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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Zero Forex Markup Current Account
Maximise your savings and boost profitability with our Zero Forex Markup current accounts
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Quantum+ Credit Card
Assured Cashback Lifetime Free -
Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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Hello Cashback
Cashback UPI-ready Assured
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Gaj: Credit Card
Invite Only Zero Forex ₹12,500
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Diamond Reserve
Zero Forex Travel ₹3,000
Enjoy Zero Forex on all IDFC FIRST Bank Credit Cards
Save more on all international spends
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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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FIRST Corporate
Lifetime free Travel
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FIRST Purchase
Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards Zero Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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Hello Cashback
Cashback UPI-ready Assured
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Gaj: Credit Card
Invite Only Zero Forex ₹12,500
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Diamond Reserve
Zero Forex Travel ₹3,000
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Quantum+ Credit Card
Assured Cashback Lifetime Free
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FIRST Digital
Virtual UPI ₹199
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Hello Cashback
Cashback UPI-ready FD-Backed
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FIRST EARN
Virtual FD-Backed 1% Cashback
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FIRST Power & Power+
Rewards UPI ₹199
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FIRST WOW! Black
FD-Backed Virtual Travel
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IndiGo IDFC FIRST Dual Card
Travel Lifestyle ₹4,999
- Affordability & Cashback Credit Cards
- Fuel & Insurance Credit Cards
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Commercial Cards
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Business Max Credit Card
UPI-ready Lifetime Free Low APR
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Business Multiplier Credit Card
Zero Forex Metal Card 10X Rewards
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FIRST Corporate
Lifetime free Travel
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FIRST Purchase
Lifetime free Working capital needs Rewards
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FIRST Business
UPI Rewards Zero Forex
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Micro Enterprise Credit card
UPI-ready Udyam registered MSMEs
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Tools & Calculators
Unlock features, exclusively available
only on the IDFC FIRST Bank app
Apply for Zero Forex Markup Credit Cards
All IDFC First Bank Credit Cards now come with 0% forex markup fees
What is zero forex markup?
Forex markup is the fee some credit cards charge when you pay in a foreign currency. This fee costs up to 3.5% of the transaction value. With all IDFC FIRST Bank credit cards you get zero forex markup, which means you will not be charged this additional fee. This benefit applies to all your transactions made in foreign currencies including shopping, dining, travelling or even making payments on websites in a foreign currency.
To maximize the zero forex benefits when travelling abroad, always choose to pay in the local currency rather than Indian Rupees, as paying in INR may attract additional charges.
Read more
Explore our range of Zero Forex Credit Cards
In the spotlight
Our popular credit cards designed for your lifestyle.
FIRST Millennia
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Earn up to 10X Reward Points
FIRST Classic
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Earn up to 10X Reward Points
FIRST Select
- Welcome Benefits up ₹1,500
- Buy 1, Get 1 movie ticket, twice a month
- 1 complimentary domestic airport lounge access every quarter
FIRST Wealth
- Earn up to 10X Reward Points on travel, dining, international spends
- 1 complimentary domestic & international airport lounge access every quarter
- Buy 1, Get 1 movie ticket, twice a month
Quantum+ Credit Card
- Up to 2% Cashback on everyday spends
- UPI-Ready: Earn 1% Cashback on UPI spends via IDFC FIRST Bank Mobile app
- Assured, FD-backed credit card, with starting FD of ₹5,000
FIRST Power
- Up to 5% savings on your fuel expenses
- Welcome benefits worth ₹2250
- 2X Rewards on UPI and other retail transactions
FIRST Power+
- Welcome benefits up to ₹2,500
- Up to 6.5% savings on fuel spends
- 1 Domestic airport lounge access per quarter
FIRST WOW!
