Low joining and annual fee of Rs. 499
6.5% savings on fuel spends as reward points
IDFC FIRST Credit Card Benefits
Each IDFC Bank Credit Card is designed to offer you different benefits. Some of these general benefits are listed below:
- Lifetime-free Cards
IDFC FIRST Bank offers lifetime-free credit cards, like FIRST Wealth, Select, Millennia and Classic, that do not require any joining or annual fee payments.
- All-round Benefits
While most IDFC cards offer benefits inclined around select categories, you also get basic overall benefits. For instance, FIRST Power+ Credit Card offers accelerated rewards on fuel, but you also get up to 5% back on grocery, utility, and FASTag recharges, among other benefits.
- Incremental Reward Points
Each IDFC FIRST Credit Card offers rewards on online and in-store transactions. But some cards also come with incremental rewards. For instance, FIRST Wealth and Select offer 10X rewards on monthly spends above Rs. 20,000 and on birthday spends.
- Welcome Benefits
All IDFC Credit Cards offer joining or card activation benefits, like e-vouchers of top brands, bonus cashback, discount offers, etc. While some cards offer benefits worth the joining fee, others offer activation benefits even at zero joining fee.
- Lower Fees & Charges
In comparison to other credit cards, IDFC Credit Cards come with lower fees and charges. The interest rate on these cards ranges from 8.5% to 47.88% per annum. Some cards also offer lower interest rate on EMI spends, cash withdrawals, and balance transfers, along with a zero forex mark-up fee.
