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Applying for IDFC FIRST Bank credit cards requires you to meet certain eligibility criteria as directed by the bank. Hence, it is best to check your eligibility before you apply. 


Some common criteria include your age, monthly income, and location. The bank may also check your financial background, credit score, debt-to-income ratio, and other details as per its internal policies.

Eligibility Criteria for Different IDFC FIRST Bank Credit Cards

The IDFC FIRST Bank offers different types of credit cards. Some of them are:

 

Although these cards will have different eligibility terms, the basic requirements for these are listed below:

Parameter

Details

Age

You must be at least 18 years of age to apply for an IDFC FIRST Bank credit card

Residence and Nationality

You must be an Indian citizen or an NRI (Non-Resident Indian)

You must belong to any of the sourcing cities as listed by the bank

Income

You must have a stable monthly income, irrespective of whether you are salaried or self-employed. 

The exact income requirements vary based on the card you choose

Credit Score

You must have a good credit score with no records of default or missed payments

Internal Policy Checks

IDFC FIRST Bank conducts its own internal policy checks based on your existing bank history, demography, and credit exposure. 

You must pass all these policy checks to be eligible for an IDFC FIRST Bank credit card

Documents Required to Apply for IDFC FIRST Bank Credit Cards

In order to prove your eligibility for the IDFC FIRST Bank credit card, you need to submit certain documents along with your application. Here are the specifics:

Identity Proof

  • Aadhaar card

  • PAN card

  • Ration card

Income Proof

  • Bank statements

Residence Proof

  • Passport

  • Voter ID card

  • Driver’s licence

  • Electricity/Telephone bill

Note that the bank may ask for additional documents based on the card you choose. You can check the detailed list for the specific card through the issuer’s website.

 

To know more about your other credit card options and their details, start your search on Bajaj Markets. In a few clicks, you can access various credit cards and find one perfectly curated to suit all your financial needs. 

DISCLAIMER

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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Frequently Asked Questions

How can I check my eligibility for the IDFC FIRST Bank Credit Card?

The IDFC First Bank states some basic eligibility criteria that you need to fulfil to apply for any of its credit cards. These include your age, income, residence, nationality, and credit score. You can check the detailed criteria for your preferred card through the official website.

Who can apply for an IDFC FIRST Bank Credit Card?

As per the bank’s eligibility policy, any Indian resident or NRI who is 18 years of age or above with a stable income can apply. However, you must also ensure that you have a good credit history and qualify for internal policy checks of the bank, if any.

What documents are required for an IDFC FIRST Bank Credit Card?

The documents that you need to submit while applying for the IDFC FIRST Bank Credit Card include proof of identity, residence and income.

What is the minimum salary to apply for a credit card with IDFC Bank?

As per the eligibility policy of the IDFC FIRST Bank Credit Card, you must have a stable monthly income, irrespective of whether you are salaried or self-employed. The exact income requirement depends on the card you choose.

What is the CIBIL score required for an IDFC FIRST Bank Credit Card?

To be eligible for a credit card by IDFC FIRST Bank, you need to have a CIBIL score of 750 and above.

Why am I not eligible for an IDFC FIRST Bank Credit Card?

You may not be eligible for a credit card if you do not meet the eligibility requirements pertaining to your income, age, and credit score.

Is it easy to get an IDFC FIRST Bank Credit Card?

Yes, provided you meet the eligibility criteria. You can quickly check your eligibility before applying to understand your chances of approval.

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