IDFC Bank Credit Card
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Eligibility for Credit Card
To acquire the card, you must meet specific credit card eligibility parameters. The most important ones include :-
(A) You must be at least 21 years old
(B) You must be an Indian citizen
(C) You must have a healthy credit score
(D) Your credit usage ratio must be within an acceptable level
(E) You must have an Annual Income of :-
₹3 lacs or more for FIRST Classic & FIRST Millennia
₹12 lacs or more for FIRST Select
₹36 lacs or more for FIRST Wealth
Reward points that never expire!
Earn forever and Redeem anytime, anywhere with IDFC FIRST Bank credit cards
10X Reward Points on monthly spends of above ₹ 20,000 for Millennia & Select | ₹ 25,000 for Select |₹ 30,000 for Wealth
6X Reward Points for online purchases
3X Reward Points at offline store purchases
Pay Instantly with Reward Points
Pay instantly for any online transaction with your Credit Card Reward Points and for offline transactions too, at select merchants.
Get gift cards or memberships of your favourite brands.
Check out our unique Credit Card Reward Redemption Catalogue page for updates
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0% Interest on Cash Withdrawal
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your due date.
Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹500.
With IDFC FIRST Bank offering India’s best credit card interest rates, you pay zero interest until your due date for payment and at a flat transaction fee of just ₹199/- only.
Annual Percentage Rate (APR)
Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date. This Interest rate charged is called as APR – Annual Percentage Rate.
Apply for credit card at IDFC FIRST Bank to get lower interest rates starting from 9% per annum.
Lower Interest Rates
Usually, other credit cards charge a standard and fixed interest rate as high as 42% p.a. , in case you carry forward your outstanding balance beyond the payment due date.
IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting from 9% per annum. The interest rates stated are typically ‘yearly’ rates, also known as the annual percentage rate (APR). No Interest is charged if you repay your balance in full, each month by the due date. We recommend that you always pay Total Amount Due of your credit card to avoid any charges. Paying Minimum Amount Due each month is mandatory.
Zero Annual Fees
Usually, you will be asked for annual, with waiver only on minimum spend criteria.
IDFC FIRST Bank credit cards offer a Lifetime Free feature i.e., with no annual fees requirements and no conditions applied.
Zero Joining Fee
Usually, joining fees is charged, with a waiver only on minimum spend criteria. At IDFC FIRST Bank, credit cards are Lifetime Free with no joining fees and no conditions applied.
Stay safe with Insurance/RSA coverage
Avail Emergency Roadside Assistance worth ₹1,399 with your credit card – in case of an unfortunate & unforeseen event like a breakdown or a road accident.
Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)
Avail 4 complimentary RSA services in a year
This is available on all IDFC FIRST Bank Credit Cards
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Joining Benefits
Welcome vouchers worth ₹500 on spending ₹15,000 or more in the first 90 days of credit card generation
5% cashback of up to ₹1000 on first EMI transaction done within 90 days of credit card generation
Exciting discounts on Movie Tickets
"Buy one, get one" offer on movie tickets up to ₹500 on Paytm mobile app (valid twice per month) on FIRST Wealth Credit Card
"Buy one, get one" offer on movie tickets up to ₹250 on Paytm mobile app (valid twice per month) on FIRST Select Credit Card
25% discount on movie tickets up to ₹100 (valid once per month) – on FIRST Millennia & FIRST Classic Credit Card
Complimentary Lounge Access
FIRST Millennia & FIRST Classic Credit Card–
4 complimentary Railway lounge visits per quarter
FIRST Select Credit Card
4 complimentary Domestic airport lounge visits per quarter
4 complimentary Railway lounge visits per quarter
FIRST Wealth Credit Card –
4 complimentary Domestic & International airport lounge, spa visits per quarter
2 complimentary Golf rounds per month
Premium Benefits
Get exclusive access to Spa & Golf facilities with IDFC FIRST Bank Credit Cards
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Low Credit Card Interest Rates that Complement Your Lifestyles
9 to 42%
No need to fret over high Interest rates! Your occasional splurge can keep going on with your IDFC FIRST Bank Credit Card, as interest rates are as low as 9% per annum.
More Credit Card Benefits for You!
