IDFC FIRST Bank Add-On Credit Card: Apply for Supplementary Card

An IDFC FIRST Bank add‑on credit card is a supplementary card issued under the primary cardholder’s existing credit card account. It provides authorised users access to the same credit limit, while allowing independent usage for everyday transactions. Purchases made using the add‑on card are billed to the primary cardholder.

• Linked account structure: All transactions made by the supplementary user are reflected in the primary cardholder’s statement and account history.

• Shared credit limit: The add‑on card draws from the primary card’s approved credit limit, with the option to define usage limits where supported.

• Independent usage: The supplementary cardholder can use the card independently for eligible transactions within the assigned limit.

• Same card features: Rewards, benefits, and applicable privileges follow the terms of the primary card variant.

IDFC FIRST Bank allows primary cardholders to request add‑on cards for eligible individuals based on defined criteria.

• Primary cardholder status: The primary card must be active and in good standing at the time of application.

• Minimum age requirement: The supplementary cardholder is typically required to be 18 years or older.

• Relationship criteria: Add‑on cards are generally issued to family members, subject to verification if needed.

• No credit assessment: The supplementary cardholder is not assessed separately for credit score or income.

• Primary consent: Approval and authorisation from the primary cardholder is mandatory.

IDFC FIRST Bank add‑on credit cards support a relatively broad range of eligible supplementary users compared to standard banking practices.

• Spouse: The primary cardholder’s legally recognised partner may be added as a supplementary user.

• Parents: Parents of the primary cardholder are typically eligible for add‑on issuance.

• Adult children: Children aged 18 years or above may be issued an add‑on card.

• Siblings: Brothers or sisters meeting age criteria may be considered.

• Relationship verification: IDFC FIRST Bank may request additional confirmation documents depending on internal checks.

IDFC FIRST Bank add-on credit cards are designed to extend card usage within a shared account structure. Along with centralised control and tracking, they also support day-to-day usage needs for supplementary users.

The following points outline additional aspects of add-on card usage that complement the existing features:

• Access to primary card benefits: Add-on cardholders can access benefits linked to the primary card, such as reward programmes, cashback structures, and promotional offers, as applicable to the card variant.

• ATM cash withdrawal facility: Add-on cards can be used for cash withdrawals at ATMs, subject to the applicable cash advance terms, limits, and fees defined for the primary card.

• Support for dependent users: These cards can be issued to individuals such as non-working family members, allowing them to participate in card-based transactions under the primary account structure.

• Independent transaction usage: Add-on cardholders can carry out transactions separately, while all usage continues to reflect under the primary card account for billing and tracking purposes.

The fee structure for IDFC FIRST Bank add-on credit cards is defined by the Bank’s applicable terms and may include joining, annual, and usage-related charges.

The following points outline the key IDFC FIRST Bank add-on credit card charges and related conditions:

• Joining fee: A joining fee of ₹499 + GST may be applicable for the add-on card at the time of issuance.

• Annual fee: An annual fee of ₹499 + GST may be applicable from the second year onwards. This fee is reversed if add-on card spends reach ₹60,000 or more within the applicable period.

• Reward benefit condition: 1,000 reward points can be provided when the add-on card records spends of at least ₹500 within 15 days of card generation.

• Interest charges: Interest rates applicable to add-on card transactions are the same as those applicable to the primary credit card, as per the defined APR structure.

• Billing responsibility: All charges, including fees and transaction amounts, are billed to and remain the responsibility of the primary cardholder.

• GST applicability: Goods and Services Tax (GST) is charged as applicable on all fees and charges, as per prevailing regulations.
   

Disclaimer: Fees and charges may vary depending on the specific credit card variant and its applicable terms. The above-mentioned charges are subject to change at the issuer’s discretion.

Applying for an IDFC FIRST Bank add‑on credit card follows a digital application flow that allows the primary cardholder to request a supplementary card for eligible family members. The process involves verification and consent from both the primary and add‑on cardholder.

Here is the step‑by‑step process:

• Step 1: Initiate the application: Log in to the IDFC FIRST Bank Mobile App or visit the official IDFC FIRST Bank add‑on card application page. Select the option to apply for an add‑on credit card.
  

• Step 2: Authenticate and select member: Enter the registered mobile number and the last four digits of the primary credit card. Choose the relationship of the add‑on member, such as spouse, parents, children, or siblings.
  

• Step 3: Provide add‑on member details: Enter the add‑on member’s basic details, including full name as per PAN, date of birth, and mobile number. The add‑on member is required to be at least 18 years old.
  

• Step 4: Digital consent via SMS link: After submission, a unique application link is sent via SMS to the add‑on member’s mobile number, which needs to be accessed to proceed.
  

• Step 5: Completion of KYC: The add‑on member enters Aadhaar and PAN details through the link and completes the video KYC process, if applicable.
  

• Step 6: Card issuance: Once verification is completed, the virtual add‑on card may be generated first, followed by dispatch of the physical card to the primary cardholder’s registered address within a few working days.

IDFC FIRST Bank add-on credit cards are linked to the primary cardholder’s approved account. As a result, documentation requirements are generally limited and focused on identity and verification of the supplementary user.

The following points outline the commonly required documents and checks:

• Identity proof: PAN Card and Aadhaar Card of the add-on cardholder are typically required for KYC verification. These documents are used to establish identity and basic details.

• Age verification: The add-on applicant must be at least 18 years old. Age is validated through the submitted identity documents.

• No income proof requirement: Income documents are generally not required for the add-on cardholder, as the card is issued under the primary cardholder’s credit profile.

• Verification process: The bank may conduct a Video KYC (VKYC) or similar digital verification to confirm applicant details before issuance.

• Primary cardholder authorisation: Consent and application submission by the primary cardholder are mandatory, as all usage is linked to the main account.