Updated October 18, 2026 · DebitCue Editorial Team
IDFC FIRST Bank Credit Cards vs Yendo
IDFC FIRST Bank Credit Cards
Higher score in this comparison
Yendo
IDFC FIRST Bank Credit Cards vs Yendo: the differences
| Compare | IDFC FIRST Bank Credit CardsReviewVisitVisit | YendoReviewVisitVisit |
|---|---|---|
| Annual fee | ₹0 | $40 |
| APR | 8.5%Lower | 24.88% to 35.88% |
| 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 | 1.5% unlimited cashback |
| Cashback rate | 0.5% to 2%Higher | 1.5% |
| Currency conversion fee | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| 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 | Not confirmed |
| Regulators | Not confirmed | NMLS |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- IDFC FIRST Bank Credit Cards scores higher overall: 8.8 vs 8.7.
- APR is lower at IDFC FIRST Bank Credit Cards: 8.5% vs 24.88% to 35.88%.
- Cashback rate is higher at IDFC FIRST Bank Credit Cards: 0.5% to 2% vs 1.5%.
- Support channels: only IDFC FIRST Bank Credit Cards offers Help centre.
- Support channels: only Yendo offers Email, Chat.
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.
Yendo
Yendo suits spenders in the US who want vehicle secured credit with cashback on everyday purchases, backed by support across email, chat and phone. The card carries an annual fee of $40 and APR of 24.88% to 35.88%, with rewards paid as 1.5% unlimited cashback.
Score breakdown
| Area | IDFC FIRST Bank Credit Cards | Yendo |
|---|---|---|
| Cost | 9.5HigherAnnual fee of INR 0, APR of 8.5% and currency conversion fee of 0% keep the running costs low. | 8.3Annual fee of $40 shapes fixed card cost |
| Offer | 8.9 | 9.3HigherCashback paid as 1.5% unlimited cashback drives card appeal |
| Trust | 8.1 | 8.8HigherOversight through NMLS supports confidence |
Where each is licensed and available
| Country | IDFC FIRST Bank Credit Cards | Yendo |
|---|---|---|
| United States | Not confirmed | NMLS 2758990 |
Additional countries for IDFC FIRST Bank Credit Cards: 1. Additional countries for Yendo: 1.
How they place
| Ranking | IDFC FIRST Bank Credit Cards | Yendo |
|---|---|---|
| Credit cards | 32 of 1020 | 36 of 1020 |
| Cashback cards | 11 of 203 | 12 of 203 |
| Secured credit cards | 5 of 27 | 6 of 27 |
Rewards on 1,000 a month
IDFC FIRST Bank Credit Cards
60 to 240
0.5% to 2% of 12,000
Yendo
180
1.5% of 12,000
IDFC FIRST Bank Credit Cards comes out 60 higher in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
A third option
Nexo has apr at from 1.9%, against 8.5% for IDFC FIRST Bank Credit Cards and 24.88% to 35.88% for Yendo.
Nexo reviewEvery fact side by side
| Fact | IDFC FIRST Bank Credit Cards | Yendo |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards, Secured | Rewards, Secured |
| Legal entity | IDFC FIRST Bank Ltd | Yendo Inc. |
| Headquarters | India | United States |
| Founded | 2018 | Not confirmed |
| Support channels | Phone, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | IDFC FIRST Bank Credit Cards | Yendo | Median |
|---|---|---|---|
| APR | 8.5%lowest quarter | 24.88% to 35.88%above the median | 19.39% |
| Currency conversion fee | 0%below the median | Not confirmed | 1% |
| Cashback rate | 0.5% to 2%above the median | 1.5%at 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.
Yendo
Pros
- Cashback paid as 1.5% unlimited cashback through cashback gives steady value on everyday card spending.
- Support through email, chat and phone gives choice across email, chat and phone when help matters.
- NMLS oversight through NMLS with licence 2758990 gives clear public records for US readers.
Cons
- Annual fee of $40 costs more than Oney Préstamos with fees of €0 when fixed charges matter.
- APR of 24.88% to 35.88% sits above typical cashback APR at 22.1%, which raises the cost of carried balances.
- Cashback at 1.5% through cashback may feel narrow next to Qonto for readers who want non rewards card use.
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.
Yendo
Who it suits
- Drivers with a vehicle who want secured credit tied to cashback rewards on everyday spending
- US readers who value NMLS licensing clarity plus email, chat and phone support access
Who should look elsewhere
- Readers who want the lowest fixed fee should look at Oney Préstamos because it lists fees of €0 against Yendo fees of $40.
- Readers who want to avoid interest on carried balances should look at Qonto because card borrowing costs matter more than cashback here.
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 | Yendo |
|---|---|---|
| India | Yes | No |
| United States | No | Yes |
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.
Yendo
What does the Yendo card charge each year+
Yendo lists an annual fee of $40 for the card. You pay that charge to keep the account open even when spending stays modest. Compare that amount with cards that list lower fixed fees before you apply.
How does interest work when a balance carries over+
Yendo lists APR of 24.88% to 35.88% for balances that revolve. You face interest charges when you carry debt past the due date. Paying the statement balance in full helps you avoid those extra costs.
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