Convert transactions above ₹2500 to EMI
:- Pay in parts, with easy and hassle-free EMIs
:- Each transaction above Rs.2500 can be converted into easy and hassle-free EMIs
Convert to EMI in Multiple Ways
:- During Purchase
:- Offline - Convert at the Point-Of-Sale (POS) terminals at select merchant stores
:- Online - Convert on the bank’s OTP Page for all online credit card transactions
:- After Purchase
:- Mobile Banking - Login to the app and easily convert, with flexible tenures.
:- Phone Banking – Call 18602582000
Flexible tenures up to 36 months
:- You can avail flexible EMI tenures up to 36 months on all eligible transactions.
5% Cashback as Joining Benefit
:- Get 5% cashback up to ₹1000 on first EMI transaction done within the first 90 days of your card generation
EMI Charges
:- You will be charged 1% of your transaction value (min ₹99).
Low Interest on Balance Transfers
:- Balance Transfer (BT) facility on IDFC FIRST Bank Credit Card enables the customers to transfer their outstanding credit card balances from any other bank to their IDFC FIRST Bank Credit Card account, at a lower rate of interest. By doing this, customer pays dues on the other card and owe that amount on IDFC FIRST Credit Card.
Industry-best Rates
:- Monthly Interest Rate starting at 0.75% , which amounts to an Annual Interest Rate starting at 9% , both on Purchases and Cash Withdrawals upon choosing to delay the credit card payments
Apply Now :- https://ekaro.in/enkr20230320s22654945
Over-limit Charges
Over-limit charges :- 2.5% of the Over-limit amount (subject to a minimum of ₹500) will be levied in case customer ends up making transactions exceeding his credit limit
Maximize your Benefits!
:- Share all your privileges and split your limit with your family
:- Gift a card to your family on their name and share your line of credit with them
:- Maximize rewards by aggregating spends into one Primary account and reach 10X reward milestone faster
:- Assured Credit Card with no credit checks. 100% digital application
:- Powerful mobile app for easy tracking of all purchases by both the Add-on and the Primary cardholders, real time.
:- Applicable to Spouse, Children, Parents & Siblings
Refer & Earn
:- Refer India’s Best Credit Card to your friends and earn exciting perks.
:- On every successful referral –
:- You get ₹500 as 2000 Reward points on issuance
:- Your friend will receive ₹500 as 2000 Reward points on spending minimum ₹500 within 30 days of card issuance
Avail More Points
:- Earn 3X for offline purchases or rental spends
:- Reward program are not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
:- Rental and Property management transactions will not be a part of 10X Reward Program and threshold calculations for 10X Reward Points. However, such transactions will earn 3X reward points.
Convert your credit card outstanding balances above Rs.2,500 into affordable EMIs
:- Balance Conversion is a facility offered to existing IDFC FIRST Bank Credit Cardholders wherein the customer can clear-off outstanding balances in EMIs
:- Single-click process within IDFC FIRST Bank Mobile app
:- Get flexible tenures- 3m, 6m, 9m, 12m & 18m
Get 300+ Merchant offers & Dining discounts, all year long!
You can also download IDFC FIRST Bank Mobile App
IDFC Bank Credit Card List
:- FIRST Wealth
:- FIRST Millenia
:- FIRST Classic
:- FIRST Select
:- FIRST Wow!
Apply Now :- https://ekaro.in/enkr20230320s22654945
Key Features and Benefits of IDFC FIRST Bank Credit Card
The best credit cards come with several benefits and features. Some of the top ones include :-
(1) Lifetime access to your card free of charge
(2) Low credit card interest rates
(3) Cashbacks and rewards as high as 10X with credit card payments
(4) Cash withdrawals from any ATMs around the world at zero interest
(5) Option to split your payments into easy EMIs
(6) Complimentary domestic and international airport lounge accesses
(7) Low forex markup for your international purchases
(8) Instant discounts on movies, gadgets, travel, grocery and more
Top reasons that make IDFC FIRST WOW! Credit Card ideal for students
Summary :- The IDFC FIRST WOW! Credit Card is ideal for students because it is issued against a fixed deposit regardless of credit history. Read on to find out more of its student-friendly benefits.
A student credit card can be a great way for young adults to start building their credit history. By using a credit card responsibly, students can establish a good credit score, which will come in handy when they need to take out a loan for a car or a home later in life. However, many students are not eligible for a credit card because they don't have a steady income or a good credit score.
