Disclaimer: IDFC FIRST Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only.
Headquartered in Mumbai, the IDFC FIRST Bank operates across various business verticals providing a wide array of services to its clients. Known for its exclusive credit cards with low charges, IDFC FIRST Bank is one of the country's most popular credit card issuers. Some key benefits of using IDFC FIRST Bank Credit Cards are interest-free cash withdrawals, accident cover, discounts on movie tickets, unlimited reward points with no expiry, fuel surcharge waivers, and much more.
There are primarily four types of IDFC FIRST Bank Credit Cards offered by the bank. Here are some details on each of them:
The IDFC Millennia credit card was launched for customers who could continue enjoying more benefits in terms of higher rewards and cashbacks as the rewards do not have an expiry date. This IDFC FIRST Bank Credit Card does not have a joining fee and has an interest ranging between 0.75% and 2.99% per month.
The IDFC FIRST Classic credit card is a lifetime free credit card which is a bonus for cardholders. Additionally, it also has a lucrative rewards and benefits program, especially catering to those who love to shop and travel extensively. The card does not have a joining fee or annual fee. The monthly interest rate is between 0.75% and 2.99%.
The IDFC FIRST Select credit card is one of the best in its categories as it comes with the best rewards and benefits program for its customers that will never expire. This IDFC credit card has been specially curated for customers who love to spend and enjoy a lavish lifestyle. The card does not have a joining fee or annual fee. The monthly interest rate is between 0.75% and 2.99%.
The IDFC FIRST Wealth credit card has partnered with some of the most prominent brands in the market to offer 10X reward points on each purchase, which makes it unique. Apart from that, you can enjoy complimentary access to airport lounges and spas along with travel insurance and other benefits. This IDFC credit card is completely free and has no annual or joining fee making it even more attractive.
The IDFC FIRST Bank offers credit cards that provide benefits such as lounge access at railways, comprehensive rewards program, waiver on fuel surcharge, discounts on dining at network restaurants, movie ticket discounts, and more.
Given below is a complete breakdown of the features offered by some of the IDFC FIRST Bank Credit Cards:
4 complimentary international and domestic lounge visits at airports
Get one free movie ticket every month on purchasing a movie ticket
Complimentary golf rounds
On birthday spends, get up to 10X rewards points
Discount of up to 25% on movie tickets every month
4 complimentary visits to railway lounges in a quarter
On offline spends, up to 3X reward points
Waiver of up to 1% on fuel surcharge at petrol stations
On spends above ₹20,000, earn up to 10X reward points
No foreign transaction markup fee
15% discount at over 3000 Wellness and Health outlets
On every transaction, earn up to 4X reward points
Personal accident cover
Up to 1% waived off on fuel surcharges
4 complimentary roadside assistance of up to ₹1,399
Up to 20% discount at over 1,500 restaurants
Unlimited reward points with a validity of a lifetime
Lifetime free credit card
4 complimentary domestic lounge visits at airports
Free personal accident cover worth ₹2 Lakh
On birthday spends, up to 10X reward points
25% discount on movie tickets every month
Personal accident cover of up to ₹2 Lakh
On online spends, earn up to 6X reward points
Discount of up to 25% on movie tickets every month
On spends that exceed ₹20,000, earn reward points of up to 10X
The IDFC FIRST Bank Credit Cards have numerous benefits. Here’s a quick glance at them:
In the span of the first 90 days of your IDFC Credit Card being issued, if you spend ₹15,000 you will receive a gift voucher as a welcome gift.
With the IDFC Credit Card you can get up to ₹50,000 as Lost Card Liability and ₹10,00,000 as Personal Accident Cover.
Any cash withdrawals made at ATMs using your IDFC Credit Card are interest-free for the first 48 days. This benefit is applicable on all the credit cards that are offered by IDFC FIRST Bank.
Your first EMI transaction made using the IDFC FIRST Bank Credit Card in a span of the first 90 days of your card’s issuance, will entitle you to a cashback of 5%.
The IDFC FIRST Bank Credit Card is equipped with a free roadside assistance cover of ₹1,399
The IDFC FIRST Bank Credit Card interest rates start as low as 0.75% p.m. or 9% per annum. These interest rates can hike up to 3.99% p.m. which is still comparatively lower than most other credit cards.
All the above-mentioned IDFC credit cards are lifetime free credit cards. However, to get these IDFC lifetime free credit cards, an applicant needs to fulfil certain eligibility criteria as mentioned below:
Age: The age of the applicant must essentially be 21 years and above to be able to apply for an IDFC credit card.
Location: As per the IDFC Credit Card application policy, the applicant must be an Indian citizen, and have his/her current and permanent residential address within the country.
Income: You should have a minimum monthly income of ₹25,000 to be eligible to apply for an IDFC FIRST Bank Credit Card
Credit History: Having a good credit history is another important eligibility criterion for an IDFC FIRST Bank Credit Card. The applicant must show proof of a good credit record without any defaults on loans or previous credit card payments at the time of application
Internal Policies: The applicant has to finally follow the rules and internal policies of the bank to be able to get a credit card. A final judgement will be made by IDFC FIRST bank regarding the grant of credit cards to the applicant based on its own internal assessment.
