IDFC FIRST Bank offers 4 credit cards across various categories which primarily includes lifestyle and rewards. These credit cards are curated specifically to cater to the needs and requirements of their customers. Some of the features IDFC FIRST Credit Cards boast about are an extensive rewards points program along with lower interest rates.
|Card Variant||Annual Fee||Suitable For|
|IDFC FIRST Millenia Credit Card||Lifetime Free||Lifestyle and Rewards|
|IDFC FIRST Classic Credit Card||Lifetime Free||Lifestyle and Rewards|
|IDFC FIRST Select Credit Card||Lifetime Free||Lifestyle and Rewards|
|IDFC FIRST Wealth Credit Card||Lifetime Free||Lifestyle and Rewards|
The IDFC FIRST Bank offers four credit cards which come under the categories of Lifestyle and Rewards. Along with a comprehensive rewards program, these cards also offer benefits such as fuel surcharge waiver, railway lounge access, discounts on movie tickets, and discounts on dining at partner restaurants.
|Type of Charge||Fee|
|Finance charge||0.75% - 3.99% per month|
|Late payment charges||15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000)|
|Cash advance fee||Rs.250|
|Over limit charges||Nil|
|Rewards redemption fee||Nil|
|Return of Cheque||Rs.250 per returned cheque|
|Fee of cash payment||Nil|
|Duplicate statement request||Nil|
|Outstation cheque processing fee||Nil|
|Card replacement fee||Rs.100|
|Cheque pick-up fee||Nil|
|Foreign currency mark-up||1.5% - 3.5%|
|Fuel surcharge||1% of the transaction amount (Waived up to Rs.400 per statement cycle)|
Important – It is essential to know that the fuel surcharge waiver per month will depend on the credit card you hold.
|Address proof (any one)||
|Proof of identity (any one)||
|Income proof for self-employed individuals||
|Income proof for salaried individuals||
You can apply for the IDFC FIRST credit card online on BankBazaar, as well as, on the official IDFC Bank website. On BankBazaar, you can check your eligibility, upload documents, track application status, all under one website!
To apply for the IDFC FIRST Credit Card on BankBazaar, the steps to be followed are:
You can also apply for the IDFC FIRST Credit Card through the official website of the bank. To do so, here are the steps you can follow:
You can track your application status through the BankBazaar website if you have applied on our website. The steps to be followed are:
Step 1: Visit BankBazaar.com and click on ‘Track Application’.
Step 2: Enter your application ID, mobile number, and click on ‘Track Application’.
Step 3: The screen will display the status of your application.
The credit card bill can be paid through offline or online methods. You can opt for any one of these methods to pay your bills online:
Yes, all the IDFC FIRST credit cards are lifetime free and do not have any annual fee or a joining fee.
No, there is no minimum salary required to get a credit card from IDFC FIRST Bank.
Yes, with the cash withdrawal facility of the credit card, you can make cash withdrawals. However, these withdrawals may attract additional charges such as a transaction fee along with added interest of up to 3.99%.
After your application is accepted by the bank, it can take up to 14 working days for the credit card to reach your registered address.
In case of theft or loss of your credit card, you must contact the IDFC FIRST Bank customer care and report it. By doing so, the bank will block your card and within a period of time, dispatch a new card to your address.
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