Updated September 28, 2026 · DebitCue Editorial Team
Access Bank Cards vs IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards
Access Bank Cards
Higher score in this comparison
What sets them apart
| Compare | Access Bank CardsReviewSee alternativesSee alternatives | IDFC FIRST Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | $10 | ₹0 |
| APR | 3.5%Lower | 8.5% |
| Currency conversion fee | 5% | 0%Lower |
| Perks | Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance, Up to 50% of net monthly salary can be availed as credit limit, Verified By Visa (VbyV) additional security for online transactions, Accepted at over 2 million ATMs and 30 million merchant locations, across over 220 countries globally | Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app, No income proof or credit history required, Fixed deposit keeps earning interest while funding the card, Zero forex markup on international spends, Cash withdrawal interest free for up to 45 days at a nominal fee of INR 199 plus GST |
| Rewards type | Not confirmed | Cashback |
| Rewards rate | Not confirmed | 1% online up to INR 10,000 per statement cycle, 2% on incremental online spends above INR 10,000, 1% on UPI via the IDFC FIRST Bank app, 1% in-store, 0.5% on select categories, plus 1% bonus on hotel and flight bookings in the app; total capped at INR 500 per statement cycle |
| Credit needed | Not confirmed | Poor |
| Cashback rate | Not confirmed | 0.5% to 2% |
Same on both: Card kind (Credit).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Access Bank Cards scores higher overall: 9.1 vs 8.8.
- Founded is lower at Access Bank Cards: 1988 to 1989 vs 2018.
- Access Bank Cards is available in 15 more countries.
- APR is lower at Access Bank Cards: 3.5% vs 8.5%.
- Currency conversion fee is lower at IDFC FIRST Bank Credit Cards: 0% vs 5%.
- Perks: only Access Bank Cards offers Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance, Up to 50% of net monthly salary can be availed as credit limit.
- Perks: only IDFC FIRST Bank Credit Cards offers Personal accident cover of INR 200,000, Lost card liability cover of INR 25,000, UPI enabled RuPay credit card auto linked to the IDFC FIRST Bank app.
- Support channels: only Access Bank Cards offers Email, Chat.
- Features: only IDFC FIRST Bank Credit Cards offers Rewards.
Our verdict on each
Access Bank Cards
Access Bank Cards is a Nigerian Visa credit card for salaried borrowers who want a low rate on a revolving balance rather than a rewards card. Borrowing costs an APR of 3.5%, with an annual fee of $10, so it earns its place for anyone who clears the balance each month.
IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards suit adults with poor credit who want a cashback card they can use abroad without extra cost. The annual fee is INR 0 and the currency conversion fee is 0%, so most spending stays fee free.
Score breakdown
| Area | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 8.8Annual fee of $10 and a conversion fee of 5% pull in opposite directions on cost for this brand. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 9.4Higher | 8.9 |
| Trust | 9.3Higher | 8.1 |
How they place
| Ranking | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Credit cards | 143 of 1020 | 32 of 1020 |
| Secured credit cards | 9 of 27 | 5 of 27 |
Licences and countries
| Country | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Nigeria | Not confirmed |
Additional countries for Access Bank Cards: 16. Additional countries for IDFC FIRST Bank Credit Cards: 1.
Pick Access Bank Cards if, pick IDFC FIRST Bank Credit Cards if
Pick Access Bank Cards if offer and apr matter most.
Pick IDFC FIRST Bank Credit Cards if cost and currency conversion fee matter most.
Spending 1,000 abroad
Access Bank Cards
50
5% of 1,000
IDFC FIRST Bank Credit Cards
0
0% of 1,000
IDFC FIRST Bank Credit Cards comes out 50 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where these facts come from
Access Bank Cards
- accessbankplc.com: 10 facts, checked September 26, 2026
IDFC FIRST Bank Credit Cards
- idfcfirstbank.com: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | Not confirmed | No annual fee |
| Features | Secured | Rewards, SecuredCovers more |
| Legal entity | Access Bank Plc | IDFC FIRST Bank Ltd |
| Headquarters | Nigeria | India |
| Founded | 1988 to 1989Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Help centre |
Debit cards
| Fact | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Card type | Prepaid | Not confirmed |
| Top-up fee | Free to load by cash or electronic funds; only a one-off card issuance fee of P58.07 for the Prepaid cash card | Not confirmed |
| Currencies | 4 | Not confirmed |
Where each stands against the rest
| Fact | Access Bank Cards | IDFC FIRST Bank Credit Cards | Median |
|---|---|---|---|
| APR | 3.5%lowest quarter | 8.5%lowest quarter | 19.39% |
| Currency conversion fee | 5%highest quarter | 0%below the median | 1% |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
Median across 312 listed cards.
Pros and cons
Access Bank Cards
Pros
- APR of 3.5% compares with a credit card median of 20.85%, which keeps short term borrowing cheap
- Perks cover an interest free period, a minimum repayment set as a share of the balance, and a salary linked credit limit: Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
- Support runs on phone, email and chat: phone, email, chat and a help centre
Cons
- Currency conversion costs 5%, above the credit card median of 1.85%, so foreign purchases are the weak spot
- The annual fee of $10 applies while secured cards on the site run as low as €0
IDFC FIRST Bank Credit Cards
Pros
- Annual fee of INR 0 makes it a no annual fee card, matching no annual fee.
