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Find out if you are eligible for an IDFC FIRST Bank credit card by checking a few key parameters.
Applying for an IDFC FIRST Bank credit card requires you to meet specific eligibility norms set by the bank. Therefore, it is helpful to review these criteria before initiating your application. Generally, factors such as your age, monthly income, and residential location play an important role.
The bank may also review your credit score, financial history, debt‑to‑income ratio, and other details as per its internal assessment policies.
IDFC FIRST Bank defines eligibility based on age, income, residency status, and credit profile. Since each card has its own conditions, reviewing the criteria for all available variants helps you identify the card suitable for your profile.
The table below summarises the key parameters for the IDFC FIRST Bank credit cards available on Bajaj Markets:
| Credit Card | Age Requirement | Income / FD Requirement | Credit Score / Other Conditions |
|---|---|---|---|
IDFC FIRST Bank SWYP Credit Card |
21–60 (salaried), 25–60 (self‑employed) |
₹25,000 monthly income |
CIBIL 750+ |
IDFC FIRST Bank FIRST Millennia Credit Card |
21–35 years |
₹3 Lakhs annual income |
Must meet bank’s internal credit norms |
IDFC FIRST Bank FIRST CLASSIC Credit Card |
21+ years |
₹3 Lakhs annual income |
Healthy credit score; acceptable utilisation |
IDFC FIRST Bank Wealth Credit Card |
21–80 years |
₹36 Lakhs annual income |
Indian resident with valid addresses |
IDFC FIRST Bank Power Credit Card |
21+ years |
₹3 Lakhs annual income |
Good credit score; acceptable utilisation |
IDFC FIRST Bank SELECT Card |
21–70 (salaried), 25–70 (self‑employed) |
₹12 Lakhs annual income |
Good credit profile |
IDFC FIRST Bank WOW! Credit Card |
18+ years |
FD of ₹20,000+ |
Indian resident; FD in cumulative/reinvest/auto‑renew |
IDFC FIRST Bank EARN Credit Card |
18+ years |
FD of ₹5,000+ |
Credit limit linked to FD |
Having the necessary documents ready helps you complete your IDFC FIRST Bank credit card application smoothly. The lists below show the card‑wise requirements for identity, address, and income proofs:
These documents help verify your identity across different IDFC FIRST Bank credit cards.
| Credit Card | Accepted Identity Proofs |
|---|---|
• Aadhaar Card |
|
• Aadhaar Card |
|
• Passport |
|
• Aadhaar Card |
|
• PAN Card |
|
• PAN Card |
|
• Passport |
|
• PAN Card |
These documents confirm your current residential details as required by the bank:
| Credit Card | Accepted Address Proofs |
|---|---|
SWYP Credit Card |
• Aadhaar Card |
FIRST Millennia Credit Card |
• Passport |
Classic Credit Card |
• Aadhaar Card |
Wealth Credit Card |
• Passport |
WOW! Credit Card |
• Aadhaar Card |
EA₹N Credit Card |
• Aadhaar Card |
Power Credit Card |
• Aadhaar Card |
SELECT Credit Card |
• Aadhaar Card |
You may need to share income‑related documents depending on the type of credit card you choose:
| Credit Card | Accepted Income Proofs |
|---|---|
SWYP Credit Card |
• Salary slips |
FIRST Millennia Credit Card |
• Salary slips |
Classic Credit Card |
• Salary slips |
Wealth Credit Card |
• Salary slips |
WOW! Credit Card |
• NA (FD‑backed card) |
EA₹N Credit Card |
• NA (FD‑backed card) |
Power Credit Card |
• Salary slips |
SELECT Credit Card |
• Salary slips / Form 16 (salaried) |
Preparing your documents in advance helps speed up verification and reduces delays during processing. Make sure the details on all documents match the information in your application.
Keep clear, readable copies of identity, address, and income proofs
Ensure your PAN and Aadhaar details are updated and linked
Use recent documents—utility bills and bank statements should be from the last 2–3 months
Upload documents in the supported file formats and within size limits
Make sure your signature matches the one on your official ID
Double‑check that your income proofs reflect stable monthly earnings
Keep your original documents ready for in‑person verification, if required
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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.
Any Indian resident who meets the bank’s age, income, and credit profile requirements can apply. Specific criteria vary by card type.
The documents that you need to submit while applying for the IDFC FIRST Bank Credit Card include proof of identity, residence and income.
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.
To be eligible for a credit card by IDFC FIRST Bank, you need to have a CIBIL score of 750 and above.
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.
Yes, provided you meet the eligibility criteria. You can quickly check your eligibility before applying to understand your chances of approval.
You can avoid delays by providing clear documents, ensuring details match your application, using updated proofs, and completing KYC verification promptly as requested by the bank.
Yes, a PAN card is generally required for most IDFC FIRST Bank credit cards. It is essential for identity verification and mandatory for financial compliance and reporting.
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