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Check your IDFC Credit Card eligibility
Get exclusive benefits, offers, and more with IDFC Credit Cards
Note: It will not affect your score
Best IDFC Credit Cards in India 2024
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IDFC First Bank Credit Card Documents Required
- Income proof: salary slips, 2 years income tax returns, bank statement
- Identity proof: PAN card, Aadhaar card, ration card, and voter ID card
- Residence proof: passport, driving license, electricity or telephone bill
The list is indicative and the documents will vary with the individual.
IDFC First Bank Credit Card Eligibility Criteria
- The individual’s age should be minimum 21 years
- The person should be a resident Indian
- The applicant must belong to any one of the sourcing cities
- The applicant, whether salaried or self-employed, must have a minimum monthly income of Rs. 25,000
- The applicant must have a good credit score and a credit history without any payment defaults.
- The applicant must pass all the internal policy checks conducted by IDFC First Bank.
Quick Links For Managing The IDFC First Bank Credit Card
Here are some quick links to handle the multiple processes associated with the IDFC First Bank credit card
IDFC FIRST Credit Card Features
- Interest-free cash withdrawal: Cash can be withdrawn from an ATM without attracting any interest for 48 days.
- Low interest rates: IDFC credit cards are amongst those which have the lowest interest rates. Starting from 0.75% per month or 9% p.a., they can go up to 3.99% p.a.
- Welcome Benefits: All IDFC credit cards come with a welcome perk of a gift voucher on spends of Rs. 15,000 within the first 90 days of issuing the card.
- Cashback Benefits: You will be given a cashback of 5% on your first EMI transaction with your IDFC First Bank credit card made within the first 90 days of card issuance.
- Insurance benefits: IDFC First credit cards offer a personal accident cover of up to Rs. 10 lakhs and a complimentary lost card liability cover of up to Rs.50,000
- Road Benefits: IDFC First credit cards come with complimentary roadside assistance of value Rs. 1, 399.
Complimentary Lounge Access
Complimentary lounge access is a great benefit to have. It provides travellers with unlimited food, AC rooms, WiFi, and much more. Airport lounges provide people with world-class facilities and are really helpful in times of flight delays or when flights are missed. This is especially a boon for those who work while they travel. IDFC First Credit Cards provide its cardholders with complimentary airport as well as railway lounge access. The table below provides information on them.Credit Cards | Airport Lounge Access | Railway Lounge Access |
|---|---|---|
IDFC First Select Credit Card | 4 complimentary domestic lounge access per quarter | 4 complimentary domestic lounge access per quarter |
IDFC First Classic Credit Card | NA | 4 complimentary domestic lounge access per quarter |
IDFC First Wealth Credit Card | 4 complimentary domestic lounge access per quarter | 4 complimentary domestic lounge access per quarter |
IDFC First Millennia Credit Card | NA | 4 complimentary domestic lounge access per quarter |
How to Apply For IDFC First Credit Card?
Online Apply Through CreditMantri
- Check the various IDFC Bank credit cards available
- After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about the card, Click ‘Know More’).
- You will be redirected to the application page.
- Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
- Enter this OTP for verification.
- Click on ‘view eligible IDFC Bank offers and apply’.
Online Apply Through The Bank’s Website
- Enter the name as per Aadhaar card, date of birth, and mobile number.
- Click ‘Get OTP’
- An OTP will be dispatched to your mobile.
- Enter the OTP received on your registered mobile number for verification
- Click ‘Proceed’
- The list of personalized offers will be displayed
- Click on ‘Get your Card’
- Enter the personal details.
- Submit the application.
Offline
- You can also apply for an IDFC bank credit card offline by contacting customer care, through Email, or by going to the nearest branch of the bank and filling out the physical application form completely.
Fees and Charges of IDFC First Bank Credit Cards
The credit card fees and charges vary with the card. The list shown below consists of the common fees and charges.
Joining Fee | Nil |
Finance Charges | 3.99% per month or 47.88% per annum |
Late payment charges | 15% of the total amount due subject to a minimum of Rs. 100 and a maximum of Rs. 1000 |
Few other charges may vary across cards
IDFC Credit Card Customer Care
IDFC First Bank has reliable credit card customer care services to resolve the queries regarding the card. Cardholders can contact the
IDFC First Bank customer care online
- By contacting the 24/7 customer care number 1860-500-1111
- By sending a query through the bank’s customer support webpage
- By sending a letter to the registered office or the corporate office.
IDFC Credit Card Application Status
IDFC bank allows its customers to check the credit card application status. You can check the IDFC credit card application status through the following ways:
- Via the IDFC bank website by entering the date of birth and mobile number or application number
- By visiting the branch
- By contacting the customer care
IDFC Credit Card Bill Payment
IDFC bank provides different options for its customers to pay the credit card bill payment via online, mobile app, UPI applications, cheque, cash, and NEFT/IMPS. It is important to make timely payment of bills in order to maintain a good credit score avoid late payment penalties, and to prevent the accumulation of interest on credit card bills
IDFC First Bank Credit Card Balance Enquiry
The credit card balance is the amount you owe to the credit card issuer at any given time. IDFC bank offers multiple methods to check the credit card balance. They are:
- Through the bank app
- Through statements every month
- Via text messages
- ATM
- Calling customer support
- Visiting the bank
IDFC Credit Card Netbanking
IDFC bank provides its customers with internet banking services similar to those which you will avail in a bank when you go physically. You can open an account online, transfer money quickly through NEFT/IMPS/RTGS, pay your bill, access loan details, repay your loan amount, and more.