- Currency conversion fee of 0% means international spends carry no extra markup, ahead of the site median of 1%.
- APR of 8.5% sits well under the credit card median of 20.85%.
Cons
- Cashback is capped each statement cycle, so heavy spenders earn less than the headline rate.
- The deposit backing the card keeps earning interest, but the money stays tied up while it funds the limit.
- Support runs on phone and help centre only, so there is no chat or email route listed.
Who each suits
Access Bank Cards
Who it suits
- Salaried borrowers in Nigeria, since the credit limit is set against net monthly salary: Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
- Anyone who repays in full each month and wants a low rate on a short term balance
- Cardholders who travel often, given the ATM and merchant reach listed in Interest free period of up to 40 days, Minimum monthly repayment of 15% of outstanding balance and Up to 50% of net monthly salary can be availed as credit limit
Who should look elsewhere
- Wise, whose card annual fee is £0, fits travel spending better than borrowing
- Varo Believe Secured Credit Card, where the annual fee is $0, for anyone who wants a secured card with no fixed charge
- Chime Card (Secured Visa Credit Card), where the annual fee is $0, if you want a secured Visa without a fixed charge
IDFC FIRST Bank Credit Cards
Who it suits
- Adults in India with poor credit who need a card without income proof or a credit history.
- Anyone who spends online, on UPI through the app and abroad and wants cashback on it.
- People with a RuPay credit card they want auto linked to the bank app.
Who should look elsewhere
- Frequent cash withdrawers, because cash advances come with a fee and a short interest free window.
- Chasers of points or miles, since the rewards are plain cashback.
- Shoppers who want lounge access or travel insurance benefits in a single fee free card.
Current offers
IDFC FIRST Bank Credit Cards
Current offer
Bonus
Cashback on 1st transaction with the Hello Cashback Credit Card: INR 250
Applies to the first transaction on the Hello Cashback Credit Card; up to 1% cashback on UPI spends
Source, checked September 26, 2026
Country by country
| Country | Access Bank Cards | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Angola | Yes | No |
| Botswana | Yes | No |
| Cameroon | Yes | No |
| Democratic Republic of the Congo | Yes | No |
| Gambia | Yes | No |
| Ghana | Yes | No |
| Guinea | Yes | No |
| India | No | Yes |
8 of 17 countries where either is available.
Questions about each
Access Bank Cards
What does the Access Bank credit card cost?+
The Visa credit card charges an annual fee of $10 and an APR of 3.5%. That rate is the main reason to hold this card rather than a rewards card, and the annual fee is the only fixed cost listed for the credit line.
Who regulates Access Bank Cards?+
The card is issued by Access Bank Plc, which is headquartered in Nigeria. The regulator listed for the brand is the Central Bank of Nigeria, so the lending and the deposits sit with a supervised bank rather than an intermediary.
IDFC FIRST Bank Credit Cards
Does this credit card charge an annual fee?+
No. The annual fee is INR 0 and the card is listed as a no annual fee model, so holding it costs nothing across a year. Many cards in the lists are not so lucky, with an annual fee median of €0 and a top quartile of €4.89. A small cashback rate of 0.5% to 2% is the main reward on offer.
What interest rate will I pay if I carry a balance?+
The APR is 8.5%, which is below the credit card median of 20.85% and the site median of 20.97%. It is a low rate for a card aimed at people with poor credit, but it is not a balance free card, so carrying money month to month still costs you. Paying in full avoids the interest entirely.
Other options to compare
Other matchups
- IDFC FIRST Bank Credit Cards vs Nexo
- Access Bank Cards vs Cashably
- Access Bank Cards vs Varo Believe Secured Credit Card
- IDFC FIRST Bank Credit Cards vs Petal
- IDFC FIRST Bank Credit Cards vs Petal
- IDFC FIRST Bank Credit Cards vs Ocean Finance Card
- IDFC FIRST Bank Credit Cards vs Varo Visa® Debit Card
- IDFC FIRST Bank Credit Cards vs Capital One UK
- IDFC FIRST Bank Credit Cards vs Capitec Bank
- IDFC FIRST Bank Credit Cards vs U.S. Bank
- IDFC FIRST Bank Credit Cards vs Mission Lane
- IDFC FIRST Bank Credit Cards vs Bitpanda
- IDFC FIRST Bank Credit Cards vs Bitpanda Card
- Access Bank Cards vs Current Build Card
- IDFC FIRST Bank Credit Cards vs Compass
- IDFC FIRST Bank Credit Cards vs Current
- IDFC FIRST Bank Credit Cards vs Coinbase
- IDFC FIRST Bank Credit Cards vs Rahalaitos luottokorttikampanja
- IDFC FIRST Bank Credit Cards vs N26 Go
IDFC FIRST Bank Credit Cards
Access Bank Cards