IDFC FIRST Bank
IDFC FIRST Bank credit cards with welcome benefits
15 credit cards whose banks state a welcome benefit (points, vouchers, cashback or a fee reversal when you join), each with its conditions in the bank's own words.
Updated 16 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.
Ashva Credit Card
On payment of joining fee, you can earn up to 7,500 reward points as a joining benefit.
Annual fee The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST.
Diamond Reserve
On payment of the joining fee, you will receive multiple premium brand offers worth over ₹5,000, including complimentary memberships and discounts from ET Prime, Lenskart, MakeMyTrip, Mokobara, and IDFC FIRST Bank Mobile App.
Annual fee ₹3,000 + GST
FIRST Classic
A ₹500 gift voucher from top brands upon spending ₹5,000 within 30 days of card generation; 5% cashback (up to ₹1,000) on your first EMI transaction within the same 30-day window
Annual fee ₹0
FIRST Digital RuPay Credit Card
100% cashback of ₹200, i.e. up to ₹50 each, on first 4 UPI transactions done within 15 days of card issuance
Annual fee ₹199 + GST
FIRST EA₹N Credit Card
10% cashback up to ₹250 on your first transaction, done within 15 days of card generation
Annual fee ₹499 + GST
FIRST Millennia
Joining benefits worth ₹1,500 with your FIRST Millennia Credit Card: Receive a ₹500 welcome voucher when you spend ₹5,000 or more within 30 days of card activation; Get 5% cashback, up to ₹1,000, on the first EMI transaction made within 30 days of card activation
Annual fee ₹0
FIRST Power & Power+
FIRST Power+ Credit Card: ₹500 Gift Voucher on your first HPCL fuel transaction of ₹500 or more; FIRST Power Credit Card: ₹250 gift voucher on your first HPCL transaction of ₹250 or more
Annual fee ₹499 + GST
FIRST Private
Commencement Fee Payment Benefit: 50,000 Reward Points redeemable up to ₹50,000; applicable for cards issued on or after 17th July, 2026
Annual fee ₹25,000 + GST
FIRST Select
₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation; 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card generation
Annual fee ₹0
FIRST SWYP
Gift voucher worth ₹500 on spending ₹5,000 within 30 days of joining fee payment
Annual fee ₹499 + GST
FIRST Wealth
You can enjoy joining benefits worth ₹1,500 with your FIRST Wealth Credit Card: · Receive a ₹500 welcome voucher when you spend ₹5,000 or more within 30 days of card activation. · Get 5% cashback, up to ₹1,000, on the first EMI transaction made within 30 days of card activation.
Annual fee ₹0
FIRST WOW! Black Credit Card
Premium Welcome benefits worth ₹5,000+ on joining fee payment Exclusive travel & lifestyle offers on IDFC Mall, MakeMyTrip, Eazydiner & More
Annual fee ₹750 + GST
Gaj Credit Card
Earn 12,500 reward points; spend ₹1L in 60 days from card generation and get 5-star hotel voucher for 25% off up to ₹5,000
Annual fee ₹12,500 + GST
LIC Select Credit Card
2,000 Rewards on spending first ₹10,000 within 30 days of card generation; 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
Annual fee There is absolutely no Joining/ Membership/ Annual fee applicable on LIC IDFC FIRST Bank Credit Cards. Your card is free for life.
Mayura Credit Card
On payment of joining fee, you can earn up to 12,000 reward points as a joining benefit.
Annual fee The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.
