IDFC First Beginner Credit Cards in India 2026

5% earning on HPCL purchases (fuel & LPG)
■ 2.50% benefit on HPCL fuel purchases – only on purchases upto ₹5000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at HPCL pumps –
– This is valid only on fuel purchases upto ₹5000 per month, since the maximum number of special reward points is restricted to 500 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
■ Additional 1.50% benefit on HPCL fuel purchases through HP Pay App 
– You earn additional 6 Payback Points worth ₹1.50, on every ₹100 you spend at HPCL outlets through the HP Pay app
– This is valid only on fuel purchases upto ₹5,000 per month.
– 1 Payback point = ₹0.25 (25 paise), and can be redeemed on Payback India (now called Zillion).
■ 1% fuel surcharge waiver on fuel purchases at all fuel stations – on all fuel expenses upto ₹5,000 per month.
(Fuel includes petrol, diesel & LPG)

2.50% benefit on grocery purchases & utility expenses – only on spends upto ₹4000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend in these categories.
– This is valid only on total purchases of up to ₹4000 per month in these categories, since the maximum number of special reward points is restricted to 400 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.

2.50% benefit on FASTag recharges – only on recharges upto ₹2000 per month
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend on FASTag recharges.
– This is valid only on up to ₹2000 of recharges every month, since the maximum number of special reward points is restricted to 200 reward points per month.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– IDFC FIRST FASTag transactions are eligible for rewards only if done through FIRST forward and IDFC FIRST Mobile Banking app

0.33% basic benefit on all other card purchases
– You earn 1.33 points worth ₹0.33 (33 paise), on every ₹100 you spend on all other card purchases.
– 1 reward point = 0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
– Exceptions : No reward points are given on following card spends & transactions – HPCL fuel & LPG spends beyond monthly capping, non-HPCL fuel, insurance premium, EMI transactions & cash withdrawals.

Emergency complimentary roadside assistance (RSA) package worth ₹1399 – 4 times per year
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – through Global Assure
– You can avail this benefit up to 4 times a year. To know more details, please click here.

Complimentary insurance covers
– ₹25,000 insurance cover for Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2,00,000 Personal Accident Cover – in the unfortunate event of an accidental death OR permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.
– Credit shield cover of ₹50,000 – for unpaid bills on the card , in the event of accidental death of the cardholder. This protects and gives peace of mind to legal heirs / next of kin.
Above insurance covers are applicable only for an active card i.e cardholder should have done atleast 1 purchase/ATM withdrawal transaction during the last 30 days.

Benefits
– Attractive benefit rate of 5% on monthly fuel purchases
– Good benefit rate of 2.50% on grocery purchases & utility bill payments
– 1st year annual fee is fully covered by joining benefits. Low annual card spend target (of ₹50,000) to get annual fee waived off.
– The card also offers a range of additional benefits, such as complimentary road side assistance, insurance benefits, and deals on partner platforms like Zoom Car and ‘Eco Rent A Car’

Drawbacks
– The card is not attractive for individuals who incur fuel expenses much higher than ₹5000 per month
– You are restricted to HPCL pumps, to avail special fuel benefits

Guaranteed approval card against fixed deposit – no income proof required || no credit score required
– Minimum fixed deposit amount : ₹2000 for IDFC First Bank customers, ₹5000 for all others
– Minimum 100% credit limit against your fixed deposit.

Lifetime free card – zero annual fee : No annual fee is charged on your card.

0.66% benefit on all spends
– You earn 2.66 reward points worth 66 paise , on every ₹100 you spend on your card
– 1 reward point = ₹0.25 (25 paise), and can be redeemed on IDFC First’s rewards redemption platform for vouchers, products and more.
Exceptions :
– No reward points are given on on fuel purchases, EMI transactions & cash withdrawals
– 0.16% benefit on insurance spends & utility bill payments : You earn 0.66 points worth 16 paise , on every ₹100 you spend on insurance spends & utility bill payments.

Zero forex transaction fee on international card spends

Fuel surcharge waiver, upto ₹200 per month
– You get a 1% fuel surcharge waiver at all fuel stations across India
– Only on fuel transactions between ₹200 and ₹5000, and
– Only on fuel purchases upto ₹20,000 per month (since the waiver amount is capped at ₹200 per monthly card statement cycle)

Complimentary ‘Emergency Roadside Assistance (RSA)’ package worth ₹1399
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure.
– You can avail this benefit up to 4 times a year.

Complimentary insurance covers
– ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection, for online purchases on your card.
– ₹2 lakh ‘personal accident cover’, in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event caused by external, visible and violent means.

Benefits
– This card is ideal for individuals who may not have regular income AND/OR for those who do not have a good credit history – like students, first jobbers, homemakers, gig economy workers, senior citizens, travellers, and self-employed individuals. Hence it is a good starter card for beginners who are starting or rebuilding their credit journey.
– Credit card is lifetime free
– Zero forex conversion fee

Drawbacks to consider
– Low reward rate of 0.66%

Lifetime free card, with welcome offers
✓ Welcome offers :
– You get a welcome voucher worth ₹500, on spending ₹5000 or more within 90 days of card generation.
– You enjoy 5% cashback (upto ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

On monthly card spends upto ₹20000 : 1% benefit on all online spends (6X) || 0.50% benefit on all offline spends (3X)
✓ 1% benefit on online spends : You earn 4 reward points worth ₹1, on every ₹100 you spend on your card
✓ 0.50% benefit on offline spends : You earn 2 reward points worth 50 paise , on every ₹100 you spend on your card
✓ 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
Note :
– You earn no reward points on fuel, EMI transactions & cash withdrawals.
– You earn 0.16% benefit on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)
– You earn 0.50% benefit on rental spends (2 points worth 50 paise, on every ₹100 you spend)

On monthly card spends above ₹20000 and on your birthday : 1.66% benefit on all spends, online as well as offline (10X)
– You earn 6.66 reward points worth ₹1.66, on every ₹100 you spend in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.
– Note : Rental & property management related spends, insurance spends, and utility bill payment spends are not be a part of 10X reward program and 10X threshold calculations.

0.16% benefit on insurance spends and utility bill payments (X)
– You earn 0.66 reward points worth 16 paise , on every ₹100 you spend on your card in this category
– 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Complimentary railway lounge access – 4 times per quarter

Movie ticket discount, upto ₹100 per month
– You get 25% discount (up to ₹100), on movie tickets on Paytm Mobile App.
– This is valid once per month.

Fuel surcharge waiver, upto ₹200 per month
– You get a 1% fuel surcharge waiver, at all fuel stations across India
– Only on fuel transactions between ₹200 & ₹5000, and
– Only on fuel purchases upto ₹20,000 per month (since the waiver amount is capped at ₹200 per monthly card statement cycle).

Complimentary insurance covers
– ₹25,000 insurance cover for lost card liability, counterfeit/skimming/phishing and online fraud protection – for transactions on your IDFC FIRST Bank Credit Card.
– ₹2 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.

Emergency complimentary roadside assistance (RSA) package worth ₹1399
– You get 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
– You can avail this benefit up to 4 times a year

Benefits
– The card is a good choice for those who value the simplicity of a lifetime free card
– The card offers a range of benefits like complimentary railway lounge access (4 times per quarter), movie benefits, roadside assistance, complimentary insurance covers.

Drawbacks to consider
– You can get better reward rates on card spends on some of the other cards in the marketplace.