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Earn up to 10X rewards on meeting specific spending milestones and enjoy other exclusive perks with the IDFC FIRST Bank credit card.
Explore features of IDFC FIRST Bank credit cards—low fees, reward points, lifestyle benefits and interest structures. Scroll down to compare variants, understand eligibility and find the card that aligns with your everyday spending.
Choose a suitable lifetime-free IDFC FIRST Bank credit card that matches your lifestyle needs and earn up to 3X reward points on all UPI payments. Benefit from low interest rates starting from just 9% p.a. and manage your financial requirements. Enjoy exciting welcome benefits, reward points on transactions, and more.
IDFC FIRST Bank offers a range of lifetime-free credit cards that come with zero joining and annual fees. These cards are designed to provide great value through rewarding cashback, milestone vouchers, and fuel surcharge waivers without any recurring cost to the user.
| Credit Card | Joining Fee (Excl. GST) | Annual/Renewal Fee (Excl. GST) | Key Features |
|---|---|---|---|
Nil |
Nil |
₹500 voucher on ₹5,000 spent in 30 days. 5% cashback (max ₹1,000) on first EMI within 30 days. |
|
Nil |
Nil |
1% fuel surcharge waiver up to ₹200/month. 25% off (max ₹100) on Paytm movie tickets monthly. |
|
Nil |
Nil |
₹500 voucher on ₹5,000 spent in 30 days. Reward points never expire. |
|
Nil |
Nil |
10X reward points on eligible spends. 1.5% markup on international purchases. |
|
Nil |
Nil |
FD-backed credit limit; instant approval. Up to 45-day interest-free period. |
Note: The above-mentioned charges are subject to change at the issuer’s discretion.
IDFC FIRST Bank’s fee-based credit cards are created for users looking for expanded privileges, exclusive rewards, and lifestyle benefits.
| Credit Card | Joining Fee (Excl. GST) | Annual/Renewal Fee (Excl. GST) | Key Features |
|---|---|---|---|
₹499 |
₹499 |
Enjoy EaseMyTrip discount coupons worth ₹2,100. Get 10% off (up to ₹100) twice a month on Zomato orders. Flexible EMI options with no processing fees. |
|
₹199 |
₹199 |
Save up to 5% on fuel at authorized fuel stations. Avail 2.5% discount on IDFC FIRST Bank FASTag recharges. Includes purchase and personal accident protection. |
|
₹499 |
₹499 |
25% instant discount (up to ₹100) on movie tickets. Earn 5% cashback (up to ₹1,000) on the first EMI transaction within the first 30 days. Reward points never expire. |
Note: The above-mentioned charges are subject to change at the issuer’s discretion.
Apply easily and get the credit card that best fits your needs!
Check the features of each card to make a well-informed choice as per your usage requirements. Here are some essential points to note:
You can enjoy a number of benefits with this card, which has been crafted to suit different lifestyle needs. Enjoy benefits like:
Get a welcome voucher of ₹500 on spends of at least ₹5,000 within 30 days of issuance
Enjoy a cashback of 5% up to a maximum of ₹1,000 on the first EMI transaction initiated within 30 days of issuance
Get 'Buy One, Get One' offer on purchasing movie tickets via the Paytm mobile app, twice a month
Enjoy discounts of up to 20% at 1,500+ restaurants and offers on 300+ brands
Get up to 2 complimentary domestic airport lounge visits every quarter by spending ₹20,000 monthly
This credit card may be suitable if you want value on transactions and reward points that don't expire. Here is what you get:
Receive a welcome voucher worth ₹500 on purchases of ₹5,000 or more within 30 days of issuance
Get a cashback of 5% of up to ₹1,000 on your first EMI transaction within 30 days of issuance
Earn up to 3X reward points on all UPI spends
Get a Personal Accident Cover of ₹2 Lakhs and Lost Card Liability Cover of ₹25,000
Enjoy a discount of 25% on movie tickets booked on the Paytm mobile app, worth up to ₹100 once a month
This credit card is tailor-made to meet the dynamic needs of millennial users. Here are the benefits:
Earn 10X reward points on all transactions exceeding ₹20,000 every month and on birthdays
Get a 25% discount of up to ₹100 once a month on booking movie tickets through the Paytm mobile app
Enjoy 4 free railway lounge visits per quarter
Get complimentary Roadside Assistance of ₹1,399
Enjoy fuel surcharge waiver of 1% up to ₹200 per month at fuel outlets across India
Benefit from discounts of up to 20% at 1,500+ restaurants and enjoy 300+ merchant offers all around the year
This card comes with premium privileges to offer users an exceptional experience, including:
Get a welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card issuance
Get 3X reward points on all purchases up to ₹20,000 in a statement cycle
Earn 10X reward points on exceeding spends of ₹20,000 in a statement cycle and on your birthday
Enjoy a low forex markup fee of just 1.5% (+GST) on your international spends.
