#1
IDFC · premium
IDFC FIRST Wealth
Premium card seekers who refuse to pay annual fees
Zero annual fee
1.65% base rewards
premium tier
APR if balance carried42%
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— 6 cards tracked
#2
IDFC · mid
IDFC FIRST Select Credit Card
Mid-income earners wanting a free card with lounge access
Zero annual fee
1.5% base rewards
mid tier
APR if balance carried42%
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#3
IDFC · premium
Club Vistara IDFC FIRST Bank
Frequent Vistara/Air India flyers via IDFC
₹4,999/year
2% base rewards
Lounge access
APR if balance carried42%
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IDFC · entry
IDFC FIRST Bank Millennia
Young earners wanting a free card with online rewards
Zero annual fee
1% base rewards
Cashback card
APR if balance carried42%
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IDFC · entry
IDFC FIRST Bank WOW Credit Card
FD-backed card for those building credit — zero fees
Zero annual fee
0.67% base rewards
entry tier
APR if balance carried42%
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IDFC · entry
IDFC FIRST Classic Credit Card
First credit card with low income requirement
Zero annual fee
1% base rewards
entry tier
APR if balance carried42%
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