If you're a student looking for a credit card, don't worry! You can avail a deposit -backed credit card, such as the IDFC FIRST WOW! Credit Card. Here’s what makes it ideal for students.
Apply Now :- https://ekaro.in/enkr20230320s22654945
IDFC FIRST WOW! Credit Card
The FIRST WOW! Credit Card is issued against the security of a fixed deposit with a credit limit 100% of the fixed deposit value. You don't need to provide any documentation or submit a credit score in order to get the card. Additionally, as the card is backed by a fixed deposit, parents do not have to worry about their children overspending.
These features make the credit card ideal for anyone who does not have a CIBIL score or a steady income, such as students, home makers, senior citizens, etc. However, some of the credit card features are especially useful to students. Let’s explore each of them.
(1) Zero forex markup fee :- The FIRST WOW! Credit Card comes with zero forex markup fees on international transactions. This means you will not be charged foreign exchange fees on purchases made with this credit card while studying abroad.
(2) Dining offers :- Young adults studying in a different city often dine out with their friends and colleagues to celebrate birthdays and special occasions. With up to 20% discount at 1500+ restaurants across the country, they can save on their food bills with their FIRST WOW! Credit Card.
(3) Discount offers :- The FIRST WOW! credit card offers discounts and cashbacks from over 300 online and offline merchants from time to time . Offers related to garments, personal accessories, and electronics can be especially useful for students who live on a budget.
(4) Building a credit score :- Getting a student card is a great way to start building credit history. The card will help students build a good CIBIL score by the time they complete their education. Later, once they start earning, they can upgrade to other IDFC FIRST Bank Credit Cards based on their requirements.
In addition to building a credit score, owning a credit card can help instil good money management habits. Students learn how to spend money responsibly and repay the outstanding balance when their monthly bill arrives. Moreover, as the FIRST WOW! Credit Card is tied to a fixed deposit, there is no risk of them defaulting on credit card payments. All dues are settled against the respective FD. All these student-friendly features make the IDFC FIRST WOW! Credit Card the best credit card for students.
The magic of reward points :- The IDFC FIRST WOW! Credit Card offers 4x reward points. The base reward rate is 1x = 1 reward point for every Rs 150 spent. The value of each reward point is Rs 0.25.
Students can pay for their next online purchase using the reward points they earn. They can also redeem them against gift vouchers by popular brands, such as Amazon and Flipkart. The best part - the reward points never expire.
Besides, the FIRST WOW! credit card is lifetime free, which means there’s no joining fee or annual renewal fee.
A Credit Card that truly fulfils all student needs
The IDFC FIRST WOW! Credit Card is a great option for students, particularly those studying abroad. In addition to providing greater value than forex cards, it can help them save more on food and living expenses and develop financial responsibility. Click here to apply now!
Q. How to apply for a Credit Card online?
You can apply for an IDFC FIRST Bank credit card on our website. Here is a step-by-step guide to help you apply for the credit card you need :-
(1) Head to the IDFC FIRST Bank website
(2) Visit the credit card page
(3) Click on "Apply Now" to apply online for your credit card
(4) Enter your basic details, such as your name, age, address, and employment details
(5) Once these details are filled, you may complete the online application by giving your consent online
(6) Your credit card application will then be processed and verified internally by the bank
(7) Once it is approved, you will instantly receive your virtual credit card to view in the IDFC FIRST Mobile Banking App
(8) And your physical credit card plastic will be delivered within 4-5 working days
(9) Alternatively, if you already have an IDFC FIRST Bank Credit Card offer, then you can also log into the IDFC FIRST Bank mobile banking app to apply for the credit card.
(10 benefits of using a Credit Card)
Summary :- Benefits of credit card has changed the way how people pay for the purchases or service. Here are 10 Good Reasons on why use a Credit Card. Check now!
You walk into a department store, pick a pair of jogging shoes, go to the payment counter, flash your credit card, collect the bill and receipt, and walk out of the store with your goods. The whole process was easy, and it took just a few minutes. Here no one has to worry if your bank knows and trusts you to repay the money for the shoes it paid.
