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IDFC FIRST Credit Card Detail

Card NameJoining & Annual FeeType of Card
IDFC FIRST Classic Credit CardNilRewards and Discounts
IDFC FIRST Millennia Credit CardNilRewards and Lifestyle
IDFC FIRST Select Credit CardNilTravel and Rewards
IDFC FIRST Wealth Credit CardNilLifestyle and Travel 
IDFC FIRST WOW Credit CardNilRewards and Savings

IDFC FIRST Credit Card Features & Benefits

Following are the key IDFC credit card features and benefits:

  • No annual and joining fees as these all are IDFC lifetime free credit cards.
  • Low rates of interest starting from 9% p.a. 
  • 10X reward points on incremental spends of more than Rs. 20,000 per month and also on spends done on your birthday.
  • 6X and 3X reward points on online and offline purchases, respectively, for spending up to Rs. 20,000 per month.
  • Redeem accumulated reward points anytime, anywhere, as they don’t have any expiry date.
  • Interest-free ATM cash withdrawal for up to 48 days.
  • You can easily opt for an IDFC FIRST Bank credit card apply online facility.
  • Save up to Rs. 10,400 annually.

Types of IDFC FIRST Credit Cards

Following are the different IDFC credit card types offered by IDFC FIRST credit card:

IDFC FIRST Classic Credit Card

  • Joining fee & annual fee: IDFC FIRST Classic credit card is a lifetime free credit card.
  • Suitable for: Rewards and savings.
  • Savings: Most customers save Rs. 7,600 annually.
  • Welcome benefits: IDFC Classic credit card offers voucher worth Rs. 500 on spending equal to or above Rs. 15,000 within 90 days of card issuance.
  • EMI conversion facility: Convert transactions above Rs. 2,500 into EMIs. 
  • Interest-free cash withdrawals: Applicable on domestic and international ATMs for up to 48 days.
  • Interest Rates (APR): 0.75% to 3.5% per month (9% to 42% per annum).
  • Evergreen reward points: Earn unlimited reward points that never expire with IDFC FIRST Bank credit cards.

IDFC FIRST Millennia Credit Card

  • Lifetime free: IDFC Millennia credit card comes with zero joining fee & annual fee.
  • Suitable for: Rewards and cashback.
  • EMI conversion facility: Available on transactions above Rs. 2,500. 
  • Interest Rates (APR): 0.75% to 3.5% per month (9% to 42% per annum).
  • Welcome gift: This IDFC Bank credit card offers voucher worth Rs. 500 on spending Rs. 15,000 or above within 90 days of card issuance.
  • Evergreen reward points: This IDFC FIRST Bank credit card offers 10X reward points on incremental spends of more than Rs. 20,000 per month and also on spends done on your birthday. 6X and 3X reward points on online and offline purchases, respectively, for spending up to Rs. 20,000 per month.
  • Cashback: 5% cashback (maximum up to Rs. 1,000) on the transaction value of the first EMI done within 90 days of the IDFC FIRST Millennia credit card generation.
  • Lounge access: 4 complimentary railway lounge visits each quarter.

IDFC FIRST Select Credit Card

  • Joining fee & annual fee: Nil. IDFC FIRST Select credit card is a lifetime free card.
  • Suitable for: Rewards on all online and in-store transactions.
  • Savings: Most customers save Rs. 10,400 annually.
  • Movie offer: Buy one get one offer on movie tickets on Paytm mobile app.
  • Lounge visits: IDFC Select credit card offers 4 complimentary lounge visits at domestic airports and 4 complimentary railway lounge visits per quarter.
  • Evergreen reward points:
    • 10X reward points on incremental spends of more than Rs. 25,000 per month and also on spends made on your birthday.
    • 6X reward points on online spending up to Rs. 25,000 per month.
    • 3X reward points on offline spending up to Rs. 25,000 per month.

