Updated September 28, 2026 · DebitCue Editorial Team
Bitpanda vs IDFC FIRST Bank Credit Cards
Bitpanda
Higher score in this comparison
IDFC FIRST Bank Credit Cards
What sets them apart
| Compare | BitpandaReviewVisitVisit | 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 scores higher overall: 9.2 vs 8.8.
- Bitpanda is available in 19 more countries.
- Perks: only Bitpanda 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 Bitpanda offers Crypto, Custodial, Multi currency.
- Features: only IDFC FIRST Bank Credit Cards offers Rewards, Secured.
Our verdict on each
Bitpanda
Bitpanda suits readers who hold crypto on the platform and want to spend it from a card balance, with cashback of 1% on crypto spending. The trade-off is custody: the provider holds the assets, so this is a crypto account with a card attached rather than a bank account with a card.
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 | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 9.4A €0 monthly fee, €0 annual fee and 0% currency conversion fee, ranked 1 on monthly cost. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 8.8 | 8.9Higher |
| Trust | Not confirmed | 8.1 |
Spending 1,000 abroad
Bitpanda
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.
Rewards on 1,000 a month
Bitpanda
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.
How they place
| Ranking | Bitpanda | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cashback cards | 3 of 203 | 11 of 203 |
Every fact side by side
| Fact | Bitpanda | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Crypto, Custodial, Multi currency, Travel, Virtual card | Rewards, Secured |
| Legal entity | Bitpanda GmbH | IDFC FIRST Bank Ltd |
| Headquarters | Austria | India |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Phone, Help centre |
Where each stands against the rest
| Fact | Bitpanda | 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
Pros
- Cashback of 1% on crypto spending, on an account that also holds several currencies.
- Registered as a crypto asset service provider in Austria (MiCA CASP 5493007WZ7IFULIL8G21), Germany (MiCA CASP 9845005X9B7N610K0093) and Malta (MiCA CASP 984500DEID7B03J77118).
- A visa network card plus a virtual card covers in person spending and online subscriptions.
Cons
- Custody is custodial, so the platform holds the crypto and the keys, and readers who want to hold assets directly cannot.
- Cashback of 1% applies to crypto spending, so purchases elsewhere on the card do not earn that rate.
- The card type is debit and the card kind is recorded as credit, so the money spent comes out of the balance held with the platform and that balance has to be funded first.
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
Who it suits
- Holders of crypto on the platform who want to spend it from a card balance.
- Travellers who want a 0% currency conversion fee on a visa network card.
- Readers who want a virtual card for subscriptions alongside a physical card.
Who should look elsewhere
- Anyone building credit with a card: Varo Believe Secured Credit Card is a secured credit card, while this one is debit and spends a funded balance.
- US readers wanting a secured credit line: Chime Card (Secured Visa Credit Card) lists a $0 monthly fee in dollars.
- Readers who want a plain travel wallet: Wise lists a £0 monthly fee and no crypto balance to fund.
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 | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
8 of 21 countries where either is available.
Questions about each
Bitpanda
What does the Bitpanda card cost to hold?+
The monthly fee on this debit card is €0 and the annual fee is €0, and the card sits in the no annual fee model. There is nothing to pay for keeping the account open, so cost comes from how and where you spend rather than from the account itself.
Is there a fee when I spend abroad?+
The currency conversion fee on the debit card is 0%, and it runs on the visa network, so it can be used abroad with no conversion charge listed for the card. Acceptance follows the network, and travel sits in the feature list, so it is aimed at spending in other currencies.
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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