- Up to 4X Reward Points on spends
- 100% ATM cash withdrawal limit
- Assured Access to Credit, backed by FD
FIRST WOW! Black
- Welcome benefits worth ₹5k+ on joining fee payment
- Up to 16.7% Bonus reward points with high redemption value of up to ₹0.50
- Complimentary FIRST Digital RuPay Credit Card
Ashva
- Up to 40X Reward Points
- Airport lounge access: 4 domestic & 2 international per quarter
- Buy-1-Get-1 movie ticket offer, up to ₹500
Mayura
- Up to 40X Reward Points
- Airport lounge access: 4 domestic & 4 international per quarter
- Buy-1-Get-1 movie ticket offer, up to ₹500
FIRST EA₹N
- Up to 1% cashback on UPI spends
- 25% off on movie tickets
- Up to ₹250 cashback on 1st transaction
Hello Cashback
- Up to 5% cashback worth ₹18,000 annually
- UPI-ready credit card
- Double up the benefits by Earning interest on FD and Cashback on card
IndiGo IDFC Dual Cards
- Welcome benefits of up to 8,000 IndiGo BluChips
- Up to 22 IndiGo BluChips on eligible spends
- Power of Mastercard and RuPay network in one card
FIRST SWYP
- Joining benefits worth ₹4,000
- Instant discounts on Zomato, Nykaa, Goibibo and more
- Year-round lifestyle benefits worth₹60,000+ annually
Gaj:
- An invite-only metal card
- Airport lounge access: 4 domestic & 4 international per quarter
- Up to 33.33% value Back as reward points
Diamond Reserve
- Earn up 27%, never expiring reward points*
- Complimentary airport lounge access
- Buy-1-Get-1 movie ticket offer of up to ₹250
LIC Classic & Select
- Joining Benefits worth ₹3,000+
- Up to 10X rewards on LIC Insurance Premium payments
- Up to 2 complimentary Airport Lounge access per quarter
Business Max
- Assured, FD-backed credit card
- Up to 6 Reward points on business spends
- Low interest rate of 12% p.a.
FIRST Business
- Easy cash management for business payments
- 2 Complimentary airport lounge access/quarter
- Up to 3X reward points on UPI spends
Business Multiplier
- Premium metal, FD-backed business credit card
- Up to 10 Reward points on business spends
- 12% Annual Interest Rate
FIRST Private
- Elevate your elite status with exclusive invite-only metal credit card
- Unlimited Global Airport lounge access
- 40% Value Back on Travel Bookings with Reward Points
Micro Enterprise Credit Card
- For Udyam registered micro enterprises
- Up to 3X reward points on business spends
- Zero Forex Mark-up
Explore our range of credit cards
Best For:
Premium travel rewards and lounge access
Min Income:
As per bank eligibility criteria
Key Benefits:
- Zero Forex Markup
- Up to 40X Reward Points on card spends and travel bookings done via IDFC FIRST Bank Mobile app
- 4 domestic airport lounge access (including 1 guest) and 2 international airport lounge access per quarter
- 2 complimentary golf round/lesson every quarter
- Buy-One-Get-One movie ticket offer of up to ₹400, twice a calendar month
- Higher rewards value of up to ₹0.50
Best For:
Frequent travellers seeking premium travel privileges
Min Income:
As per bank eligibility criteria
Key Benefits:
- Zero Forex Markup
- Up to 40X Reward Points on card spends and travel bookings done via IDFC FIRST Bank Mobile app
- 4 domestic airport lounge access (including 1 guest) and 4 international airport lounge access per quarter
- 2 complimentary golf round/lesson every quarter
- Buy-One-Get-One movie ticket offer of up to ₹500, twice a calendar month
- Higher rewards value of up to ₹0.40
Best For:
Building credit at zero fees, with an FD-backed card
Min Income:
No income requirement; FD of ₹20,000
Key Benefits:
- ₹0 joining & annual fee with assured access
- Zero forex markup on all international spends
- Earn up to 4X reward points on domestic and international spends
- 100% Cash interest free cash withdrawal (up to 45 days)
- Premium Visa Infinite travel privileges
Best For:
Travel rewards and premium benefits without fees
Min Income:
₹36 lakh or more
Key Benefits:
- Lifetime free credit card, ₹0 Joining & annual fee
- Zero forex markup on all international spends
- 10X Reward Points on Dining, Travel, International purchases and birthday spends
