PRIVATE BANK · 100% NON-COMMERCIAL

IDFC FIRST Bank

Customer-centric private bank recognized for lifetime-free (LTF) credit cards, dynamic low APRs (9%–42%), and interest-free cash withdrawals.

🏛️ RBI Regulated Institution📜 Verified Charters & KFS🚫 Zero Affiliate Tracking

6Credit Cards

1Home Loans

1Business Loans

0Other Retail Loans

Jump to section:Home Loans (1)Business Loans (1)Credit Cards (6)Customer Helpline & Grievance

Housing Finance

IDFC FIRST Bank Home Loans (1 Products)

Verified housing credit products including regular purchase, construction, overdraft (Maxgain), and PMAY CLSS interest subsidies.

View All Home Loans →

🏛️PSU BankHousing Loan

IDFC FIRST Bank Home Loan

Lender:IDFC FIRST Bank

Up to ₹10 Crore home loan at 8.55% – 9.50% with Up to 30 years tenure.

Interest Rate8.55% – 9.50%

Max Loan AmountUp to ₹10 Crore

TenureUp to 30 years

Processing FeeView terms

Verified: 2026-09-28

View Terms→

Enterprise Credit

IDFC FIRST Bank Business & MSME Loans (1 Products)

Verified working capital, term loans, and collateral-free CGTMSE facilities for micro, small, and medium businesses.

View All Business Loans →

🏛️PSU BankSmall EnterpriseTerm Loan

IDFC FIRST Bank FIRST Business Loan

Lender:IDFC FIRST Bank

₹5 Lakh to ₹1 Crore MSME credit at 10.50% – 14.00% with Up to 5 years tenure.

Interest Rate10.50% – 14.00%

Loan Quantum₹5 Lakh to ₹1 Crore

TenureUp to 5 years

Processing FeeView terms

Verified: 2026-09-28

View Terms→

Official Card Catalog

IDFC FIRST Bank Credit Cards (6 Cards)

Verified cards documented from official issuer MITC literature, disclosing actual fees, late penalties, and reward caps.

View All Bank Cards →

✈️Travel & AviationPremium

Verified MITC

Club Vistara IDFC FIRST Credit Card

SBI Card•Visa / RuPay

Aviation card offering 1 complimentary Premium Economy ticket welcome, Silver tier membership, up to 5 milestone flight tickets, and 1.99% forex markup.

Joining / Annual Fee₹4,999 + GST (Renewal: ₹4,999 + GST)

Lounge Access8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter) at participating domestic lounges. 4 complimentary domestic railway lounge visits per quarter.

Reward: 6 CV Points per ₹200 spent on regular retail spends up to ₹1 Lakh per month. 4 CV Points per ₹200 on spends above ₹1 Lakh. 1 CV Point per ₹200 on utility, insurance, and fuel spends.

Welcome: 1 complimentary Premium Economy domestic flight ticket voucher on Air India/Vistara, plus complimentary Club Vistara Silver Tier membership and 1 Class Upgrade voucher.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Classic Credit Card

SBI Card•Visa / RuPay

Lifetime Free card with dynamic low APR from 9%, interest-free ATM cash withdrawal up to 48 days, and 10X rewards on spends over ₹20,000.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental retail spends crossing ₹20,000 in a monthly billing cycle and on cardholder's birthday. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.

Welcome: Gift voucher worth ₹500 from top retail brands on spending ₹15,000 or more within 90 days of card generation, plus 5% cashback (up to ₹1,000) on first EMI transaction value.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

🎁Shopping & RewardsEntry-Level

Verified MITC

IDFC FIRST Millennia Credit Card

SBI Card•Visa / RuPay

Youth-focused Lifetime Free card with 6X rewards on online shopping, 25% off on movie tickets, and dynamic low APRs from 9%.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic railway lounge visits per calendar quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹20,000 and on birthdays. 6X Reward Points (1.50% return) on online retail spends up to ₹20,000. 3X Reward Points (0.75% return) on offline retail spends up to ₹20,000. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationEveryday / Salaried

Verified MITC

IDFC FIRST Select Credit Card

SBI Card•Visa / RuPay

Lifetime Free card with 4 domestic airport lounge visits per quarter, low 1.99% forex markup, and B1G1 movie tickets up to ₹125.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic airport lounge visits per calendar quarter (1 visit per month) upon spending ₹20,000 or more in the preceding calendar month. 4 complimentary domestic railway lounge visits per quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹25,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹25,000. 3X Reward Points (0.75% return) on offline spends. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

IDFC FIRST WOW Credit Card

SBI Card•Visa / RuPay

FD-backed secured card with ZERO forex markup (0%), zero income proof, 100% credit limit against FD, and lifetime-free ownership.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this secured starter card.

Reward: 4X Reward Points on all retail transactions (effective 1.00% return). 1X Reward Point per ₹150 on utility and insurance spends. Reward points never expire.

Welcome: Zero joining fee, zero forex markup, and instant credit line activation linked to IDFC Fixed Deposit with zero income verification.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

✈️Travel & AviationSuper-Premium

Verified MITC

IDFC FIRST Wealth Credit Card

SBI Card•Visa / RuPay

Super-premium Lifetime Free card with 4 international & domestic lounge + spa visits per quarter, ultra-low 1.5% forex markup, and golf privileges.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge Access4 complimentary domestic airport lounge visits + 4 international airport lounge visits + 4 spa visits per calendar quarter via DreamFolks dragonpass upon spending ₹20,000 in preceding calendar month. 4 railway lounge visits per quarter.

Reward: 10X Reward Points (effective 2.50% return) on incremental monthly spends crossing ₹30,000 and on birthdays. 6X Reward Points (1.50% return) on online spends up to ₹30,000. 3X Reward Points (0.75% return) on offline retail. Reward points never expire.

Welcome: Gift voucher worth ₹500 on spending ₹15,000 within 90 days, plus 5% cashback on first EMI transaction value.

Fee Waiver: View MITC for fee waiver terms

Verified 2026-09-28Full MITC & Terms

Official Customer Support & Grievance Redressal

Under RBI's Integrated Ombudsman Scheme, if your grievance is not resolved within 30 days by IDFC FIRST Bank, you have the legal right to escalate directly to the RBI Ombudsman without charge.

Toll-Free Helpline1800-10-88824x7 Customer Service

Grievance Escalationbanker@idfcfirstbank.comLevel 2 Internal Redressal

RBI Ombudsmancms.rbi.org.inCentralized Portal (Zero Fee)