Best IDFC FIRST Bank credit card for rent payment
IDFC FIRST Bank cards ranked by what they actually return on rent payment — after monthly caps, excluded categories and surcharges, not by the advertised rate. CardMasters is independent of IDFC FIRST Bank.
Short answer
Across 10 IDFC FIRST Bank credit cards, 8 return anything at all on rent payment; 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 2026-08-25.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. 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 WOW! Credit Card (FD-secured) | ₹50 | ₹600 | ₹0 |
| 3 | IDFC FIRST Bank Quantum+ Credit Card (FD-secured) | ₹50 | ₹600 | ₹0 |
| 4 | IDFC FIRST Bank FIRST Ashva Metal Credit Card | ₹50 | ₹600 | ₹2,999 + GST |
| 5 | IDFC FIRST Bank FIRST Mayura Metal Credit Card | ₹50 | ₹600 | ₹5,999 + GST |
| 6 | IDFC FIRST Bank FIRST Classic Credit Card | ₹38 | ₹450 | ₹0 |
| 7 | IDFC FIRST Bank FIRST Millennia Credit Card | ₹38 | ₹450 | ₹0 |
| 8 | IDFC FIRST Bank FIRST Wealth | ₹38 | ₹450 | ₹0 |
Compare this against every issuer on the same category: best cards for rent payment across all banks →
Frequently asked questions
Which IDFC FIRST Bank credit card is best for rent payment?
IDFC FIRST Bank Gaj (Metal) returns the most in the CardMasters model — about ₹83 a month on ₹10,000 of rent payment, ahead of IDFC FIRST Bank FIRST WOW! Credit Card (FD-secured) and IDFC FIRST Bank Quantum+ Credit Card (FD-secured). 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 rent payment?
No. Only 8 of 10 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.