Issuer · 7 cards · updated 2026-09-19

IDFC FIRST Bank credit cards, ranked

Every IDFC FIRST Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.

Best IDFC FIRST Bank credit card (Sept 2026): IDFC FIRST Bank FIRST Power+ (HPCL) – score 62/100, ₹7,908 net a year for the standard profile; FIRST Wealth is next. 7 IDFC FIRST Bank cards on CardLens: 4 lifetime free, 5 with lounge access, 1 on RuPay UPI.

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Top 3 IDFC FIRST Bank cards

IDFC FIRST Bank FIRST Power+ credit card
IDFC FIRST Bank× HPCLRuPay · UPI

FIRST Power+

62
Net savings₹7,908/yr
Savings rate2.0%
Annual feeWaived ₹589
Lounge✈4 dom

✓ 5% value on grocery, utilities, FASTag earns you about ₹3,660 a year on ₹73,200 of spend.

Details
IDFC FIRST Bank FIRST Wealth credit card
IDFC FIRST BankVisa

FIRST Wealth

47
Net savings₹2,247/yr
Savings rate0.7%
Annual feeFree for life
Lounge✈8 dom🌏8 intl

✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

Details
IDFC FIRST Bank FIRST Select credit card
IDFC FIRST BankVisa

FIRST Select

47
Net savings₹2,247/yr
Savings rate0.7%
Annual feeFree for life
Lounge✈8 dom

✓ Base rate 0.5% on other spends earns you about ₹1,213 a year on ₹2,42,640 of spend.

Details

All 7 IDFC FIRST Bank cards

IDFC FIRST Bank credit cards ranked
#CardScoreNet savings / yrTypeAnnual feeLounge
1IDFC FIRST Bank FIRST Power+ credit cardFIRST Power+IDFC FIRST Bank × HPCL62/100₹7,908
2.0% rate		Fuel · UPI · 3.5% forexWaived ₹5894 domestic/yr
2IDFC FIRST Bank FIRST Wealth credit cardFIRST WealthIDFC FIRST Bank47/100₹2,247
0.7% rate		Lifestyle · 1.5% forexFree for life8 domestic + 8 international/yr
3IDFC FIRST Bank FIRST Select credit cardFIRST SelectIDFC FIRST Bank47/100₹2,247
0.7% rate		Lifestyle · 1.99% forexFree for life8 domestic/yr
4IDFC FIRST Bank Ashva credit cardAshvaIDFC FIRST Bank36/100−₹341
-0.1% rate		Premium · 1% forexYou pay ₹3,5398 domestic + 8 international/yr
5IDFC FIRST Bank Mayura credit cardMayuraIDFC FIRST Bank35/100−₹3,881
-1.2% rate		Premium · 0% forexYou pay ₹7,07912 domestic + 12 international/yr
6IDFC FIRST Bank FIRST WOW credit cardFIRST WOWIDFC FIRST Bank33/100₹2,307
0.7% rate		Entry-level · 0% forexFree for lifeNo lounge access
7IDFC FIRST Bank FIRST Classic credit cardFIRST ClassicIDFC FIRST Bank33/100₹2,247
0.7% rate		Entry-level · 3.5% forexFree for lifeNo lounge access

Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →

Compare IDFC FIRST Bank cards

FIRST Wealth vs FIRST SelectMayura vs AshvaPick your own →

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Frequently asked questions

Which IDFC FIRST Bank credit card is best?

For the standard ₹32k/month profile, IDFC FIRST Bank FIRST Power+ (HPCL) scores highest (62/100, ₹7,908 recurring net savings), ahead of FIRST Wealth (47). Your own spend can change the order – use Find My Card.

Which IDFC FIRST Bank credit card is lifetime free?

FIRST Wealth, FIRST Select, FIRST WOW, FIRST Classic are lifetime free on CardLens data (some only on offer, with a relationship or against a fixed deposit).

Which IDFC FIRST Bank credit card gives airport lounge access?

FIRST Power+ (4 domestic, needs ₹20,000/month); FIRST Wealth (8 domestic, needs ₹20,000/month); FIRST Select (8 domestic, needs ₹20,000/month); Ashva (8 domestic); Mayura (12 domestic).