IDFC First Bank Credit Cards, Loans & Savings Accounts 2026
This page brings together every IDFC First Bank product we track — 1 credit cards, 2 loans, 1 savings accounts. Use it to see how IDFC First Bank's interest rates, fees and eligibility stack up before you visit the bank's official website.
IDFC First Bank Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| IDFC First WOW | Lifetime Free | All-Round Rewards | 4.5 |
IDFC First Bank Personal loans
IDFC First Bank Personal Loan
- Interest Rate
- 10.49% - 21.00%
- Loan Amount
- ₹1,00,000 - ₹50,00,000
- Tenure
- 12 - 60 months
- Processing Fee
- Up to 2.00%
IDFC First leads the market with zero foreclosure charges from day one — a significant advantage if you plan to prepay your loan. The step-up EMI option lets you start with lower payments that increase over time, useful for those expecting salary growth. The wide rate range means your CIBIL score matters a lot here.
IDFC First Bank Car loans
IDFC First Bank Car Loan
- Interest Rate
- 8.75% - 12.00%
- Loan Amount
- Up to 100% On-road
- Tenure
- 12 - 84 months
- Processing Fee
- ₹2,500 to ₹5,000
IDFC First offers 100% on-road financing for select models with zero foreclosure charges from day one. The fully digital application process and doorstep document pickup make it completely hassle-free. Competitive rates starting at 8.75% position it well against the larger established banks.
IDFC First Bank Savings accounts
IDFC First Bank — Savings Account
- Interest Rate
- 4.00% - 7.00%
- Min Balance
- ₹10,000 / ₹25,000
- Best For
- Highest Monthly Interest
IDFC First Bank: frequently asked questions
Which is the best IDFC First Bank credit card?
Among the 1 IDFC First Bank cards we review, the IDFC First WOW has our highest rating (4.5/5) and is best for all-round rewards. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does IDFC First Bank offer a lifetime free credit card?
Yes. IDFC First WOW has no joining or annual fee.
What is the IDFC First Bank personal loan interest rate?
IDFC First Bank personal loans are offered at 10.49% - 21.00% per annum for amounts of ₹1,00,000 - ₹50,00,000 and tenures of 12 - 60 months. The processing fee is Up to 2.00%. Your exact rate depends on your credit score, income and employer.
What is the IDFC First Bank car loan interest rate?
IDFC First Bank car loans are available at 8.75% - 12.00% per annum, funding up to 100% on-road price for 12 - 84 months.
What is the IDFC First Bank savings account interest rate?
The IDFC First Bank Savings Account account pays 4.00% - 7.00% interest, with a minimum balance requirement of ₹10,000 / ₹25,000.