You don’t have to go to the bank for a loan, and explain the purpose of borrowing money. Instead, you could use your credit card to spend on anything, pay interest only on revolving credit, and clear your outstanding at your convenience. A credit card has changed the way people shop by helping them have an effortless credit on tap. You may have credit cards from several banks, and it is common for anyone to use a card to pay for the purchases or service.
You can find almost all banks and financial institutions offering various types of credit cards. They are accepted as a means of payment at any place that offers you goods or service. The uses of credit cards are extended to buying groceries, clothing and accessories, booking a movie ticket, shopping online, buying home appliances, paying your utility and mobile bills, and many more.
The benefits of credit cards are innumerable, and some prime ones are :-
(1) Buy on credit :- What makes a credit card attractive is the credit limit allowed to the cardholder. You can buy anything within that limit and pay later. Your monthly budget will not affect, even if you buy items of high value on credit. One among the most important benefits of credit card is you can convert the total amount of your purchases into low-cost EMIs to enable you to repay it easily over a period of time. This has helped revolutionize the shopping experience.
(2) Most accepted method of payment :- You can travel anywhere, without carrying much money if you have this card. Being the most accepted method of payment, you can use a credit card to pay anything.
(3) Interest-free cash withdrawals :- There are a few credit cards that allow you to withdraw money up to a certain limit in case of emergency, with no interest charged up to 45 to 50 days. You can make use of it in times of financial emergency.
(4) Unlimited reward points :- These cards come with reward points when you use them. For instance, IDFC FIRST Bank credit cards offer unlimited and never-expiring reward points, which are easily redeemable.
(5) Insurance coverage :- You get personal accident coverage, as well as comprehensive travel insurance coverage and this is one of the significant benefits of credit cards, which make them attractive.
(6) Make travel easy :- The uses of credit cards in travel make them important. When it comes to IDFC FIRST Bank credit cards, they give you a unique experience through complimentary lounge access at the airports and railway stations in India and priority check-in. Other than these, you can also enjoy discounts on food in more than 280 restaurants.
(7) Discounts and cashbacks :- The advantages of credit cards extend to discounts on some of your favourite entertainment and dining outlets, travel and shopping apps, etc. You can also enjoy fuel surcharge waivers at petrol pumps across the country. To check the host of offers, click - https://idfcfirstrewards.poshvine.com/
(8) Improve your credit score :- The benefits of credit cards do not limit to shopping on credit; instead, it helps improve your credit score. If you know how to use a credit card and how to make use of the credit period, and repay the amount used on time, you can boost your CIBIL score. This will help you obtain loans, without any difficulty in future.
9. Offers safety :- You don’t have to carry much money if you have a credit card.
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10. Keep track of your expenses :- The statements you get every month from netbanking helps you check your expenses and plan the repayment without any delay.
There are still other benefits of credit cards, and if you want to know more about them, you can click here.
IDFC FIRST Bank offers instant credit card that suits you. Find out more. If you wish to apply for new products. To know more about applying for a new credit card, you can also reach out to IDFC FIRST Bank customer care on 1800 10 888.
Disclaimer :- The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
FAQs (frequently asked questions)
Q. What is a credit card?
It is a financial product offered by banks and Non-Banking Financial Companies (NBFCs). It provides cardholders access to immediate credit. The amount of credit varies depending on multiple factors such as the cardholder’s age, income, etc. After cardholders seek credit using a credit card, they can pay back the amount in one go or in instalments within the prescribed due date.
Q. Why is a credit card necessary?
It can be a valuable instrument for collecting rewards, which later can pay for your purchases, availing travel perks, meeting emergencies, and improving your credit score.
Q. What are reward points, and how I can use them?
Reward points are additional perks you receive on making payments using your credit cards. Apply for credit card at IDFC FIRST Bank and get rewarded up to 10X rewards for every payment you make. The rewards you earn do not expire and are fully redeemable against any payment for no fees. You do not get the same benefit as others available in the market. These rewards, if accumulated, can even end up paying for any flight ticket or product you like.
Q. Can I use my credit card for international transactions?
Yes, you can use it for international transactions. They are more helpful because they come with a forex markup of only 1.99% for FIRST Select and 1.5% for FIRST Wealth, facility of cash withdrawal at any ATM across the world at zero interest, free lifetime access, and complimentary airport lounge access when you are on an international trip.