IDFC FIRST Wealth Credit Card

  • Joining fee & annual fees: Nil as IDFC Wealth credit card is a lifetime free card.  
  • Suitable for: Airport & railway lounge access and rewards.
  • Savings: Most customers save Rs. 18,100 yearly with IDFC FIRST Wealth Credit Card.
  • Best in class forex markup: Only 1.5%.
  • Movie ticket offer: Buy 1 get 1 offer on movie tickets on Paytm mobile app.
  • Insurance cover: You get comprehensive Travel Insurance and Air Accident coverage with the IDFC FIRST Wealth credit card.
  • Lounge visits: 4 complimentary domestic and international airport lounge and spa visits per quarter and 4 complimentary railway lounge visits per quarter.
  • Evergreen reward points: 10X reward points on incremental spends of more than Rs. 30,000 per month and also on spends done on your birthday. 6X and 3X reward points on online and offline purchases, respectively, for spending up to Rs. 30,000 per month.

IDFC FIRST WOW Credit Card

  • It is free for a lifetime deposit-backed premium credit card suitable for rewards.
  • You can avail of this IDFC credit card pre approved online.
  • No credit score check and documentation are required for application.
  • Earn 4X reward points on all your spending and 6.25% interest p.a. on Fixed Deposit (FD).
  • This IDFC credit card offers best-in-class 100% cash withdrawal of your FD’s value while enjoying uninterrupted interest on the same.
  • Best-in-industry credit limit of a minimum of 100% of your FD value.
  • Travel the world with zero Forex Mark-up fee.
  • Low interest rates starting from 9% p.a. on carry-over balances.
  • 4X reward points on all your spends and 6.25% interest p.a. on FD
  • 5% cashback on the first EMI done within 90 days.
  • To avail of this IDFC Bank credit card apply online for instant approval.

IDFC FIRST Credit Card Fees & Charges

Following are the fees and charges associated with IDFC cards:

  • Joining fee: Nil.
  • Annual fee: Nil.
  • Add-on card fee: Nil.
  • Interest rate (APR): 0.75% to 3.5% per month (9% to 42% per annum).
  • Cash advance fee - transaction fee: Rs. 250 per transaction.
  • FIRST Private Credit Card/ IDFC Metal credit card: Rs. 50,000.
  • Late payment charges: 15% of the total amount due, minimum Rs. 100 and maximum Rs. 1,250.
  • Over-limit charges: 2.5% of the over-limit amount, minimum Rs. 500.
  • Overdue interest: 3.99% per month (47.88% per annum).
  • Forex markup: 1.5% for all international transactions.
  • Return of auto-debit/ cheque/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return.
  • Card replacement fee: Rs. 100.
  • Image personalisation fee: Rs. 499.
  • Reward redemption fee: Rs. 99 per redemption transaction, effective from 01.10.2022.
  • EMI fees: 1% of the transaction value, minimum Rs. 99.
  • Goods & Service Tax (GST): GST, as notified by the Government of India, is applicable on all the charges mentioned above.

IDFC FIRST Credit Card Eligibility

Applicants must meet the below-mentioned eligibility criteria for the IDFC free credit card:

  • Applicant should be aged between 21 to 65 years to apply for the IDFC FIRST Credit Card.
  • The net monthly income varies for different credit card variants offered by the bank. The minimum income requirement is Rs. 25,000 per month. 
  • Residents of India who have their current and permanent residential address within India are eligible.
  • The bank maintains a list of cities allowed for sourcing cards.
  • Applicant must have a healthy credit score without any history of defaulting on any loans or missing payments on loans/ credit cards.
  • Your credit usage ratio must be within an acceptable level.
  • IDFC FIRST Bank conducts certain internal policy criteria to choose customers for credit card issuance. IDFC’s internal policy criteria are based on the applicant’s credit history, relationship with the bank, demographics, and credit exposure. The final decision on card approval will be at the sole discretion of the bank, according to the mentioned internal policies.

