IDFC FIRST Bank Credit Card

**Disclaimer: IDFC FIRST Bank is not a Finserv MARKETS’ partner. Offers would be from partner Banks/NBFCs only.

 

IDFC FIRST Bank has quickly emerged as a pioneer in retail banking. While surging ahead with the path of mergers and on-boarding tech-driven liabilities platforms, the bank has expanded substantially across India, catering to more than 7.3 billion customers. Some of the popular financial services offered by the bank include personal and consumer loan facilities, mutual funds, credit/debit cards, NRI banking, and more. The IDFC credit card comes with several privileges and rewards. Some of the key benefits of using IDFC 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. Know all about the credit card benefits and other IDFC bank credit card details below:

About IDFC Credit Card Types

One of the popular financial services availed by IDFC bank customers is the IDFC FIRST Credit card. There are four types of credit cards offered by IDFC FIRST bank. They are:

  • IDFC FIRST Millennia Credit Card

  • IDFC FIRST Classic Credit Card

  • IDFC FIRST Select Credit Card

  • IDFC FIRST Wealth Credit Card

These credit cards come with their own unique set of features and benefits for the cardholders. These include certain lifestyle perks, travel discounts, shopping discounts, cashbacks on several deals, and much more. In case you are confused about which IDFC bank credit card to choose, here is a comparison of all IDFC credit cards currently available.

 

IDFC FIRST Millennia Credit Card

IDFC FIRST Classic Credit Card

IDFC FIRST Select Credit Card

IDFC FIRST Wealth Credit Card

Type

Lifetime free credit card

Lifetime free credit card

Lifetime free credit card

Lifetime free credit card

Joining/Annual Fee

Nil

Nil

Nil

Nil

Interest Free Cash Withdrawals

Available on domestic and international ATMs for up to 48 days

Available on domestic and international ATMs for up to 48 days

Available on domestic and international ATMs for up to 48 days

Available on domestic and international ATMs for up to 48 days

Welcome Benefits

Get a voucher worth ₹500 on spending ₹15,000 within 90 days of card issuance

Get a voucher worth ₹500 on spending ₹15,000 within 90 days of card issuance

Get a voucher worth ₹500 on spending ₹15,000 within 90 days of card issuance

Get a voucher worth ₹500 on spending ₹15,000 within 90 days of card issuance

Movie Tickets

25% discount on movie tickets up to ₹100 every month 

25% discount on movie tickets up to ₹100 every month

Buy one, get one offer on movie  tickets up to ₹250, twice a month

Buy one, get one offer on movie   tickets up to ₹500, twice a month

Fuel Surcharge waiver 

1% surcharge waiver across all fuel stations in India amounting up to ₹200/month 

1% surcharge waiver across all fuel stations in India amounting up to ₹200/month

1% surcharge waiver across all fuel stations in India amounting up to ₹300/month

1% surcharge waiver across all fuel stations in India amounting up to ₹400/month

Accident cover

Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000

Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000

Personal Accident Cover of ₹5,00,000* and Lost Card Liability Cover of ₹50,000

Personal Accident Cover of ₹10,00,000* and Lost Card Liability Cover of ₹50,000

IDFC Bank Credit Card Eligibility Criteria

All the above-mentioned IDFC credit cards are lifetime free credit cards. However, to avail these IDFC FIRST lifetime free credit cards, an applicant needs to fulfill certain eligibility criteria as mentioned below:

  • Age

The IDFC FIRST bank credit card application policy dictates that the age of the applicant wishing to apply for IDFC credit card must be 21 years or above.

  • Residency and Sourcing Location

As per the IDFC Credit Card application policy, the applicant must be an Indian citizen, having his/her current and permanent residential address within the country. The IDFC FIRST Bank also maintains a list of cities that are allowed for sourcing in order to be eligible for IDFC FIRST bank credit card apply online procedure

  • Income

The income eligibility for an applicant varies as per the type of credit card he/she is applying for. However, the bank dictates that the minimum net monthly income of the applicant must be ₹25,000.

  • Credit History

Having a good credit history is another essential eligibility criteria for IDFC credit card apply procedure. The applicant must show proof of a good credit record. He/she should not have any records of defaulting on loans or previous credit card payments at the time of application.

  • lDFC FIRST Bank’s internal policies

Apart from the above-mentioned criteria, it is also important to take into consideration the bank’s internal policies. IDFC FIRST bank reserves the final right to grant credit cards to the applicant based on its internal assessments. 

