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IDFC FIRST credit cards now offer 0% forex markup

IDFC FIRST credit cards offer 0% forex markup on international spends for existing and new cardholders. On ₹1,00,000 of foreign-currency purchases, you save about ₹4,130 versus a typical 3.5% forex card: ₹3,500 markup + ₹630 GST (18% on the markup). FIRST Wealth, FIRST Select and FIRST WOW! all have ₹0 joining fee and ₹0 annual fee (lifetime free). As checked on 19 September 2026, eligible international spends earn approximately 1.25% reward value on FIRST Wealth and FIRST Select, and 0.5% on FIRST WOW!, at ₹0.25 per Reward Point before redemption fees; exclusions and bank terms apply. Always pay in the local currency abroad: choosing INR can trigger Dynamic Currency Conversion (DCC) charges.