IDFC FIRST Credit Card Documents Required

If you want IDFC credit card apply by submitting the following documents along with the duly filled and signed application form:

  • Proof of address: Passport/ Aadhaar Card/ Voter ID/ Ration Card
  • Proof of identity: Passport/ Aadhaar Card/ Driving License
  • Proof of income: Form 16, Income Tax Returns, and Salary Slip

How to Apply for IDFC FIRST Credit Cards Online

If you wish to avail of IDFC credit card apply online from the bank’s website by following the steps mentioned below:

  • Open the IDFC FIRST Credit Card page for IDFC credit card apply online lifetime free card.
  • Select the preferred credit card option and open the page. 
  • Click on the ‘Apply Now’ button.
  • Enter your name and date of birth as per your Aadhaar Card.
  • Enter your mobile number.
  • Click on the ‘Get OTP’ button.
  • Enter the OTP received on your mobile phone.
  • You will soon receive a call from the bank’s representative regarding taking the application process ahead.
  • Alternatively, you can also apply IDFC credit card online through our website or offline by visiting the nearby IDFC FIRST Bank branch.

How to Pay IDFC FIRST Credit Card Bill? 

Paying your IDFC FIRST credit card bill online is easy as the IDFC FIRST credit card offers the following multiple ways to clear your credit card bill payment.

  • Payment through Net Banking/Debit Card: You can make credit card bill payments through a debit card or net banking using your preferred bank account through net banking or using your IDFC FIRST Bank debit card details. Just go to Credit Card, then pay your credit card bill after logging in to Internet Banking. You can also register for an auto-debit instruction on your IDFC FIRST Bank account to enable ‘Autopay future bills’
  • UPI Payments: For instant credit card payment through UPI, just open a UPI-enabled banking app or BHIM app and follow the simple steps mentioned below:
    • Go to UPI section > Send Money
    • Enter ‘<your 16-digit card number>.cc@idfcbank’ as UPI ID
  • IMPS/NEFT Payments: Make your IDFC FIRST credit card bill payment with the Fund transfer option via IMPS/NEFT and using the below-mentioned Payee/Beneficiary details:
    • Payee Name: Name as mentioned on your IDFC FIRST Credit Card.
    • Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number.
    • Bank Name: IDFC FIRST Bank
    • IFSC Code: IDFB0010225
  • Other Payment Options: In addition to the above-mentioned online credit card payment options, you also can pay your IDFC FIRST credit card bills through offline mode like Cash Deposit at the nearest IDFC FIRST Bank branch or dropping a Cheque at nearby IDFC FIRST Bank branch/ATM 

You can visit https://www.idfcfirstbank.com/personal-banking/payments/cc-bill-payment to choose your preferred credit card bill payment option and pay your bill instantly.

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IDFC First Bank Credit Card FAQs

Is there a joining, annual or membership fee for IDFC FIRST Bank Credit Cards?

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No, there is no joining, annual or membership fee applicable on IDFC FIRST Bank Credit Cards.

What are the current offers on IDFC FIRST Bank credit cards?

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Some of the offers on IDFC FIRST Bank Bank Credit Cards are listed below:

  • Lifestyle benefits: Discounts on shopping, dining, movies, complimentary round of golf every month, etc.
  • Travel benefits: Complimentary airport and railway lounge access each quarter.
  • Other benefits: Various in-app online discounts, offers on health and wellness outlets, etc.

Is there an expiry date for the reward points earned on IDFC FIRST cards?

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No, there is no expiry date for the reward points accrued on IDFC FIRST Bank Credit Card.

How can I generate my credit card PIN?

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You can generate your IDFC card PIN online via Net Banking or Mobile Banking App or offline by calling the Customer Care number of the bank.

How can I apply for IDFC FIRST credit card?

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If you want to avail of IDFC FIRST Bank credit card apply online through the bank’s website, mobile app or our online lending portal.