IDFC First OneCard Credit Card: Fees, Rewards & Benefits
Rewards card
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The IDFC First OneCard is a free, app-first metal card with a low 1% forex markup, instant non-expiring rewards and family limit sharing. The Rs 0.1 point value and absence of lounge access cap its rewards appeal, so it suits those who value the digital experience and low forex over raw earning.
Rewards card
The Bottom Line
The IDFC First OneCard is built for no-fee international user and family limit sharer. With no annual fee, it offers 1% rewards on other and low forex markup. It makes the most sense if your spending matches no-fee international user and family limit sharer.
It earns a base reward rate of 0.2% and stacks best when your spending lines up with No-Fee International User, Family Limit Sharer.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealUsers wanting a free card with a low 1% forex markup and a premium metal, app-controlled experience
Households wanting to share the credit limit and track spends via the OneCard MyFamily feature
Probably not for
SkipTravellers needing lounge access, which the card does not offer
Those focused on point value, given the low Rs 0.1 per point worth
Is It Worth It For You?
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Reward Rates
IDFC First OneCard offers 0.2% basic reward rate.
Quick Calculator
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹3 Lakhs
- Min Credit Score: 750
- Age 18+ (typically 21+); salaried or self-employed; ~Rs 3L p.a. income; 750+ CIBIL advised; metal lifetime-free card (IDFC FIRST variant largely discontinued, replaced by FIRST Select).
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Withdrawals
- Cash withdrawals do not earn reward points.
Transfers
- Transfers of any kind do not earn reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the IDFC First Bank website.
Apply on IDFC First Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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