Best IDFC FIRST Bank credit card for grocery spending
IDFC FIRST Bank cards ranked by what they actually return on grocery spending — after monthly caps, excluded categories and surcharges, not by the advertised rate. CardMasters is independent of IDFC FIRST Bank.
Short answer
Across 4 IDFC FIRST Bank credit cards, 3 return anything at all on grocery spending; the rest cap it, exclude it or levy a surcharge. On ₹10,000 a month of that spend, IDFC FIRST Bank Gaj (Metal) leads at about ₹83 a month (₹1,000 a year) against an annual fee of ₹12,500. Figures apply each card's own published caps, exclusions and surcharges rather than its headline rate, from issuer terms recorded on 2026-08-04.
Source: CardMasters issuer-evidence catalogue, release 2026-08-04. Confirm final terms with the issuer.
| # | Card | Per month | Per year | Annual fee |
|---|---|---|---|---|
| 1 | IDFC FIRST Bank Gaj (Metal) | ₹83 | ₹1,000 | ₹12,500 |
| 2 | IDFC FIRST Bank FIRST Select | ₹38 | ₹450 | ₹0 |
| 3 | IDFC FIRST Bank FIRST Wealth | ₹38 | ₹450 | ₹0 |
Compare this against every issuer on the same category: best cards for grocery spending across all banks →
Frequently asked questions
Which IDFC FIRST Bank credit card is best for grocery spending?
IDFC FIRST Bank Gaj (Metal) returns the most in the CardMasters model — about ₹83 a month on ₹10,000 of grocery spending, ahead of IDFC FIRST Bank FIRST Select and IDFC FIRST Bank FIRST Wealth. The order changes with your spend level because each card's monthly cap binds at a different point, and the annual fee still has to be subtracted.
Do all IDFC FIRST Bank cards earn on grocery spending?
No. Only 3 of 4 IDFC FIRST Bank cards tracked here return anything on this category. The others either exclude it from rewards, cap it at zero, or apply a surcharge that cancels the earn — which is why they are left out of the table rather than shown with a headline rate they do not pay here.
Should I pick a IDFC FIRST Bank card just because I bank with IDFC FIRST Bank?
Only if it wins on your actual spending. An existing relationship can help with approval and sometimes with pre-approved offers, but it does not make the card the best value. Compare this ranking against the same category across all issuers before deciding.