- 3X Reward points on everyday spends
- Welcome benefits worth up to ₹1,500 (including gift voucher of ₹500)
- 1 Complimentary domestic & international airport lounge every quarter* & free trip cancellation cover
- Buy 1 Get 1 on movie ticket up to ₹250
- Up to 20% bonus Reward Points on travel bookings via IDFC FIRST Bank mobile app
IndiGo IDFC FIRST Credit Card
For earning airline rewards on travel
IndiGo IDFC FIRST helps travellers earn BluChips on flights and everyday spends while accessing travel-focused benefits. Know More
Best For:
Frequent IndiGo travellers and flyers
Min Income:
As per bank eligibility criteria
Key Benefits:
- Zero Forex Markup
- Welcome benefits up to 8K IndiGo BluChips
- Milestone Benefit up to 25K IndiGo BluChips & get up to 9 free flights every year
- Earn Up to 22 IndiGo BluChips on every spend on flight bookings via IndiGo app/website & other eligible spends
- Ease of UPI through RuPay and Global Acceptance through MasterCard
- Trip Cancellation Cover up to Rs. 25k twice a year for hotels and flights cancellation
Best For:
FD-backed credit card, with premium travel & lifestyle benefits
Min Income:
No income requirement; FD of ₹20,000
Key Benefits:
- Zero Forex Markup
- Up to 4X never-expiring Reward points on domestic & international spends
- Up to 16.7% bonus reward points with higher value of up to ₹0.50
- Complimentary FIRST Digital Credit card
- Domestic Lounge access per quarter
- 25% off up to Rs 100 on movie tickets
- Welcome Benefits worth 5000+
Why use an IDFC FIRST Bank credit card internationally?
Zero Forex, Every card
Enjoy zero forex markup on every IDFC FIRST Bank credit card
Rewards on International Spends
Earn rewards or cashback on eligible international spends, as applicable to your card
Global Payments, Made Easy
Pay for international subscriptions, shopping, education and other online purchases with your card.
Enjoy Travel Perks
Get lounge access, travel rewards and premium privileges, depending on the card you choose
When is a zero forex card useful?
Pay for hotels, dining, shopping, transport and other expenses abroad without forex markup, whether you’re travelling to Dubai, Singapore, Thailand, Europe, Japan or elsewhere.
Students can use a zero forex card for everyday expenses overseas, from groceries and transport to books and other foreign currency purchases.
A zero forex card can help you save when paying in foreign currencies for global websites, streaming services, software, apps and subscriptions.
Pay for eligible international software, productivity tools and other business expenses billed in foreign currencies without forex markup.
Who can apply for zero forex credit cards?
Residents of India
Valid Aadhar and PAN for VKYC
Eligibility Criteria by Card Type
Apply for a credit card online
Step 1
Click on ‘Apply Now’ and enter your details
Step 2
Choose your card & create FD online (only for FD Cards)
Step 3
Complete VKYC & submit application
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Frequently Asked Questions
Do all IDFC FIRST Bank credit cards have zero forex markup?
Yes. The benefit applies to existing and new IDFC FIRST Bank credit cards automatically. You don’t need to change your card or meet a spending threshold.
Does zero forex markup mean there is no currency conversion?
No. A foreign-currency transaction is still converted into rupees at the applicable exchange rate. Zero forex markup means the bank does not add a forex markup charge to that transaction.
Will I earn rewards on international purchases?
You’ll continue to earn Reward Points or cashback on eligible transactions, as applicable to your card. The earning rate and exclusions depend on the variant.
Do I need a separate forex card?
Not to get zero forex markup. Your IDFC FIRST Bank credit card already offers it on international transactions.
Is zero forex markup available for online international payments?
Yes. It is relevant to foreign-currency purchases online as well as spending while travelling abroad.
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