Enjoy 2 free complimentary domestic airport lounge and spa visits along with 2 free complimentary overseas airport lounge visits per quarter on spending over ₹20,000 in a month
Get 'Buy One, Get One' offer on purchasing movie tickets via the Paytm mobile app twice a month
This lifetime-free credit card offers exciting benefits such as:
Instant approval without any credit history
Zero foreign mark-up charges for hassle-free trips
4x rewards on all spends
This revolutionary EMI credit card comes with a host of benefits to enhance your spending experience. These include:
Milestone-based rewards with a chance to get up to 1000 points
Instance discount on lifestyle spends with providers including Zomato, EaseMyTrip, Domino’s, SUGAR Cosmetics, Tata CLiQ, and more
Waiver on annual fees on a successful referral
This fuel credit card lets you enjoy the following perks:
Get 2.5% savings as rewards on grocery & utility expenses and IDFC FIRST FASTag recharge
Save up 5% on fuel expenses
Earn 2X rewards on making transactions through UPI
FIRST Power+ Credit Card offers exclusive travel and fuel benefits. You can:
Save up to 6.5% on your fuel spends
Enjoy 5% savings on IDFC FIRST FASTag recharge
Save enough to buy over 175 litres of fuel
This virtual credit card by IDFC FIRST Bank lets you save while you spend. Here are some of its benefits:
Get 1% cashback on UPI transactions through IDFC FIRST Bank’s mobile app
Book movie tickets on Paytm and enjoy 25% discount (up to ₹100)
Make the most of this secured card as it is backed by an FD that lets you earn up to 7.25% interest annually
Before applying for a credit card, check whether you meet the required parameters set by the bank. Here are some common eligibility criteria set for IDFC FIRST Bank credit cards:
You must be an Indian resident
You need to have a good credit score
You must be at least 18 years old
You must have a stable income and employment
You must qualify the income criteria of the type of card you select
In addition to the eligibility criteria, you must also check the documents required for the application process. Refer to the following table to see some of the common documents you could need:
| Particulars | Documents |
|---|---|
Proof of Identity |
|
Proof of Address |
|
Income Proof |
|
IDFC FIRST Bank credit cards offer a clear and competitive fee structure tailored to different card variants, helping you choose the best option for your spending habits.
| Fee Type | Range (₹) |
|---|---|
Joining Fee |
₹0 to ₹1,500+ |
Annual / Renewal Fee |
₹0 to ₹599 |
Interest Rate |
0.75% to 3.5% per month (9% to 46.2% p.a.) |
Late Payment Fee |
₹100 to ₹1,300 |
Cash Advance Fee |
2.5% of withdrawn amount |
Replacement Card Fee |
₹199 |
You could save significantly with the rewards program of IDFC FIRST Bank credit cards. Earn reward points on every transaction you make using your credit card, whether you opt for online or offline options.
Redeem these points for discounts at select merchant payment transactions. Receive gift cards across various spending categories, such as shopping, dining, travelling, entertainment, and health and wellness.
