IDFC FIRST Bank Credit Cards

IDFC FIRST Bank was formed by the 2018 merger of IDFC Bank and Capital First, and entered the credit card market in 2021.

It built its card business on a short list of promises that are unusual in the Indian market: no joining or annual fee on most cards, reward points that never expire, and interest rates that start lower than the industry norm. Rewards accelerate on higher monthly spends rather than on narrow categories, which suits a single primary card used for everything, and lounge access and fuel surcharge waivers extend further down the range than at most issuers.