IDFC FIRST Bank · Credit Card
IDFC FIRST Bank Credit Card
Lifetime-free range of credit cards — the bank matches the best variant to your profile
Joining feeNil on lifetime-free variants
Annual feeNil on lifetime-free variants
Best forA first lifetime-free card
Key benefits
- Lifetime-free variants with no joining or annual fee — FIRST Classic, FIRST Millennia and FIRST WOW!
- UPI-ready RuPay options — pay by scan from any UPI app
- Zero-forex variants (like FIRST WOW!) for international spends
- FD-backed FIRST WOW! needs no income proof or credit history — approval against your own fixed deposit
- Fully digital application with Video KYC — no branch visit
- One application — the bank assigns the variant that fits your income profile
How to apply
- Tap Apply Now — you'll be redirected to the IDFC FIRST Bank credit card page
- Enter your Aadhaar-linked mobile number and PAN
- Complete the application in the same session — the bank shows the variant you qualify for
- Finish the Video KYC and make a small first transaction within 30 days to activate the card