Documents Required to Apply for IDFC Bank Credit Card

An applicant must keep the following list of documents handy to proceed with the IDFC bank credit card online application:

  • Identity Proof: Aadhar Card, PAN Card, Voter ID, etc

  • Address Proof: Passport, Ration card, Electricity/Telephone bill, etc

  • Income Proof: Salary slips, bank statements for the past one year, IT Returns Documents, etc

  • 2-3 Passport size coloured photographs for upload

IDFC Bank CC Fees and Charges

The following table lists complete IDFC FIRST bank credit card details regarding joining fees, annual fees, interest rates, and more. Have a look:

Joining Fee

Nil

Annual Fee

Nil 

Rate of Interest on Credit Card

∼ 0.75% per month

Reward Redemption charges

Nil

Foreign Markup Fees

3.5%

International/ Domestic Cash Advance

₹250

Late payment charges

15% of the total amount due (min ₹100 and a maximum of ₹1000)

Card Replacement Fee

₹100

IDFC FIRST Bank Credit Card Rewards Program

IDFC FIRST Bank offers one of the most competitive reward programs in the market. These rewards come at low interest rates and exclusive lifestyle and travel benefits. One of the major highlights of the IDFC bank credit card reward program is the fact that you can avail unlimited reward points that will never expire. This means that you don’t have to redeem your reward points instantly and can save them up to redeem later as per your convenience. Other key highlights of the IDFC bank credit card rewards program are as follows:

  • Get 10x reward points on incremental spends above ₹20,000 per month and transactions done on your birthday

  • Earn 3x and 6x reward points on transactions upto ₹20,000 per month for online and in-store spends

  • No expiry on reward points

  • Make  instant online and in-store purchases by redeeming reward points

  • No fees are charged for redeeming reward points

IDFC FIRST Bank Credit Card Customer Care

The IDFC FIRST bank customer care service is 24x7 available to assist customers with matters related to credit cards, loans, rural banking, NRI banking, and more. The toll-free numbers to reach the customer care executive for each of these financial queries are listed on the official website. In case you have any credit card-related query, you can reach their customer care executive by calling on the credit card toll-free number 1860 500 1111. 

How to Apply for IDFC Credit Card?

IDFC credit cards are currently not available on Finserv MARKET’s website. However, if you wish to opt for IDFC online credit card apply, you can visit IDFC FIRST Bank’s official website. Alternatively, you can also visit your nearest IDFC FIRST bank branch to apply for the process. In case you have a savings account with IDFC FIRST Bank, you can follow the steps below for IDFC FIRST bank credit card online apply:

  • Visit www.idfcFIRSTbank.com

  • Go to Credit Card > Apply Now

  • Enter your full name as mentioned on your Aadhar Card

  • Enter Date of birth and Mobile Number

  • Get OTP and proceed to apply for your desired IDFC FIRST Credit Card

FAQs About IDFC FIRST Bank Credit Cards

  • ✔️How can I get a credit card from IDFC?

    IDFC FIRST bank’s credit card is currently not available on the Finserv MARKETS website. However, you can visit the official bank’s website at www.idfcFIRSTbank.com to choose and apply for your selected credit card. In case you choose to apply via offline mode, you can visit the nearest IDFC FIRST Bank’s branch to apply for a credit card.

  • ✔️Which is the best credit card offered by IDFC?

    IDFC FIRST Bank offers different types of credit cards that are tailor-made to suit all your luxury needs. 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 credit cards that offer a number of features and benefits for your usage. These credit cards also come with elaborate reward programs which you can avail to reap amazing deals and discounts across top brands. To know more about the best credit card offers, visit Finserv MARKETS today and apply for a credit card that best suits your preference!

  • ✔️How to download IDFC credit card statements?

    You can download your IDFC credit card statement via Internet banking or the IDFC FIRST bank’s mobile app. In case you opt for internet banking, you need to log in via your username and password into your IDFC account.  Select the ‘Cards’ option and click on ‘Download statement’ by choosing your credit card type. In case you opt for IDFC FIRST credit card statement download via mobile app, you will need to enter your customer ID to get the verification code. Next, select the ‘Cards’ option and click on ‘download statement’.

  • ✔️Is IDFC FIRST bank credit card good?

    The IDFC FIRST bank credit cards come with a host of benefits that you can avail. The credit cards offer welcome benefits, do not charge any annual fees, and offer exclusive travel and lifestyle privileges. With your IDFC FIRST bank credit card, you can enjoy fuel surcharge waivers across all fuel pumps in India. Moreover, their lifetime free credit cards also offer other privileges such as interest-free cash withdrawals, complimentary roadside assistance, travel insurance cover, monthly discounts on movie tickets, and much more.

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