Updated September 28, 2026 · DebitCue Editorial Team
Bitpanda Card vs IDFC FIRST Bank Credit Cards
Bitpanda Card
Higher score in this comparison
IDFC FIRST Bank Credit Cards
Bitpanda Card vs IDFC FIRST Bank Credit Cards: the differences
| Compare | Bitpanda CardReviewVisitVisit | IDFC FIRST Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | €0 | ₹0 |
| Rewards rate | 1% cashback on crypto asset spending | 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 |
| Perks | 1% cashback on crypto asset spending | 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 |
| Cashback rate | 1% | 0.5% to 2%Higher |
| APR | Not confirmed | 8.5% |
| Credit needed | Not confirmed | Poor |
Same on both: Currency conversion fee (0%), Rewards type (Cashback), Card kind (Credit).
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Key differences
- Bitpanda Card scores higher overall: 9.0 vs 8.8.
- Bitpanda Card is available in 18 more countries.
- Perks: only Bitpanda Card offers 1% cashback on crypto asset spending.
- 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.
- Cashback rate is higher at IDFC FIRST Bank Credit Cards: 0.5% to 2% vs 1%.
- Features: only IDFC FIRST Bank Credit Cards offers Secured.
Our verdict on each
Bitpanda Card
Bitpanda Card suits crypto holders who pay in euros or abroad, with an annual fee of €0 and a currency conversion fee of 0%. The account runs on assets the platform holds for you, and the only reward listed is cashback on crypto asset spending.
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 | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 9.4Annual fee €0, monthly fee €0 and currency conversion fee 0% leave nothing to pay, ahead of the site median on fees. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 8.4 | 8.9Higher |
| Trust | Not confirmed | 8.1 |
Licences and countries
| Country | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
Additional countries for Bitpanda Card: 19. Additional countries for IDFC FIRST Bank Credit Cards: 1.
Rewards on 1,000 a month
Bitpanda Card
120
1% of 12,000
IDFC FIRST Bank Credit Cards
60 to 240
0.5% to 2% of 12,000
IDFC FIRST Bank Credit Cards comes out 120 higher 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.
Spending 1,000 abroad
Bitpanda Card
0
0% of 1,000
IDFC FIRST Bank Credit Cards
0
0% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
If neither fits
Coinbase has cashback rate at 2% to 4%, against 1% for Bitpanda Card and 0.5% to 2% for IDFC FIRST Bank Credit Cards.
Coinbase reviewHow they place
| Ranking | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cashback cards | 4 of 203 | 11 of 203 |
Every fact side by side
| Fact | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Rewards, SecuredCovers more |
| Legal entity | Bitpanda GmbH | IDFC FIRST Bank Ltd |
| Headquarters | Austria | India |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Phone, Help centre |
Debit cards
| Fact | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Monthly fee | €0 | Not confirmed |
| Card type | Debit | Not confirmed |
| Cashback rate | 1% | Not confirmed |
| Card network | Visa | Not confirmed |
| Custody | Custodial | Not confirmed |
Where each stands against the rest
| Fact | Bitpanda Card | IDFC FIRST Bank Credit Cards | Median |
|---|---|---|---|
| APR | Not confirmed | 8.5%lowest quarter | 19.39% |
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 1%below the median | 0.5% to 2%above the median | 1.5% |
Median across 312 listed cards.
Pros and cons
Bitpanda Card
Pros
- Costs sit at the free end: annual fee €0, monthly fee €0 and currency conversion fee 0%, so a reader pays nothing to hold the card or spend abroad.
- It ranks 1 of the 301 brands compared on annual fee, and 1 of the 181 on the currency conversion fee, which is rare in this group.
- Spending crypto earns cashback of 1% on crypto asset spending, which the listed alternatives do not match; they compete on annual fees of $0 and $0.
Cons
- The card is custodial (custodial), so the crypto the account is built on is held by the platform rather than in a wallet you control.
- Cashback of 1% is tied to crypto asset spending, so ordinary purchases on the card add nothing on top of it.
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
Bitpanda Card
Who it suits
- Crypto holders on the Bitpanda platform who want to spend from the balance they already keep.
- Anyone paying in several currencies who wants a currency conversion fee of 0%.
- Readers who put cost first: annual fee €0 and monthly fee €0 sit at the free end of this market.
Who should look elsewhere
- Anyone after a card for building credit with a repayment line: Varo Believe Secured Credit Card, annual fee $0, serves that purpose.
- Readers who want a secured Visa credit product rather than a balance-linked card: Chime Card (Secured Visa Credit Card), annual fee $0.
- People who spend on everyday purchases and never touch crypto, since the cashback of 1% is tied to crypto asset spending: Upgrade OneCard™ at $0 is the plain fee comparison.
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 | Bitpanda Card | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Croatia | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Greece | Yes | No |
8 of 20 countries where either is available.
Questions about each
Bitpanda Card
What does the Bitpanda Card cost to hold?+
There is an annual fee of €0 and a monthly fee of €0, so holding the card costs nothing. The site's median monthly fee is €0 and the median annual fee is €0, which puts it at the free end of the market rather than above it.
What does it cost to spend in another currency?+
The currency conversion fee is 0%. The median across the cards compared here is 1%, with an upper quartile of 2.5% and a high of 10.5%, so a foreign purchase here costs the same as a local one.
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.
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