IDFC First Bank Credit Cards

Top 5 IDFC First Bank Credit Cards

Following are the four topmost credit cards issued by the IDFC First Bank, along with their detailed features & benefits along with all other essential information. You can compare different credit cards and choose the one that appears to serve you the best:

IDFC First Select Credit Card

IDFC First Select credit card is a premium card issued by IDFC Bank. On this credit card, you earn up to 10x reward points on every Rs 100 spent on your birthdays, 6x reward points on every Rs 100 spent online, and 3x reward points on every Rs 100 spent offline. With this card, you get up to 4 complimentary domestic lounge access every calendar quarter. Furthermore, you also enjoy several insurance benefits on this card worth up to Rs 5 lakhs. Besides that, you do not get charged an annual membership fee. This card charges a low-interest rate of 0.75% – 2.99% on the due amount.

IDFC First Wealth Credit Card

The Wealth Credit Card is a premium card offered by IDFC First Bank. The card comes with zero annual membership fees, and you also get charged with a relatively low-interest rate ranging from 0.75% to 2.99% per month on this credit card. Moreover, you get four complimentary lounge access, both domestic and international, with this credit card. Along with it, you also get travel insurance coverage worth Rs 1 crore. Furthermore, for every Rs. 100 spent with the card, you get one reward point, accelerated 3x reward points up to Rs 20,000, and 10x reward points on every penny spent on your birthday.

IDFC First Millennia Credit Card

The Millennia credit card is a reward card by IDFC First Bank that provides you with an excellent reward rate on your spends. You get an accelerated reward rate of up to 10x on spends made on your birthdays up to Rs 20,000. Furthermore,  get 6x reward points on every online spend and 3x points on every offline spend. One of the key features of this credit card is the reward points accumulated by the cardholder do not expire and can be carried forward to the following year.

IDFC First Classic Credit Card

This is an entry-level card that comes with exclusive rewards and benefits on your spending. You are not charged any joining fee or renewal fee on this credit card. Furthermore, you get 6 reward points on every Rs 150 spent online and 3 reward points on every Rs 150 spent offline. Besides that, you get four complimentary access to Railway lounges every quarter. Also, you are provided with insurance benefits worth up to Rs 2 lakhs.

IDFC HPCL First Power Plus Credit Card

IDFC HPCL First Power Plus Credit Card comes at an affordable joining fee of Rs. 499. With this card, cardholders will be able to save more than Rs 18,500 which is nearly 175 litlres of fuel in a year. Every quarter you will also be able to enjoy a complimentary visit to the domestic lounge with the IDFC HPCL First Power Plus Credit Card. You can also use this card safely and in case of loss or theft, there is Zero Liability Protection and some insurance benefits also. Get rewarded on your UPI transactions with the HPCL First Power + Credit Card.

IDFC First Bank Credit Cards Rewards

Different IDFC First Bank Credit Cards offer different reward rates. Premium cards generally have higher reward rates compared to basic cards. Moreover, the reward rates may also vary for different categories. You can understand the reward benefits of all the IDFC First Credit Cards in the following table:

Reward Redemption

The reward points earned on IDFC First Bank credit cards can be redeemed at the Poshvine Reward Portal, exclusive partner stores, or online at e-commerce stores such as Amazon, Flipkart, Myntra, etc. 1 Reward Points = Rs 0.25 for redemption for all IDFC First Bank credit cards. You have to pay a convenience fee of Rs. 99 plus taxes on reward redemption with IDFC First Bank credit cards.

Moreover, the Karma Points that you earn using the IDFC First Private Credit Card are donated to a charity chosen by you in your name. Once you accrue 20,000 Karma Points, the points will automatically be donated at a monetary value of 1 Karma Point = Re. 0.25

Complimentary Lounge Access

Complimentary lounge access is one of the most desired travel benefits of credit cards these days. Many people love traveling and free lounge access makes their travel experiences extra luxurious without any additional spends. The IDFC First Credit Cards also offer complimentary airport/railway lounge access and you can find detailed information about the same in the following table:

Fees and Other Charges

Most of the credit cards offered by IDFC First Bank are lifetime free other than the Private Card. However, there are various other fees and charges associated with credit cards, including interest rates, cash advance fees, forex markup fees, and many more. You can get detailed information about the IDFC First Credit Cards’ fees and charges in the following table:

How to Apply for IDFC First Credit Cards?

Looking to apply online for IDFC Credit Cards? Apply now for IDFC Credit Cards with Card Insider. You can compare multiple cards offered by IDFC Bank and choose the one which suits you the most. Check out IDFC First Credit Card rewards, cashback, offers, fees and more on our website. Before applying for the new IDFC Credit Card keep a few documents like PAN Card handy. 

You can also apply for IDFC Credit Cards offline by going to the nearest IDFC First Bank.

What are the Documents Required?

You also need to submit several documents while applying for an IDFC First Bank Credit Card. Some most important documents required to apply for these cards are listed in the table below:

IDFC First Credit Card Application Status

• To track your IDFC First credit card application status, visit IDFC First Bank’s homepage.
• Go to the customer service option and choose service request.
• Then go to “Track of Complaints and Request” and enter your “Service Request” number.

How To Activate IDFC First Bank Credit Cards?

The IDFC First Bank provides its customers with various methods to activate their credit cards. One can do it online as well as offline at their comfort by utilizing any of the procedures given below:

1. You can activate your credit card at any IDFC First Bank ATM. Just visit the ATM nearest to you, insert your credit card, and find an option to generate a new PIN using OTP. You will receive an OTP on your registered mobile number, and after entering that, you can activate your card easily.

2. Another way to activate a new IDFC First Credit Card is using IDFC First Bank’s mobile banking application. Log in to the application, and then you can start your card quickly under the Manage Card section.

3. You can also contact IDFC First Bank Credit Card customer care to assist you in activating your credit card.

Bottom Line

Even though IDFC First Bank has entered the credit card market in recent times, they have established a foot in India. With a range of lifetime free cards, customers can get a credit at zero joining fees and earn rewards on spends. Make easy and quick transactions with an IDFC First Bank Credit Card. This bank offers lifetime free credit cards and reward-based credit cards.

With IDFC Bank Credit Cards, you can earn rewards on fuel, dining, movies and a lot more. You can also get additional benefits in the form of welcome benefits and milestone spending benefits with these credit cards. 

Quickly compare the features and rewards of different IDFC Bank Credit Cards with CardInsider.

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