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IDFC FIRST Credit Card

IDFC FIRST Bank offers credit cards with benefits mostly focused on lifestyle and rewards. All of IDFC FIRST Bank credit cards are lifetime-free and feature lower interest rates. The reward points earned on these cards never expire allowing the users to get maximum advantage. The eligibility criteria for IDFC credit cards are also comparatively relaxed. Here is all you need to know about IDFC FIRST credit cards, their features, fees and charges.

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Features and Benefits of IDFC FIRST Bank Credit Cards

Each IDFC Bank credit card is designed to offer you different benefits. However, some common benefits that are offered on almost all credit cards are mentioned below:

Lifetime Free: IDFC FIRST Bank offers credit cards with no joining and annual fees. You can earn privileges like reward points, cashback, fuel benefits, dining benefits and much more without any charges. You can get any of these credit cards as per the eligibility and your requirement.

Reward Points: With each credit card, you can earn reward points on your expenses. These reward points can be earned on multiple categories, including shopping, travelling, dining and more. However, the rewards rate offered on these cards depends on the variant of your credit card. You can redeem these reward points against your online and in-store purchases.

Welcome Benefits: All IDFC credit cards offer you welcome benefits without any joining fee. You will get free e-vouchers of top brands and additional cashback on your first EMI spend. The welcome benefits offered on these credit cards are decent given the fact that they are zero-annual fee credit cards.

Fuel Surcharge Waiver: You can save on your fuel expenses with IDFC FIRST Bank credit cards. Each card offers a fuel surcharge waiver on your transactions across all the petrol pumps in the country. However, the maximum capping on the fuel surcharge waiver depends on the variant of your credit card.

Fees and Charges

The fees and charges associated with IDFC FIRST Credit Cards is as follows:

Fee TypeAmount
Joining FeeNil
Finance Charges0.75% to 3.5% p.m. | 9% to 42% p.a.
Late Payment Charges15% of the total amount due (subject to a minimum of Rs.100 and a maximum of Rs. 1,250)
Foreign currency (Mark Up)
IDFC FIRST Select Credit Card1.99%
IDFC FIRST Millennia Credit Card3.5%
IDFC FIRST Classic Credit Card3.5%
IDFC FIRST Wealth Credit Card1.5%
See More Swipe to see more table data

Please refer to the terms and conditions for card variants separately. For other fees & charges, terms and conditions related to IDFC FIRST Credit Cards, click here.

Eligibility and Documentation

To be eligible for an IDFC FIRST Credit Card, you must meet the basic eligibility criteria set by the bank as shown below:

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Applicant must be 21 years or above to apply for IDFC FIRST Credit Cards

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To apply for IDFC FIRST Credit Cards you must be a salaried individual

Apply for the Best Credit Card Online

Currently, IDFC FIRST Bank is not a Paisabazaar partner so you cannot apply for IDFC FIRST cards directly via Paisabazaar. However, you may follow the steps given below to find out the best credit cards from other issuers:

  1. Enter your mobile number to start with the application process.

  2. Enter the OTP received on your mobile number to check the pre-approved credit card offers.

  3. Choose the best credit card from the given options that suits your requirements.

  4. Apply for the suitable credit card and provide documents for further processing of the application.

Frequently Asked Questions

Yes, currently all the IDFC FIRST credit cards are lifetime free and come with zero annual and joining fee. However, the same may change as per bank's discretion.

Yes, customers can avail airport lounge access facility with their IDFC FIRST Select and Wealth Credit Cards. IDFC FIRST Select credit card offers 4 complimentary domestic airport lounge visits while IDFC FIRST Wealth Credit Card offers 4 complimentary national and international airport lounge visits per quarter. These two cards can be a very suitable option for people travelling regularly.

Yes, you are eligible for all IDFC FIRST Credit Cards as the minimum salary requirement for all the cards is Rs. 25,000 per month. However, the bank may take other factors such as your credit score and credit history into consideration before approving your credit card application.

Yes, all IDFC FIRST Credit cards offer 1% fuel surcahrge waiver to their customers. IDFC FIRST Millennia and Classic credit cards offer waiver up to Rs. 200 per satement cycle. IDFC FIRST Select credit card offers waiver up to Rs. 300 per statement cycle and IDFC FIRST Wealth Credit Card offers a fuel surcharge waiver of up to Rs. 400 per statement cycle.

You can instantly use your rewards points to pay for online purchases or in-store purchases by selecting the 'pay with points' option. You may also use your reward points to get great deals at idfcfirstrewards.poshvine.com.

Once the bank approves your credit card application, it may take up to 14-20 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 immediately. The representative will block your credit card to save you from any kind of fraud.

You can block your credit card through online and offline modes. To block your card online, you can log in to the net banking portal or mobile app using your credentials. You can also send an SMS; CCBLOCK (Last 4 digits of Credit Card number) to 5676732, to block your card. Besides this, you can contact customer care of the bank and ask the representative to block your card. The representative will ask a few questions for confirmation and process your request.

Your statement will be sent to your registered email address as soon as it is created. The statement will include information about all of your credit and debit transactions for the billing cycle, as well as a breakdown of your reward points, as well as information about your due date, total amount due, and minimum amount due for the particular billing cycle. You can also use the bank's credit card application to view your Credit Card statement.

You can check your IDFC FIRST Bank credit card application status by tracking your credit card application online. To track the application you will need details such as your date of birth and mobile number or your application number.

The credit card limit offered on IDFC FIRST credit card is decided by the bank after scrutinizing your application form. The bank decides your credit limit based on your income, credit score, repayment history and more. Therefore, you will get to know about your credit limit only after applying for the credit card.

In order to use your credit card, you are required to activate it by setting the PIN. You can generate the PIN by logging in to the mobile app. All you need to do is click on the ‘Set PIN’ option under the ‘ Manage Card’ section. Apart from this, you can also contact customer care of the bank and follow the instructions given by the IVR to activate your card.

Yes, if you have blocked your credit card, then you can unblock it through mobile banking, net banking or contacting customer care of the bank. However, it is advisable to block your card if you have lost it to protect yourself from any fraud.

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