The bank requires an applicant to submit certain key documents at the time of applying for a credit card. They are as follows:
Proof of Address: Copy of telephone bill, Aadhaar card, electricity bill, rental agreement, passport, or the ration card
Proof of Identity: Voters Card, Passport, Aadhaar card, Driving Licence, Pan Card
Income Documents: For self-employed applicants, the bank requires the balance sheet or audit statement, financial statement of the business, and latest Income tax return copy. For salaried applicants, the bank needs to verify the latest salary slip, salary certificate, and letter of employment.
To apply for an IDFC credit card, you can fill out the online application from the official website or visit the nearest bank branch and fill out the credit card application.
Step 1: Visit the IDFC FIRST Bank website.
Step 2: Head to the ‘Credit Cards’ section and select ‘Apply now’
Step 3: Fill in the application form and enter your personal details like name, date of birth, and mobile number and submit it online
Step 4: Once you receive an OTP, you can go ahead and apply for the IDFC Credit Card of your choice
Step 1: Visit the closest IDFC FIRST Bank branch.
Step 2: Request a bank representative for a credit card application form.
Step 3: Fill in all the details required in the form carefully and accurately.
Step 4: Attach the required documents and submit your credit card application form at the bank branch.
Step 5: The bank will verify your application and contact you for further details if needed.
Step 6: Once your application is approved, you will receive your IDFC Credit Card.
IDFC FIRST Bank offers one of the most competitive reward programs in the market, like low-interest rates and exclusive lifestyle and travel benefits. One of the major highlights is the fact that you can claim unlimited reward points that you can redeem later at your convenience. Other key highlights are as follows:
Interest-free cash withdrawals from ATMs up to a period of 48 days
Up to 6x rewards on online purchases made using select IDFC FIRST Bank Credit Cards
Up to 4x rewards on rental payments and offline purchases made using select IDFC FIRST Bank Credit Cards
Evergreen reward points with unlimited validity
Personal accident insurance with a cover up to ₹10 Lakhs
IDFC FIRST Bank offers reliable channels of customer care and support for credit card holders. If you own an IDFC FIRST Bank Credit Card, you can contact the bank’s customer service helpline in many different ways. Here are some such solutions if you want to reach out to IDFC First Bank customer care online.
Call the bank at 1800 10 888
Email the bank at firstname.lastname@example.org
WhatsApp the bank at 9555 555 555
Yes, currently, all the IDFC Credit Cards are free of any annual or joining charges
The minimum salary requirement is ₹25,000, and you can easily get a IDFC credit card of your choice.
Yes, you can definitely make cash withdrawals using your IDFC credit card, but you will have to bear a transaction fee along with added interest of up to 3.99%.
Once you follow the step-by-step process to apply for an IDFC credit card and it is verified and approved by the bank, it will be sent to your registered address within 14 working days.
Yes, all IDFC FIRST Bank Credit Cards offer a 1% fuel surcharge waiver. It is to be noted that the IDFC FIRST Millennia and Classic credit cards offer waivers up to ₹200, IDFC FIRST Select credit card offers waivers up to ₹300, and IDFC FIRST Wealth Credit Card offers a fuel surcharge waiver of up to ₹400 per statement cycle.
You can instantly use your rewards points to pay for online purchases or in-store purchases by selecting the 'pay with points' option.
You can apply for an IDFC credit card online as well as offline. To apply online, you can visit the bank’s official website to apply for the credit card of your choice. For the offline mode, you can visit the nearest IDFC FIRST Bank branch to apply for a credit card.
IDFC FIRST Bank offers different types of credit cards that you can choose from as per your needs and preferences. The four best IDFC credit cards are IDFC FIRST Millennia Credit Card, IDFC FIRST Classic Credit Card, IDFC FIRST Select Credit Card, and IDFC FIRST Wealth Credit Card. All four of these IDFC credit cards are lifetime free and offer a number of features, benefits, deals, and rewards that you can use across top stores and brands online as well as offline.
You can download your credit card statement in two ways. Through internet banking, by visiting the bank’s website, and logging into your account, selecting the ‘Cards’ option and clicking on ‘Download statement’. The other way is via mobile app; get the verification code by entering your customer ID. Select the ‘Cards’ option and click on ‘Download statement’.
The IDFC FIRST Bank Credit Card offers a wide range of benefits like; no annual charges, interest-free cash withdrawals, and unlimited reward points with no expiry. You can also make good use of features like fuel surcharge waivers across all fuel stations in India, and exclusive travel and lifestyle privileges.
The common fees and charges on IDFC FIRST Bank Credit Cards include add-on card fees, finance charges and late payment charges. Other costs include over-limit charges, card replacement fees, EMI processing fees and charges for foreign currency transactions.
IDFC FIRST Bank Credit Cards offer evergreen reward points that do not expire. So, the reward points you accumulate on your IDFC FIRST Bank Credit Cards have unlimited validity.