Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IDFC FIRST Bank Credit Card

    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.

    Top IDFC FIRST Credit Cards

    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

    Key Features of IDFC FIRST Credit Cards

    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.

    IDFC FIRST Rewards Credit Cards

    IDFC FIRST Millenia Credit Card

    • 10x reward points on all spends above Rs.20,000.
    • 6x reward points on online spends.
    • 25% discount on movie tickets per month.
    • Personal Accident Cover of Rs.2 lakh.

    IDFC FIRST Classic Credit Card

    • 3x reward points on offline spends.
    • 10x reward points on all spends above Rs.20,000
    • 25% discount on movie tickets per month.
    • Fuel surcharge waiver of 1% at all fuel stations.
    • 4 complimentary railway lounge visits per quarter.

    IDFC FIRST Lifestyle Credit Cards

    IDFC FIRST Select Credit Card

    • 10x reward points on birthday spends.
    • 4 Complimentary visits to domestic airport lounges.
    • Complimentary Personal Accident Cover of Rs.2 lakh.
    • A discount of up to 25% on movie tickets per month.

    IDFC FIRST Wealth Credit Card

    • 10x reward points on birthday spends.
    • Buy one get one movie ticket offer per month.
    • Complimentary rounds of golf.
    • 4 complimentary visits to domestic and international airport lounge visits.

    Key Benefits of IDFC FIRST Credit Cards

    • Interest – free cash withdrawal: With the IDFC FIRST credit card, you can withdraw cash from an ATM and not attract any interest for up to 48 days. This will be applicable for all the credit cards by the IDFC FIRST Bank.
    • Lower interest rates: IDFC FIRST Bank boasts of having among the lowest interest rates on their credit cards. Starting from 0.75% per month or 9% annually, the rate of interest can go up to 3.99% per month which is lower than many other credit cards by other banks.
    • Welcome benefits: With every credit card of IDFC FIRST Bank, receive welcome benefits of a gift voucher on spending Rs.15,000 within the first 90 days of card issuance.
    • Cashback benefits: 5% cashback given on your first EMI transaction with your IDFC FIRST Bank credit card done within the first 90 days of card issuance.
    • Insurance benefits: Get a Personal Accident Cover of up to Rs.10 lakh with your IFDC FIRST Bank credit card and a complimentary Lost Card Liability Cover of up to Rs.50,000.
    • Vehicle Benefits: IDFC FIRST credit cards come with a complimentary Road Side Assistance worth Rs.1,399.

    IDFC FIRST Credit Card Fees and Charges

    Type of Charge Fee
    Annual fee Nil
    Finance charge 0.75% - 3.99% per month
    Joining fee Nil
    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
    Chargeslip request Nil
    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.

    Eligibility Criteria and Documents Required for IDFC FIRST Credit Cards

    Address proof (any one)
    • Telephone bill
    • Aadhaar card
    • Electricity bill
    • Rental agreement
    • Passport
    • Ration card
    Proof of identity (any one)
    • Voter's ID card
    • Passport
    • Ration card
    • Aadhaar card
    • Driving license
    • PAN card
    Income proof for self-employed individuals
    • Audit proof, balance sheet, or loss statement
    • Business financial statements
    • Latest Income Tax Returns (ITR)
    Income proof for salaried individuals
    • Latest salary slip
    • Salary certificate
    • Employment letter

    How to Apply for IDFC FIRST Credit Cards Online

    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:

    • Visit BankBazaar IDFC First Credit Card Section.
    • Opt for a credit card which suits your spending pattern.
    • Click on the tab ‘Check Eligibility’.
    • Fill in the required details which are required on the page.
    • Once done, you will be redirected to an application page.
    • Fill in all the details as required and click on ‘Submit’.
    • Upload the documents as mentioned on the application and click ‘Submit’.
    • After you have successfully provided all the required information, you will receive a message with your application ID.

    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:

    • Visit the website of IDFC FIRST Bank.
    • Click on the option of ‘personal banking’.
    • Choose the tab called ‘Cards’.
    • Click on ‘credit cards’.
    • Select the option of ‘apply’ on the credit card page.
    • Once done, enter your primary details.
    • A representative of the bank will get in touch with you regarding the next steps to be followed.

    How to Track your Application Status

    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.

    IDFC FIRST Credit Card Bill Payment

    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:

    • NetBanking: You can pay your credit card bill through the netbanking facility of the bank from the website or the mobile application.
    • NEFT/IMPS: If you do not have a netbanking account, you can transfer the bill amount to the bank through the NEFT or IMPS facility.
    • Cheque: Apart from these options, you can also opt to pay your credit card bills with a cheque and drop it at any branch of the IDFC FIRST Bank.
    • Auto-debit facility: You can also make use of the auto-debit facility where the bill amount gets deducted from the bank account of the cardholder automatically.
    • UPI: With many people using the UPI system to pay their bills, you can also use the UPI code-based interface and pay your bills.

    Offline Bill Payment

    • ATM: You can use the IDFC FIRST Bank ATMs to deposit your bill amount with your card.
    • Bank branch: Apart from this, you can also visit any branch of the IDFC FIRST Bank and deposit your bill amount.

    IDFC FIRST Credit Card FAQs

    1. Are all IDFC FIRST Credit Cards free?

      Yes, all the IDFC FIRST credit cards are lifetime free and do not have any annual fee or a joining fee.

    2. Is there a minimum salary required for the IDFC FIRST Credit Card?

      No, there is no minimum salary required to get a credit card from IDFC FIRST Bank.

    3. Can I use the IDFC FIRST Credit Card to make cash withdrawals?

      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%.

    4. How many days does it take to get the IDFC FIRST Credit Card?

      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.

    5. What can I do if my credit card is stolen?

      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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