Closure or Cancellation of your IDFC First Bank credit card
You can cancel the IDFC First bank credit card by submitting an application at the bank’s branch or by calling the toll free number - 1860 500 1111.
IDFC Credit Card FAQS
1. What is the age limit of IDFC First Bank credit cards?
You should be at least 18 years of age to apply for a credit card. This minimum age criteria is applicable even for the add-on credit card holder.
2. Is the IDFC credit card free?
Yes, there is no joining, membership, or annual fee applicable on any of the IDFC First Bank credit cards. Your card is free for life.
3. What are some of the major benefits of IDFC First Bank credit cards?
Some of the major benefits of IDFC First Bank credit cards are: low interest credit cards, lifetime free cards with nil annual and renewal fees, low foreign markup free, unlimited reward points, no overlimit fee, free visits to railway lounges, and no expiry date for the reward points earned.
Latest & Update Idfc Credit Card News
IDFC FIRST Bank, LIC Cards, and Mastercard Partner To Launch Exclusive Co-Branded Credit Card18 Dec 2023
IDFC First Bank, LIC Cards, and Mastercard have tied up together to introduce a co-branded credit card. The card comes in two variants - LIC Classic and LIC Select. These two credit cards will help 27 crore policyholders across the country save on e...
Read moreIDFC First Bank, LIC Cards, and Mastercard have tied up together to introduce a co-branded credit card. The card comes in two variants - LIC Classic and LIC Select. These two credit cards will help 27 crore policyholders across the country save on every LIC insurance premium payment in the form of reward points. It will also come with other benefits which are as listed below: Lost Card Liability Cover - The co-branded credit card provides a lost card liability cover of up to Rs. 50,000 offering enhanced protection. Personal Accident Insurance - This card provides a personal accident insurance cover of up to Rs. 5 lakhs ensuring financial protection. Travel Benefits - Both variants of the credit card offer exclusive travel perks, including complimentary lounge access at airports and railway station. Protective Covers - The credit cards offer various protective covers, such as personal accident insurance.
IDFC Ties Up With Mastercard to Launch The First SWYP Credit Card for the Gen Z 9 Dec 2023
IDFC Bank has partnered with Mastercard to introduce the First SWYP Credit card for the Gen Z and millennials. The card comes with exciting offers related to lifestyle, flexibility in payment, and referral benefits. The card offers flexibility in pay...
Read moreIDFC Bank has partnered with Mastercard to introduce the First SWYP Credit card for the Gen Z and millennials. The card comes with exciting offers related to lifestyle, flexibility in payment, and referral benefits. The card offers flexibility in payment to the customer as they can either pay in full or convert to easy fee based EMIs. Individuals can apply for this card through the IDFC website or mobile app. The card offers convenience, affordability, and a seamless digital application process.Some important features and benefits of the card are Joining benefits for new FIRST SWYP customers that includes a complimentary Lenskart Gold Membership, Complimentary Times Prime Annual Membership on spending Rs. 30,000, and 1000 reward points on their first EMI conversion. Discounts all year long: Customers are eligible for a 20% off on IDFC partner brands, which vary across the categories of dining, shopping, and travel. Other Offers: 20% off at Domino’s Pizza,10% off on flight & hotel bookings on EaseMyTrip, an awesome 10% instant discount on TATA CLIQ, 10% off on Zomato for the perfect mealtime solution, 25% up to Rs 100 every month on movie tickets, 1% fuel surcharge upto Rs. 200, 4 complimentary railway lounge access every quarter. Milestone Rewards Program: 1400 reward points for every billing cycle.
IDFC First Bank Ties Up With HPCL and RuPay To Launch Co-branded Credit Card 7 Apr 2023
IDFC Bank has collaborated with HPCL and RuPay to launch a co-branded fuel credit card that will help users to save upto 6.5% on petrol and diesel spends through the HP Pay app. The 6.5% savings includes the surcharge waiver, value back, and1.5% cash...
Read moreIDFC Bank has collaborated with HPCL and RuPay to launch a co-branded fuel credit card that will help users to save upto 6.5% on petrol and diesel spends through the HP Pay app. The 6.5% savings includes the surcharge waiver, value back, and1.5% cashback by HPCL. The card offers benefits across the categories of fuel, lifestyle, movies, and utility with never expiring reward points which can be redeemed anywhere online. The credit card will be available in 2 variants - FIRST Power and FIRST Power Plus. As part of an introductory offer, the cards come with a nil joining fee and an annual fee waiver on reaching threshold spends. The First Power credit card offers a value back upto 2.5% as reward points on fuel and LPG purchases, FasTag top ups, grocery, and utility spends. The First Power Plus credit card offers upto 4.0% valueback as reward points on fuel and LPG purchases and upto 5.0% value back on FASTag top-ups, grocery, and utility expenses. Apart from these, 2x and 3x reward points are offered on other eligible spends by the First Power and First Power Plus credit cards respectively. All customers get a complimentary roadside assistance worth Rs. 1,399 and insurance coverage.