IDFC First Bank Credit Card

Below is the list of 10 popular IDFC FIRST Bank credit cards:

Below are some of the best IDFC credit card benefits:

• Instant approval and seamless application online.
• Flexible repayment options.
• Dynamic and low interest rates starting at just 8.5% p.a. (0.71% p.m.).
• The advantages of IDFC Bank credit cards extend to discounts/cashback on your favourite brands, fuel surcharge waivers at petrol pumps across the country, and complimentary lounge access at airports and railway stations in India.
• Exclusive merchant discounts and offers on shopping, dining, and travel.
• IDFC First Bank offers various lifetime free credit cards that involve zero annual and joining fees.
• IDFC FIRST credit cards offer reward points that do not expire.
• IDFC FIRST Bank credit cards offer accelerated rewards on some categories, birthdays, and meeting the monthly threshold spending of ₹20,000 or more. 
• You can buy anything within your credit limit and pay later by converting the total amount of your purchases into low-cost EMIs.
• Some credit cards allow you to withdraw money up to a certain limit during an emergency, with no interest charged for up to 45 days. 
• IDFC credit cards offer personal accident coverage and comprehensive travel insurance coverage.
• Credit cards also help you improve your credit score if you make timely payments.
• You can apply for IDFC First cards and check your IDFC credit card status online. 

The charges for IDFC First Bank credit cards vary by variant. Below is the IDFC credit card list of ranges of various charges:

• Joining & annual fees: ₹0 to ₹50,000.
• Add-on card joining & annual fees: ₹0 to ₹4,000.
• Interest rate on purchases, cash advances & outstanding balances due: 0.71% to 3.85% p.m. (8.5% to 46.2% p.a.).
• Overdue interest: 3.99% p.m. (47.88% p.a.).
• Cash advance transaction fee: ₹199.
• Late payment charges: Up to 15% of the total amount due as of the previous statement, minus any payments received before the due date.
• Over-limit charges: Up to 2.5% of the over-limit amount.
• Return of cheque/ auto-debit SI/ payment return: 2% of the payment amount (minimum ₹500).
• Reward redemption fee: ₹99 per redemption transaction.
• Card replacement fee: ₹0 to ₹4,000.
• Balance transfer processing fee: To be communicated at the time of the transaction.
• Markup charges for foreign currency transactions: 0% to 3.50%.
• Rent & property management fee: 1% of transaction value (minimum ₹249) per transaction.
• Fair usage on utility spends: 1% on total utility spends exceeding ₹20,000/ ₹50,000 in a statement cycle.
• Fuel fee: 1% on total fuel spends exceeding ₹30,000 in a statement cycle.
• Passenger railways transaction fee: 1% on total passenger railway spends exceeding ₹25,000 in a statement cycle.
• Tolls & bridges transaction fee: 1% on total tolls & bridges spends exceeding ₹10,000 in a statement cycle.
• Education payment fee: 1% on education spends made through third-party apps (minimum ₹249 per transaction).
• Goods & Service Tax (GST): Presently, 18% GST is applicable on all fees, interest & other charges.

Below are the common eligibility criteria of IDFC FIRST Bank credit cards:

• Age: Minimum 18 years or older.
• Income: Stable income, specific minimum varies by card.
• Employment status: Regular employment/ steady income source.
• Credit history: Applicant must have a healthy credit score with no history of loan defaults or missed payments on loans/ credit cards.
• Banking relationship: Not mandatory, but may improve approval chances.
• Citizenship: Residents of India with their current & permanent residential address in India are eligible.
• Location: The bank maintains a list of cities allowed for sourcing cards.
• Credit usage ratio: Your credit usage ratio must be within an acceptable level.
• Internal check: 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.

If you want an IDFC FIRST Bank 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

You can apply for the IDFC FIRST Bank Credit Card from the official website of the bank by following the steps below:

• Open the IDFC FIRST Credit Card page and select your preferred card.
• Click on the ‘Apply Now’ button.
• Enter your name and date of birth according to your Aadhaar Card.
• Then enter your 10-digit mobile number.
• Click on the ‘Get OTP’ button.
• Enter the OTP you will get on your registered mobile number.
• You will receive a call from the bank’s representative shortly regarding taking the application process further.
• Alternatively, you can also apply for an IDFC First credit card from our website or by visiting the nearest IDFC FIRST Bank branch.

Below are multiple ways to get in touch with the IDFC FIRST Bank credit card customer care team:

• 24/7 helpline number: 1800 10 888.
• WhatsApp service: Drop a "Hi" on 9555 555 555 and the bank’s representative will get back to you instantly.
• If you need assistance while travelling abroad, call on: +91 22 6248 5152.