IDFC FIRST Bank Premium Credit Cards

IDFC FIRST Bank offers a range of credit cards primarily focused on lifestyle and rewards. These cards are designed to cater to diverse customer needs, providing notable benefits such as a robust rewards program and competitive interest rates. The bank has recently introduced over five premium credit cards across various categories.

 

Exclusive benefits include substantial cashback, generous reward points, and zero forex markup. The bank also offers a premium secured credit card, enabling cardholders to enjoy high-end privileges while earning interest on their Fixed Deposit (FD).

Some of the best IDFC FIRST Bank premium credit cards in India are:

• IDFC Mayura 

• IDFC Ashva 

• Club Vistara IDFC FIRST

• IDFC FIRST Wealth 

• IDFC FIRST WOW! 

 

Some of the exclusive features and benefits you will get from these credit cards are:

 

IDFC FIRST Mayura Credit Card

• Get ₹1,000 cashback on transactions over ₹1,000, up to 4 times, within 60 days

• Zero forex exchange markup on international transaction

• 5X reward points on spending below ₹20,000 and 10X for spending above ₹20,000

• Complementary lounge and spa access for overseas and domestic travels

• Cancel flights and hotels twice a year and get up to ₹50,000 reimbursement

 

IDFC FIRST Ashva Credit Card

• Get ₹500 cashback on transactions over ₹500, up to 4 times

• 1% forex markup

• Earn 5X reward points on spends below ₹20,000 and 10X on spends above ₹20,000

• Airport and railway lounge access

• Receive compensation of up to ₹25,000 twice a year for non-refundable flight and hotel cancellations

 

IDFC FIRST Private Credit Card

• Complementary membership of Club ITC Culinaire Select and Accor Plus Explorer, offering benefits for hotel stays

• Free unlimited access to domestic and international airport lounges

• Taj Experiences Signature Dining Voucher on spending ₹15 Lakhs within the initial 6 months of joining

• Travel insurance for coverage up to ₹1 Crore for trip cancellations, baggage loss, and flight accidents

• 25% bonus Reward Points when donating to charity

 

IDFC FIRST Select Credit Card

• Complimentary airport lounge access

• Low forex markup fee of 1.99%

• Free trip cancellation cover of up to ₹10,000

• Instant EMI conversion for online transactions over ₹2,500

• Low interest rates starting at 8.5% per annum

• Interest-free cash withdrawals for up to 45 days

 

IDFC FIRST Wealth Credit Card

• ₹500 gift voucher from your favourite brands

• Up to ₹1,000 cashback on your first EMI transaction

• Low forex markup at just 1.5%

• 2 complimentary airport lounge privileges

• Free trip cancellation cover of up to ₹10,000

• Interest-free cash withdrawals

Enjoy the premium offers with a wide range of fees and charges. Check them out to find your perfect match:

 

To apply for an IDFC FIRST Bank premium credit card, you need to fulfil the general requirements along with some specific requirements based on the card:

 

General Requirements

• Age: Minimum 18 years old

• Nationality: Must be an Indian resident or NRI

• Income: Should have a regular income (salaried or self-employed)

• Credit Score: A score of 750+ improves approval chances

• Credit Utilisation Ratio: Should be below 30% if you already have a credit card

 

Specific Requirements

• To apply for the IDFC FIRST Wealth Credit Card, your annual income should be ₹36 Lakhs or more 

• To apply for the IDFC FIRST WOW! Credit Card: You need to set up a minimum FD of ₹20,000 when applying for a credit card online

Here are the documents you need to apply for an IDFC FIRST Bank premium credit card:

• Proof of Identity (Any one): PAN card/Aadhaar card/Voter ID/Passport/Driving licence

• Proof of Address (Any one): Aadhaar card/Passport/Utility bills (not older than 3 months)/Ration card/Registered rent agreement

 

Proof of Income for Salaried Individuals

• Latest salary slips (last 3 months)

• Bank statements showing salary credits (last 3 months)

• Employment letter or salary certificate (if required)

 

Proof of Income for Self-Employed Individuals

• Latest income tax returns with income computation

• Profit & loss account and balance sheet (last 2 years, certified by a CA)

• Bank statements (last 6 months – personal and business)

 

Additional Documents

• Credit report

• Recent passport-sized photographs

You can apply for an IDFC FIRST premium credit card on the bank’s official website by following these steps:

1. Go to the IDFC FIRST Bank website

2. Browse to the ‘Personal’ tab at the top of the page

3. Select the ‘Credit Card’ option

4. Click on ‘Apply now’

5. Enter simple details like your name, date of birth, and mobile number as per your Aadhaar card

6. Click on ‘Get OTP’ and enter the OTP to continue

7. After submitting further details and choosing a card, a bank representative will contact you for the next steps