Updated September 28, 2026 · DebitCue Editorial Team
IDFC FIRST Bank Credit Cards vs Rahalaitos luottokorttikampanja
IDFC FIRST Bank Credit Cards
Rahalaitos luottokorttikampanja
Higher score in this comparison
Where IDFC FIRST Bank Credit Cards and Rahalaitos luottokorttikampanja differ
| Compare | IDFC FIRST Bank Credit CardsReviewVisitVisit | Rahalaitos luottokorttikampanjaReviewVisitVisit |
|---|---|---|
| Annual fee | ₹0 | €0 |
| APR | 8.5% | €17.50 to €39 |
| 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 | 10 points per 1 EUR spent |
| 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, Cancellation insurance, Purchase protection, Interest free payment period of 45 60 days, Apple Pay and Google Pay, Free current and savings account with the Ferratum card, 10% club discounts with the Instabank card, Fully digital card |
| Currency conversion fee | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Cashback rate | 0.5% to 2% | Not confirmed |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- Rahalaitos luottokorttikampanja scores higher overall: 9.1 vs 8.8.
- Founded is lower at Rahalaitos luottokorttikampanja: 2011 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 Rahalaitos luottokorttikampanja offers Travel insurance, Cancellation insurance, Purchase protection.
- Support channels: only Rahalaitos luottokorttikampanja offers Email.
- Features: only IDFC FIRST Bank Credit Cards offers Secured.
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.
Rahalaitos luottokorttikampanja
Rahalaitos luottokorttikampanja suits Finnish businesses that want cashback on everyday card spending, paying 10 points per 1 EUR spent in rewards and adding nothing to fixed costs. It is built for companies rather than personal users, so a household cardholder will find it the wrong tool.
Score breakdown
| Area | IDFC FIRST Bank Credit Cards | Rahalaitos luottokorttikampanja |
|---|---|---|
| Cost | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. | 9.3Annual fee of €0 keeps holding costs low, but an APR of €17.50 to €39 is the weaker part of the cost picture. |
| Offer | 8.9 | 9.6Higher |
| Trust | 8.1 | 8.6Higher |
Where they rank in our lists
| Ranking | IDFC FIRST Bank Credit Cards | Rahalaitos luottokorttikampanja |
|---|---|---|
| Credit cards | 32 of 1020 | 25 of 1020 |
| Cashback cards | 11 of 203 | 7 of 203 |
Availability and regulation
Additional countries for IDFC FIRST Bank Credit Cards: 1. Additional countries for Rahalaitos luottokorttikampanja: 1.
What we checked
IDFC FIRST Bank Credit Cards
- idfcfirstbank.com: 15 facts, checked September 26, 2026
Rahalaitos luottokorttikampanja
- rahalaitos.fi: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | IDFC FIRST Bank Credit Cards | Rahalaitos luottokorttikampanja |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards, SecuredCovers more | Rewards |
| Audience | Not confirmed | Business |
| Legal entity | IDFC FIRST Bank Ltd | Sambla Group Oy |
| Headquarters | India | Finland |
| Founded | 2018 | 2011Lower |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | IDFC FIRST Bank Credit Cards | Rahalaitos luottokorttikampanja | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
| Cashback rate | 0.5% to 2%above the median | Not confirmed | 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.
Rahalaitos luottokorttikampanja
Pros
- Cashback on spending at 10 points per 1 EUR spent.
- Perks include travel insurance, cancellation insurance, purchase protection, an interest-free payment period, Apple Pay and Google Pay, and a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Support covers email, phone and help centre.
Cons
- Borrowing is not cheap: an APR of €17.50 to €39 against a credit card ranking median of 20.85%.
- It is a business card, so personal spending sits outside its intended use (business).
- Perks differ by card, with a current and savings account bundled only with the Ferratum card and club discounts only with the Instabank card (travel insurance, cancellation insurance and purchase protection).
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.
Rahalaitos luottokorttikampanja
Who it suits
- Companies that want a credit card with an annual fee of €0 and cashback on everyday purchases.
- Firms that pay by phone wallet and want a fully digital card (travel insurance, cancellation insurance and purchase protection).
- Teams that value travel, cancellation and purchase protection on the card (travel insurance, cancellation insurance and purchase protection).
Who should look elsewhere
- Wise, if you want a multi-currency account rather than a business credit line; its annual fee is £0.
- Varo Believe Secured Credit Card, if you are building a credit history with a secured card, annual fee $0.
- Chime Card (Secured Visa Credit Card), which is a secured card rather than a business credit card, annual fee $0.
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 | Rahalaitos luottokorttikampanja |
|---|---|---|
| Finland | No | Yes |
| 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.
Rahalaitos luottokorttikampanja
What does the card cost to hold each year?+
The annual fee is €0, and the card runs on a no annual fee model, so there is no fixed charge for keeping it open. Costs come from borrowing at the annual percentage rate, not from holding the card.
What rate do I pay if I carry a balance?+
The APR is €17.50 to €39, a range rather than a single rate, so borrowing cost can land anywhere inside it. The perks list an interest-free payment period, which is the cheapest way to use the card: clear the balance before that ends.
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