on UPI/utility/insurance (cap ₹500/mo)

• Best for: Simple cashback lovers

• Perks:

  • 100% cashback on 1st UPI txn (up to ₹500)

  • 25% off movies

  • Roadside assistance

IDFC FIRST Classic – Everyday Bonus Spends

• Fee & Eligibility: Lifetime free; income ≥ ₹3L p.a.

• Rewards:

  • 10X RP on dining, groceries & movies

  • 3X RP on rent, govt., education

  • 1X RP on utilities & insurance

• Best for: Daily use categories

• Perks:

  • ₹500 voucher (welcome)

  • 25% off movies

  • 1% fuel waiver

IDFC FIRST Wealth – Luxury Lifestyle Card

• Fee & Eligibility: Lifetime free; income > ₹36L p.a.

• Rewards:

  • 10X RP on birthdays & spends > ₹20K (1.67% Reward Rate)

  • 3X RP on < ₹20K spends (0.50% Reward Rate)

  • 1X RP on insurance/utilities (0.17% Reward Rate)

• Best for: High-ticket spends & travel luxury

• Perks:

  • 2 domestic + 2 global lounge visits/quarter

  • 4 railway lounge visits/quarter (spend-linked)

  • Buy-1-Get-1 movies (₹250 cap)

  • Complimentary golf lessons

  • Trip cancellation cover up to ₹10,000

  • Luxury hotel privileges worldwide

IDFC FIRST SWYP – Travel Heavy Spender

• Fee & Eligibility: ₹499 + GST; income > ₹3L

• Rewards:

  • 35X RP on hotels, 15X RP on flights

  • Up to 1,400 RP on regular spends

• Best for: Travel-focused users

• Perks:

  • ₹500 Amazon voucher + lifestyle memberships

  • 4 railway lounges/quarter

  • 1% fuel waiver

IDFC Ashva – Premium Travel Card

• Fee & Eligibility: ₹2,999 + GST; income > ₹12L p.a.

• Rewards:

  • 10X RP on spends > ₹20K (2.67% Reward Rate)

  • 5X RP on spends ≤ ₹20K (1.33% Reward Rate)

  • 3X RP on rent, govt., education, wallets (0.80% Reward Rate)

  • 50X RP on hotels (13.33% Reward Rate) & 30–60X on flights (up to 16% Reward Rate) via Travel & Shop

• Best for: Affluent frequent travelers

• Perks:

  • 4 domestic + 2 overseas lounges/quarter (spend-linked)

  • ₹5,000 off Postcard Hotels (quarterly)

  • Forex markup 1%

  • Trip cancellation cover up to ₹25,000

IDFC Mayura – Ultra Premium HNI Card

• Fee & Eligibility: ₹5,999 + GST; income > ₹25L p.a.

• Rewards:

  • 50X hotels & 30X flights via Travel & Shop

  • 10X RP on spends > ₹20K

• Best for: Ultra-HNI luxury travel

• Perks:

  • 4 domestic + 4 overseas lounges/spa visits/quarter

  • ₹50K trip cancellation cover

  • ₹5K off Postcard Hotels

LIC Classic – Insurance-Focused Card

• Fee & APR: Lifetime free; APR 9% → 8.5% (Feb 2025)

• Rewards:

  • 6X RP on LIC premiums

  • 3X on groceries, utilities, rail, education

  • Up to 48X on hotels & flights via IFB app

  • 1X RP on others

• Best for: LIC policyholders & travel bookings

• Perks:

  • 1 airport + 2 railway lounges/quarter

  • Fuel surcharge waiver (₹200 cap)

  • Credit shield & purchase protection

LIC Select – Premium LIC & Lifestyle Card

• Fee & APR: Lifetime free; APR 9% → 8.5% (Feb 2025)

• Rewards:

  • 10X on LIC premiums (1.67% Reward Rate)

  • 5X on grocery, utilities, rail, education (0.83% Reward Rate)

  • 5X on other spends

  • Up to 50X on hotels & flights via IDFC app (8.33% Reward Rate)

• Best for: Heavy LIC users + lifestyle spenders

• Perks:

  • 2 airport + 4 railway lounges/quarter

  • 1% fuel waiver (₹300 cap)

  • ₹1 Cr air accident cover; ₹5L personal accident cover

  • Comprehensive travel insurance & roadside assistance

  • Welcome benefits: 2,000 RP on ₹10K spend + EMI cashback

Final Verdict

• For beginners: IDFC WOW (FD-backed) / IDFC Classic

• For fuel & daily savings: IDFC Power+

• For travel: IDFC Select, Ashva, Mayura, or SWYP depending on budget

• For LIC policyholders: LIC Classic or LIC Select

• For luxury seekers: IDFC Wealth & Ashva

In short, IDFC FIRST cards excel in lifestyle + travel, while LIC cards are tailor-made for insurance policyholders. Choose according to your spending pattern and maximize the rewards.

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IDFC First Wow Credit Card Apply Link - Click Here
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IDFC Power Plus Credit Card Apply Link - Click Here 
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