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IDFC First Bank Announced the launch of FIRST Private infinite, the country’s First-Ever standalone metal debit card, In Partnership with visa, the global leader in digital payments.
Joining Benefits
with IDFC FIRST Select Credit Card, You get the Following welcome benefits-
- Gift Voucher worth ₹500 on spending ₹15,000 Within 90 Days of card set-up.
- 5% Cashback on your First EMI Trans made within 90 Days of card Setup.
Up to 10X Reward points on your purchase
The reward rate is 3% which can be considered good, and also the reward points come with no expiry date and Relatively easy Redemption options.
You will Get-
- 3X Reward points on all Online Purchase
- 6X Reward points on all Online Purchase
- 10X Reward Point On your Birthday
- 10X Reward point on Incremental Purchases greater than ₹20,000 Per Billing Cycle.
- 1X= 1 Reward point per ₹100 spent
- 1 Reward Point= ₹0.25
- Reward points earning and the 10X Threshold are not applicable for fuel, EMI, Insurance Transactions, and Cash Withdrawals.
Benefits of IDFC First Credit Card
- There is no extra charge for redeeming the reward points.
- No, Over limit fee is chargeable on IDFC First Bank Credit Card.
- All the cards are lifetime Free.
- IDFC Credit Card interest rate starts from 0.75% Per Month or 9% Per Annum.
- The foreign mark-up fee is 3.5% on all Cards.
- There is no limit to earning reward points
- Enjoy free visits to the railway lounges through this credit card.
IDFC First Classic Credit Card
- Earn 10X Reward points on all the transactions that are above ₹20,000 and on your birthday
- Get 4 Free visits per quarter to the railway lounges through the IDFC First Bank Credit card.
- Get Free roadside assistance of ₹1399.
- Enjoy personal accident cover of ₹2,00,000.
- Get a fuel surcharge waiver of up to ₹200 every month.
IDFC First Select Credit Card
- Get Flat 5% Cashback on your First EMI Converted within 90 Days from the card set-up date.
- Earn 6X And 3X reward points online and offline Spend Respectively.
- Enjoy the buy one get one free offer on movie tickets of up to ₹250 Per Twice a Month.
- You can enjoy a fuel surcharge waiver of up to ₹300 per month.
- Get personal accident cover of ₹5,00,000 and lost card liability cover of ₹50,000.
- Have free roadside assistance of ₹1399.
- Enjoy a 20% discount at 1500 more Restaurants and a 15% discount at over 3000 Health and wellness outlets.
- Get comprehensive travel insurance over ₹22,500.
IDFC First Wealth Credit Card
- Earn 1X Reward point for every ₹100 Spent.
- For all offline spending earn 3X Reward points
- For all online Spends Eran 6X Reward Point
- 10X Reward points on all spending done on your Birthday.
- Avail 10X Reward points on all Spends Above ₹20,000.
- Get a Personal Accident Cover of ₹10,00,000.
- Get a comprehensive travel insurance cover of $1200
- Get 5% Cashback on your first EMI Converted within 90 Days from the card set-up date.
IDFC First Bank Credit Card Fees And Other Charges
| Type Of Charge | Fee |
| Annual Fee | NIL |
| Finance Charge | 0.75% – 3.99% Per Month |
| Joining Fee | NIL |
| Last Payment Charge | 15% Of the total amount due (Subjected to a Min of ₹100 and Max Of₹1,000) |
| Cash Advance Fee | ₹250 |
| Over limit charge | NIL |
| Rewards Redemption Fee | NIL |
| Return of Cheque | ₹250 Per Returned cheque |
| A fee of cash payment | NIL |
| Duplicate Statement Request | NIL |
| Outstation cheque Processing Fee | NIL |
| Card Replacement Fee | ₹100 |
| Charge slip Request | NIL |
| Cheque Pickup Fee | NIL |
| Foreign Currency Markup | 1.5% – 3.5% |
| Fuel Surcharge | 1% of the Transaction amount (Waived up to ₹400 Per Statement cycle) |
Documents Required for IDFC FRST Credit Cards
| Proof of identity |
|
| Address Proof |
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| Income Proof for Self Employed Individuals |
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| Income proof for Salaried |
|
How to Pay IDFC First Credit Card Bills
You can use any payment method that is mentioned in order to clear all the outstanding bills on your credit Card-
- Make Payment through cheque and Cash
- UPI Payments are also Accepted
- Clearing bills through IMPS
- Using NEFT for making Payments
- IDFC First Internet Banking.
How to Apply for IDFC Credit Card?
- Visit www.idfcFIRSTbank.com
- Go to Credit Card > Apply Now
- Enter Your full name as mentioned on your Aadhar Card and PAN Card.
- Enter Your Date of Birth And Enter your Mobile Number Get OTP and proceed to apply for your desired IDFC FIRST Credit card.
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What are the eligibility criteria to apply for an IDFC FIRST Bank Credit Card?
Age Policy:
Applicant must be aged 21 years or above in order to apply for an IDFC FIRST Bank Credit Card.
Indian Resident & Sourcing Locations:
- Applicant must qualify as an Indian resident and have a current and permanent residential address within India.
- IDFC FIRST Banks maintains a set of cities that are allowed for sourcing.
Credit Bureau History
- The applicant is expected to have a good credit bureau score and no evidence/history of defaulting on loans or missing payments on loans or credit cards.
- Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time.
Income Eligibility
- As applicable for different card variants offered by IDFC FIRST Bank.
- Minimum Net Monthly Income ₹25,000
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