Q. What are the benefits available?
The best credit cards come with several benefits and features. Some of the top ones include :-
(1) Lifetime access to your card free of charge
(2) Low credit card interest rates
(3) Cashbacks and rewards as high as 10X with credit card payments
(4) Cash withdrawals from any ATMs around the world at zero interest
(5) Option to split your payments into easy EMIs
(6) Complimentary domestic and international airport lounge accesses
(7) Low forex markup for your international purchases
(8) Instant discounts on movies, gadgets, travel, grocery and more
Q. What is the eligibility?
To acquire the card, you must meet specific credit card eligibility parameters. The most important ones include :-
:- You must be at least 21 years old.
:- You must be an Indian citizen.
:- You must have a healthy credit score.
:- Your credit usage ratio must be within an acceptable level.
Q. What does my credit score need to be?
A credit score is a vital factor in determining whether you can get the credit card you want. A score above 750 is considered excellent, while a score below 600 is average. Your credit score must be over 700 if you're going to get an IDFC FIRST Bank credit card.
Q. How to apply for a Credit Card online?
You can apply for an IDFC FIRST Bank credit card on our website. Here is a step-by-step guide to help you apply for the credit card you need :-
:- Head to the IDFC FIRST Bank website
:- Visit the credit card page
:- Browse through and select the credit card suited for your needs and lifestyle
:- Click on "Apply Now" to apply online for your credit card
:- Enter your basic details, such as your name, age, address, and employment details
:- Once these details are filled, you may complete the online application by giving your consent online
:- Your credit card application will then be processed and verified internally by the bank
:- Once it is approved, you will instantly receive your virtual credit card to view in the IDFC FIRST Mobile Banking App
:- And your physical credit card plastic will be delivered within 4-5 working days
:- Alternatively, if you already have an IDFC FIRST Bank Credit Card offer, then you can also log into the IDFC FIRST Bank mobile banking app to apply for the credit card.
Q. Why should you apply for credit card at IDFC FIRST Bank?
IDFC FIRST Bank best credit cards are packed with many benefits that enhance your living and travelling experience. The best benefits you can avail include :-
(1) Lifestyle benefits – You can get discounts on shopping, dining, movies, and even complimentary golf rounds every month.
(2) Travel benefits – Benefits that it your perfect travel companion; like complimentary domestic and international airport lounge access, low forex markup, Interest-free cash withdrawals at any ATM across the world.
(3) Other benefits – Some of the other benefits include no joining or annual fees, lowest interest rates, up to 10X rewards on all purchases, easy EMIs, in-app online credit card discounts, discounts on health and wellness outlets, etc.
Q. What is a credit card limit?
Every credit card has a maximum expense limit that the cardholder can consume. The maximum expense limit is known as the credit card limit or simply the "credit limit". The credit limit can vary depending on the credit card type, the individual’s credit history, and the issuing bank.
IDFC FIRST Bank offers several credit cards with exclusive reward points that don’t expire, offers, and exclusive benefits. You can choose a suitable card based on your requirements. Click here to explore the credit cards offered by IDFC FIRST Bank.
Q. I already have a credit card. Can I apply for another one?
Yes, you can apply for another credit card even if you are an existing cardholder. You can also acquire supplementary cards/additional cards for your family members. Having more than one credit card can increase your purchasing power. However, you must examine your repayment capabilities before applying for another credit card since you may need to pay higher interest rates. However, if you already hold an IDFC FIRST Bank credit card, you can’t apply for another although you can always apply to upgrade your credit card.
IDFC FIRST Bank offers exclusive discounts and privileges on credit cards, such as shopping benefits, complimentary airport lounge access and longer grace periods of up to 48 days.
Q. What should I do when my credit card is lost?
When you lose your credit card, contact the credit card issuer and block your credit card. It is advisable to contact your bank within 24 hrs of losing your card to avail the benefits of no liability for credit card misuse. Blocking your credit card ensures it won’t be misused for fraudulent activities.
IDFC FIRST Bank offers the facility of blocking and unblocking your credit card using the mobile app. You can instantly block your card by logging into your credit card account after losing it. You can also call 1860 258 2000 any time to block your IDFC FIRST Bank credit card in case you lose it.
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