Updated September 28, 2026 · DebitCue Editorial Team
IDFC FIRST Bank Credit Cards vs N26 Go
IDFC FIRST Bank Credit Cards
N26 Go
Higher score in this comparison
What sets them apart
| Compare | IDFC FIRST Bank Credit CardsReviewVisitVisit | N26 GoReviewVisitVisit |
|---|---|---|
| Annual fee | ₹0 | €118.80 |
| Rewards rate | 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 | 1% while traveling outside EEA, Switzerland, UK for up to 12 months |
| Perks | 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 | Travel insurance, Airport lounge access, Dedicated phone support, Free ATM withdrawals worldwide |
| Cashback rate | 0.5% to 2%Higher | 1% |
| APR | 8.5% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Card kind | Credit | Not confirmed |
Same on both: Currency conversion fee (0%), Rewards type (Cashback).
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Key differences
- N26 Go scores higher overall: 9.0 vs 8.8.
- Founded is lower at N26 Go: 2013 vs 2018.
- 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.
- Perks: only N26 Go offers Travel insurance, Airport lounge access, Dedicated phone support.
- Cashback rate is higher at IDFC FIRST Bank Credit Cards: 0.5% to 2% vs 1%.
- Features: only IDFC FIRST Bank Credit Cards offers Rewards, Secured.
- Features: only N26 Go offers Travel, Virtual card.
Our verdict on each
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.
N26 Go
N26 Go suits people who spend most of each year abroad and want travel extras without a foreign conversion charge. The membership costs €118.80 a year, and the currency conversion fee is 0%, so card spending abroad keeps its full value.
Score breakdown
| Area | IDFC FIRST Bank Credit Cards | N26 Go |
|---|---|---|
| Cost | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. | 9.4The currency conversion fee is 0% and the membership runs at €118.80 a year, a fair price for the travel cover and lounge access. |
| Offer | 8.9 | 8.9 |
| Trust | 8.1 | 8.8Higher |
A third option
Coinbase has cashback rate at 2% to 4%, against 0.5% to 2% for IDFC FIRST Bank Credit Cards and 1% for N26 Go.
Coinbase reviewSources behind this comparison
IDFC FIRST Bank Credit Cards
- idfcfirstbank.com: 15 facts, checked September 26, 2026
N26 Go
- n26.com: 7 facts, checked September 26, 2026
- support.n26.com: 3 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
How they place
| Ranking | IDFC FIRST Bank Credit Cards | N26 Go |
|---|---|---|
| Cashback cards | 11 of 203 | 9 of 203 |
Every fact side by side
| Fact | IDFC FIRST Bank Credit Cards | N26 Go |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, Secured | Travel, Virtual card |
| Audience | Not confirmed | Kids, Business |
| Legal entity | IDFC FIRST Bank Ltd | N26 SE |
| Headquarters | India | Germany |
| Founded | 2018 | 2013Lower |
| Support channels | Phone, Help centre | Phone, Help centre |
Where each stands against the rest
| Fact | IDFC FIRST Bank Credit Cards | N26 Go | Median |
|---|---|---|---|
| APR | 8.5%lowest quarter | Not confirmed | 19.39% |
| Currency conversion fee | 0%below the median | 0%below the median | 1% |
| Cashback rate | 0.5% to 2%above the median | 1%below the median | 1.5 |
Median across 312 listed cards.
Pros and cons
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.
N26 Go
Pros
- No foreign conversion cost on the currency conversion fee of 0%, against a site median of 1%
- Cashback of 1% on spending outside the EEA, Switzerland and the UK, paid as cashback
- Free ATM withdrawals worldwide, a clear step up from a site median free withdrawal allowance of €0
Cons
- The annual fee of €118.80 is a real cost, and the site annual fee median is €0
- Cashback is limited to spending outside the EEA, Switzerland and the UK, and it stops after a set period
- Support runs through phone and help centre, so the dedicated phone line is reserved for members paying the annual fee
Who each suits
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.
N26 Go
Who it suits
- People who travel regularly and pay in several currencies each year
- Travellers who still take cash out at the machine and want free ATM withdrawals worldwide
- Members who will use travel insurance and airport lounge access more than once a year
Who should look elsewhere
- Anyone spending only inside the EEA, Switzerland and the UK, where the cashback does not apply
- People who want a cheap everyday debit card, since Varo Believe Secured Credit Card charges a monthly fee of $0
- Bank customers who will not use travel insurance, lounge access or dedicated phone support, all of which come with the membership
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 | IDFC FIRST Bank Credit Cards | N26 Go |
|---|---|---|
| India | Yes | No |
Questions about each
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.
N26 Go
What does the N26 Go membership cost?+
The membership runs at €118.80 a year on top of a monthly fee of €0. In return the account adds travel insurance, airport lounge access, dedicated phone support and free ATM withdrawals worldwide. The perks list is the reason to look past the annual fee.
Is there a foreign transaction or currency conversion fee?+
The currency conversion fee is 0%, so spending abroad keeps the full value of the transaction. That sits below the site median of 1%, which is why the card appeals to frequent travellers.
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