FIRST Millennia
Everyday lifestyle spending without a joining or annual membership fee.
- Annual fee: Nil
- Key difference: lifetime-free lifestyle rewards
Issuer collection
Compare IDFC FIRST Bank credit cards
Explore verified mainstream cards across lifetime-free rewards, travel, fuel, EMI, UPI cashback and fixed-deposit-backed access. Open an individual guide before visiting the bank's general application flow.
Choose by the way you spend
Start with a use case, not a headline. Millennia and Classic focus on no-membership-fee rewards; Select and Wealth add travel positioning; Power and Power+ are HPCL-oriented; SWYP uses a distinctive EMI structure; EA₹N, WOW, WOW Black, Quantum+ and Hello Cashback use eligible fixed deposits to support access.
Important: The issuer-level application flow may show a different subset of cards. Availability, eligibility, approval and limit are decided by IDFC FIRST Bank.
All verified IDFC FIRST card guides
FIRST Classic
A straightforward lifetime-free reward card for early credit-card users.
- Annual fee: Nil
- Key difference: entry-level lifetime-free ownership
FIRST Select
Higher-income readers seeking domestic lounge, lower forex and lifestyle benefits without an annual fee.
- Annual fee: Nil
- Key difference: domestic travel benefits with 1.99% forex
FIRST Wealth
Eligible higher-income travellers who can use domestic and international lounge benefits.
- Annual fee: Nil
- Key difference: premium travel access and 1.5% forex
FIRST SWYP
Digital-first users who deliberately use eligible EMI conversion and monthly milestone rewards.
- Annual fee: ₹499 + GST
- Key difference: transaction and statement-balance EMI design
FIRST EA₹N
FD-backed virtual RuPay access for UPI users building a credit profile.
- Annual fee: ₹499 + GST
- Key difference: FD-backed virtual UPI cashback
FIRST Power
Moderate regular HPCL fuel spending with grocery, utility, FASTag and UPI use.
- Annual fee: ₹199 + GST
- Key difference: lower-fee HPCL fuel rewards
FIRST Power+
Higher regular HPCL fuel and selected everyday spending with conditional lounge access.
- Annual fee: ₹499 + GST
- Key difference: higher-tier HPCL fuel and everyday rewards
FIRST WOW!
FD-backed lifetime-free access with zero forex markup for eligible international spending.
- Annual fee: Nil
- Key difference: lifetime-free FD backing with zero forex
FIRST WOW! Black
FD-backed premium travel use with zero forex and conditional lounge access.
- Annual fee: ₹750 + GST
- Key difference: premium secured travel bundle
Quantum+
A lifetime-free FD-backed card for everyday cashback across UPI, online and in-store purchases.
- Annual fee: Nil
- Key difference: lifetime-free secured cashback
Hello Cashback
FD-backed users with meaningful eligible online spending who value statement cashback.
- Annual fee: ₹1,000 + GST
- Key difference: high-tier online cashback with an FD
How to compare the range
| Need | Start with | Main check |
|---|---|---|
| No membership fee | Classic, Millennia, Select, Wealth, WOW or Quantum+ | Other service charges and benefit conditions still apply |
| HPCL fuel | Power or Power+ | Monthly caps, eligible transactions and annual fee |
| FD-backed access | EA₹N, WOW, WOW Black, Quantum+ or Hello Cashback | FD lien, fee and exact reward objective |
| Travel | Select, Wealth, WOW or WOW Black | Forex, lounge conditions and actual trip frequency |
| EMI design | SWYP | Total conversion fee, GST and foreclosure terms |
Check the bank's available cards
The bank controls which cards appear and whether an applicant qualifies. The link below is issuer-level, not specific to any one product.
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Official sources
Educational disclaimer
This collection is for education and comparison. FinancialEssentials.in is not IDFC FIRST Bank and does not guarantee approval, benefit value or availability. Verify the official application terms before acting.