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About IDFC Credit Card Eligibility

Applying for IDFC FIRST Bank credit cards requires you to meet certain eligibility criteria as dictated by the bank. These include age, monthly income, location, etc. Besides that, the IDFC FIRST Bank will also perform its internal assessment about the applicant’s financial background, credit score, debt-to-income ratio, etc., as per its internal policy checks. The applicant also needs to submit certain documents to back his/her eligibility claim.

Factors Affecting IDFC Credit Card Eligibility

  • Income: The IDFC FIRST Bank credit card eligibility criteria requires the applicant to be either salaried or self-employed. The applicant also needs to submit a proof of his monthly income at the time of applying for a credit card

  • Minimum Age Requirement: The applicant must be at least 18 years of age in order to apply for a credit card. The maximum age limit for IDFC FIRST Bank credit card eligibility can vary between 65-67 years depending whether the applicant is salaried or self-employed.

  • Nationality: The applicant must be a resident of India to fulfill IDFC Bank credit card eligibility

  • Location: The applicant must belong to sourcing cities/location of the IDFC FIRST bank.

  • Credit Score: A good credit score is one of the essential IDFC FIRST Bank credit card eligibility criteria that can significantly improve the applicant’s chances of credit card approval. A credit score of 750 or more is considered ideal while applying for a credit card

  • Credit Utilisation Ratio: In case you have an existing credit card, the bank may check your credit utilisation ratio. It is calculated based on the total amount of credit used, divided by the total amount of credit card limit. Ideally, a credit utilisation ratio of 30 or less is necessary for fulfilling IDFC credit card eligibility.

Eligibility Criteria for Different IDFC Credit Cards

The IDFC FIRST Bank offers four different types of credit cards. They are:


Although these cards offer different features and benefits, the basic IDFC FIRST Bank credit card eligibility when applying for any of these four cards is same and is as follows:


The applicant must be minimum 21 years of age to apply for an IDFC FIRST credit card


The applicant must be an Indian citizen and have his/her permanent and current residential address in India. The applicant must belong to any of the sourcing cities as listed by the bank


The applicant, irrespective of whether salaried or self-employed, must have a minimum monthly income of ₹25,000

Credit Score

Applicant must have a good credit score with no past records of payment default or payment miss

IDFC FIRST Bank Internal Policy Checks

IDFC FIRST Bank conducts its own internal policy checks based on applicant’s existing bank history, demography, and credit exposure. The applicant must pass all these policy checks to be eligible for a IDFC FIRST credit card

IDFC FIRST Bank Credit Card Documents Required

In order to support the claims about the applicant’s IDFC FIRST Bank credit card eligibility, he/she needs to submit certain documents along with the credit card application. The documents required for IDFC credit card application are:

Income Proof

Identity Proof

  • Aadhaar Card

  • PAN card

  • Ration card

  • Voter ID card

Residence Proof

  • Passport

  • Driver’s licence

  • Electricity/Telephone bill

To know more about credit card eligibility, steps to apply for a credit card, and features and benefits offered by different credit cards in the market, continue browsing through Bajaj Markets. Our catalogue of credit card options are perfectly curated to suit all your financial needs. Browse now!


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on IDFC FIRST Bank Credit Card Documents & Eligibility

The IDFC First Bank states a common basic eligibility criteria that an applicant needs to fulfill when applying for any of its credit cards. The IDFC FIRST bank credit card eligibility criteria is mentioned on its official website in the cards section. Just visit https://www.idfcfirstbank.com/credit-card/classic and check your IDFC credit card eligibility.

 As per the IDFC FIRST Bank credit card eligibility policy, any Indian resident who is 18 years of age or above and earns a minimum monthly income of ₹25,000 can apply for an IDFC FIRST credit card. However, the applicant must also ensure that he has a good credit bureau history and qualifies all internal policy checks as stated by the IDFC FIRST Bank.

 The IDFC credit card documents required at the time of submitting your credit card application are:

  • Identity Proof (Aadhaar card, PAN card, Ration card, Voter ID card)

  • Residence Proof (Passport, driver’s licence, electricity/telephone bill, etc)

  • Income Proof (Salary slips, 2-year ITR statement, bank statement)

 As per the IDFC Bank credit card eligibility policy, an applicant, irrespective of whether salaried or self-employed, must have a stable monthly income of ₹25,000.

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