Here are the steps you need to follow to check your accumulated reward points:
Log in to your net or mobile banking account
Select the ‘Account’ tab and choose the ‘Cards’ option
Click on ‘Credit Card’ to check your reward points
You can apply for an IDFC FIRST Bank credit card online from the comfort of your home. Here are the steps you need to follow to apply for a card:
Click on ‘Check Offer’ on this page
Check your eligibility by entering your profession, mobile number, and date of birth, then accept the terms and click on ‘Check Card Offer’
Complete the verification by entering the One-Time Password (OTP) sent to your registered mobile number
Verify the pre-filled details, including your PAN number, PIN code, email address, and income information
You can contact the customer care team of IDFC FIRST Bank if you have any queries or grievances. Here are the various ways to connect:
Call: Give a call at 1800-10-888
WhatsApp: Send ‘Hi’ on 9555-555-555
You can also connect via the IDFC FIRST Bank mobile app or by visiting the nearest branch.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.
No, you need to pay joining as well as an annual fee for some IDFC FIRST Bank credit cards. You can check the associated fees and charges on the bank's official website.
The minimum income requirement may vary for different credit cards that IDFC FIRST Bank offers. You can confirm the eligibility criteria, including the minimum income requirements, on the official website of the bank.
Yes, you can easily make cash withdrawals at ATMs with your IDFC FIRST Bank credit cards. However, depending on the card you select, you may need to pay a cash advance fee for this facility.
Once you complete the application process, you may receive your credit card within 15 working days.
Yes, many credit cards offered by IDFC FIRST Bank provide fuel surcharge waivers. This could help you save on your fuel purchases.
You can redeem your accrued reward points for discounts at select outlets, gift cards, and more.
You can check your eligibility for the IDFC FIRST Bank credit cards on Bajaj Markets. You can also apply for an IDFC FIRST Bank credit card online on the bank's official website. You can choose from a diverse range of cards based on your usage requirements and the eligibility criteria set by the bank.
IDFC FIRST Bank offers various types of credit cards you can choose from according to your needs and preferences. You can explore various cards such as IDFC FIRST Classic Credit Card, IDFC FIRST Select Credit Card, and IDFC FIRST Wealth Credit Card, among others.
They provide several benefits including merchant offers and reward points across top stores and brands online and offline.
You can download your credit card statement via internet banking on the bank’s website. Another way to download is through the IDFC FIRST Bank mobile app.
IDFC FIRST Bank offers an extensive range of credit cards to cater to various needs. You can get a suitable credit card based on your usage. These cards are tailor-made for different needs and benefits, such as travel, online shopping, etc.
The fees and charges vary for different IDFC FIRST Bank credit cards. Before finalising an option, check the associated charges to make a well-informed choice. These charges include joining fees, annual fees, cash advance fees, interest rates, etc.
The reward points you earn on IDFC FIRST Bank credit cards do not expire. This way, you can accumulate as many points as you like and eliminate the stress of using them before the expiration date.
IDFC FIRST Bank credit cards offer reward points like 10X points on spends above ₹20,000 per month and 3X points below that, with no expiry on points.
Yes, IDFC FIRST Bank offers multiple lifetime-free credit cards with no joining or annual fees, such as the FIRST Classic and FIRST Wow! credit cards. These cards come with benefits like fuel surcharge waivers, complimentary domestic and international lounge access, cashback offers, and exclusive dining and entertainment discounts. They allow users to enjoy premium features without worrying about recurring fees, making them attractive for regular card users.
IDFC FIRST Bank credit cards support digital payment benefits including FASTag-linked transactions. Cardholders can enjoy fuel surcharge waivers and cashback on FASTag toll payments. Additionally, benefits extend to enhanced convenience and security for UPI-linked payments via their credit cards. These integrations encourage seamless digital transactions across platforms.
No, the reward points you earn on IDFC FIRST Bank credit cards do not expire. This allows you the flexibility to accumulate points over time and redeem them according to your convenience, making long-term use of the card more rewarding.
Yes, IDFC FIRST Bank credit cards offer the facility to convert large purchases into easy monthly installments (EMI). This feature helps cardholders manage high-value expenses by spreading payments over a chosen tenure, subject to terms and eligibility criteria, thereby enhancing affordability.
The typical billing cycle for IDFC FIRST Bank credit cards is approximately 30 days. However, cycle length and statement dates may vary based on the card variant and individual account details. It's advisable to check the exact billing cycle dates through your credit card statement or net banking portal.
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