Updated September 28, 2026 · DebitCue Editorial Team
Capital One UK vs IDFC FIRST Bank Credit Cards
IDFC FIRST Bank Credit Cards
Capital One UK
Higher score in this comparison
What sets them apart
| Compare | Capital One UKReviewSee alternativesSee alternatives | IDFC FIRST Bank Credit CardsReviewVisitVisit |
|---|---|---|
| Annual fee | £0 | ₹0 |
| APR | 34.9% | 8.5%Lower |
| Currency conversion fee | 2.75% | 0%Lower |
| Rewards type | None | Cashback |
| Perks | Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000, Up to 2 credit limit increases a year, Free QuickCheck eligibility check with no impact to credit score, Round the clock fraud security | 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 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 |
| Balance transfer intro period | 18 months | Not confirmed |
| Balance transfer fee | 3% | Not confirmed |
| Cashback rate | Not confirmed | 0.5% to 2% |
Same on both: Credit needed (Poor), Card kind (Credit).
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Key differences
- Capital One UK scores higher overall: 9.1 vs 8.8.
- Founded is lower at Capital One UK: 1996 vs 2018.
- APR is lower at IDFC FIRST Bank Credit Cards: 8.5% vs 34.9%.
- Currency conversion fee is lower at IDFC FIRST Bank Credit Cards: 0% vs 2.75%.
- Perks: only Capital One UK offers Free CreditWise credit score and report, Up to 56 days interest free on new spends, Section 75 protection on spends between GBP 100 and GBP 30,000.
- 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 Capital One UK offers Chat, Email.
Our verdict on each
Capital One UK
Capital One UK suits UK shoppers building a score or clearing a balance, offering a balance transfer intro of 18 and credit tools with no fee to hold. The representative APR of 34.9% makes it a card to clear rather than revolve.
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 | Capital One UK | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Cost | 8.7Annual fee £0 and a 3% balance transfer fee keep costs low, against 34.9% interest and 2.75% abroad. | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. |
| Offer | 9.5HigherBalance transfer intro of 18, free credit score tools, and no rewards (none). | 8.9 |
| Trust | 9.0Higher | 8.1 |
Which one suits you
Pick Capital One UK if offer and trust matter most.
Pick IDFC FIRST Bank Credit Cards if cost, apr, and currency conversion fee matter most.
Availability and regulation
Additional countries for Capital One UK: 1. Additional countries for IDFC FIRST Bank Credit Cards: 1.
What we checked
Capital One UK
- capitalone.co.uk: 14 facts, checked September 26, 2026
IDFC FIRST Bank Credit Cards
- idfcfirstbank.com: 15 facts, checked September 26, 2026
How they place
| Ranking | Capital One UK | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Credit cards | 153 of 1020 | 32 of 1020 |
| Bad credit and credit builder cards | 10 of 23 | 3 of 23 |
Every fact side by side
| Fact | Capital One UK | IDFC FIRST Bank Credit Cards |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Not confirmed | Rewards, Secured |
| Legal entity | Capital One (Europe) plc | IDFC FIRST Bank Ltd |
| Headquarters | United Kingdom | India |
| Founded | 1996Lower | 2018 |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Capital One UK | IDFC FIRST Bank Credit Cards | Median |
|---|---|---|---|
| APR | 34.9%highest quarter | 8.5%lowest quarter | 19.39% |
| Currency conversion fee | 2.75%highest quarter | 0%below the median | 1% |
| Balance transfer intro period | 18 monthsabove the median | Not confirmed | 15 months |
| Balance transfer fee | 3%at the median | Not confirmed | 3% |
| Cashback rate | Not confirmed | 0.5% to 2%above the median | 1.5 |
Median across 312 listed cards.
Pros and cons
Capital One UK
Pros
- Aimed at poor credit, so applicants turned down elsewhere can still apply.
- Support runs on chat, phone and email, so help is easy to reach by phone, chat, email or a help centre.
- Credit building tools come as standard: a free credit score and report, an eligibility check that leaves the credit score untouched, and round the clock fraud security.
Cons
- Representative APR of 34.9% sits above the site average of 20.97%, so an unpaid balance costs quickly.
- Foreign purchases are charged 2.75% in currency conversion, above the site average of 1%.
- The rewards type is listed as none, so nothing comes back on everyday spending.
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
Capital One UK
Who it suits
- UK applicants with poor credit who want a mainstream card rather than a secured one.
- Balances being cleared, where the 18 transfer window and 3% fee on the balance transfer card keep the move contained.
- Cardholders who pay in full and would rather build a score than chase rewards.
Who should look elsewhere
- Not for frequent foreign spend, where Wise charges 0% on currency conversion against 2.75% on this card.
- Not for anyone after a deposit backed card, since Varo Believe Secured Credit Card has an annual fee of $0 on a secured basis.
- Not for shoppers who want a rewards earn on everyday buying, as the rewards type here is none and Chime Card (Secured Visa Credit Card) offers the same credit building route.
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
Capital One UK
Current offer
First period offer
0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases
Balance Transfer card; up to 3% transfer fee (maximum 3%); up to GBP 8,000 starting credit limit; representative example assumes a GBP 1,200 credit limit with 34.94% p.a. variable interest on purchases giving 34.9% APR representative variable
Source, checked September 26, 2026
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 | Capital One UK | IDFC FIRST Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Capital One UK
Is there an annual fee on the Capital One UK credit card?+
There is no annual fee. The card is sold on a no annual fee model, so the annual fee is £0 and the only real cost is interest. That interest is the part to watch, at a representative APR of 34.9%, because the card is aimed at poor credit and some applicants will revolve.
What rate applies if I do not clear the balance?+
The representative APR is 34.9%, above the site average of 20.97%. New purchases sit inside the interest free window the card offers, so the rate matters most once that window runs out or a transferred balance is still unpaid.
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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IDFC FIRST Bank Credit Cards
Capital One UK