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Federal BankIDFC First Bank was established after the merger between IDFC Bank, an entirely-owned subsidiary of IDFC Ltd, and Capital First Bank in December 2018. The IDFC bank got incorporated in 2014 after the Reserve Bank’s approval and eventually started its banking operations in 2015. Headquartered in Mumbai, IDFC Bank has a count of 600 branches and 592 spread across the country. The bank operates across various business verticals providing a wide array of services to its clients. The major services and products provided by the bank also include credit cards.
As per RBI reports, the IDFC First Bank currently has around 13,50,524 active credit cards in the country. It has become a popular credit card issuer in the country and is majorly known for offering exclusive cards with minimum charges. Previously, the bank was only offering lifetime free credit cards, but it came up with a super-premium card in the year 2022. The card is named IDFC First Private Credit Card and is the only card issued by IDFC Bank that charges an annual fee. In this article, you will find the list of all the IDFC Bank Credit Cards and all the information about the same:
List of Best IDFC Bank Credit Cards
IDFC First Bank entered the credit card industry in January 2021. IDFC First Bank came up with credit cards for both high-end customers as well as for mass customers. Most of these credit cards launched by the bank come with absolutely zero membership fees and provide you with a high accelerated reward rate on your spendings. To learn more about all the cards offered by IDFC First Bank, following are the best credit cards offered by the bank:
Fee
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
5% cashback on first EMI spend up to Rs. 1000 and additional welcome gift vouchers worth Rs. 500 on spending Rs. 15,000 inside 90 days of card generation
Fee
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
Welcome gifts worth Rs. 500 in the form of vouchers based on spends within 90 days of card issuance and a 5% cashback on EMI transactions within 30 days of card issuance.
Fee
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Travel |
Reward Type
Reward Points
Welcome Benefits
Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.
Fee
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
Gift Vouchers worth Rs. 500 from premium brands on spending over Rs. 30,000 within 90 days and a 5% cashback on the first EMI transaction made within the first 30 days.
Fee
Joining Fee
Rs. 499 plus applicable taxes
Renewal Fee
Annual fee of Rs. 499.
Best Suited For
Fuel |
Reward Type
Reward Points |
Welcome Benefits
Up to Rs. 500 cash back on your 1st HPCL fuel transaction above Rs. 500 and up to 5% cashback (up to Rs. 1,000 capped) on the transaction value of the first EMI.
Fee
Joining Fee
Rs. 199 plus taxes but No Joining Fee as an introductory offer
Renewal Fee
Rs. 199 plus taxes
Best Suited For
Fuel |
Reward Type
Reward Points |
Welcome Benefits
NA
Fee
Joining Fee
NIL
Renewal Fee
Nil
Best Suited For
Dining | Shopping |
Reward Type
Reward Points
Welcome Benefits
Enjoy 5% Cashback up to Rs. 1,000 on the first EMI transaction done within 90 days of card activation.
Fee
Joining Fee
Rs. 50,000
Renewal Fee
Rs. 50,000 plus applicable taxes
Best Suited For
Movies | Travel | Shopping |
Reward Type
Reward Points
Welcome Benefits
NA
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 Private Credit Card
The IDFC First Private Credit Card is the most premium card offered by the bank. It was launched recently in the year 2022 and gives direct competition to other super-premium cards available in the market. It is an invite-only card and comes with an annual fee of Rs. 50,000. The card offers a great reward rate and you also earn Karma points that are donated to a charity in your name. Moreover, this card offers complimentary domestic as well as international lounge access to both primary and supplementary cardholders. The cardhlders are also entitled to complimentary golf lessons on achieving the required monthly spend. Other features of this card include exciting discounts on movies and complimentary insurance covers.
IDFC First Select Credit Card
IDFC First Select credit card is a premium card issued by the IDFC Bank. On this credit card, you earn upto 10x reward points on every Rs 100 spent on your birthdays, 6x reward points on every Rs 100 spent on online spendings, and 3x reward points on every Rs 100 spent on offline spendings. With this card, you get upto 4 complimentary domestic lounge access every calendar quarter. Furthermore, you also enjoy several insurance benefits on this card worth upto 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 the 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 4 complimentary lounge access both domestic and international with this credit card. Along with it, you also get travel insurance cover worth Rs 1 crore. Furthermore, for every Rs. 100 spent with the card, you get 1 reward point, accelerated 3x reward points upto 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 a great reward rate on your spendings. You get an accelerated reward rate up to 10x on your spendings 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 point accumulated by the cardholder do not expire and can be carried forward to the next 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 4 complimentary access to Railway lounges every quarter. Also, you are provided with insurance benefits worth upto Rs 2 lakhs.
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:
| Credit Cards | Rewards Points |
| IDFC First Private Credit Card |
|
| IDFC First Select credit card |
|
| IDFC First Wealth credit card |
|
| IDFC First Classic credit card |
|
| IDFC First Millennia credit card |
|
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:
| Credit Cards | Airport Lounge Access | Railway Lounge Access |
| IDFC First Private Credit Card |
|
– |
| IDFC First Select Credit Card | 4 Complimentary Domestic Lounge Access every calendar quarter | 4 Complimentary Railway Lounge Access every calendar quarter |
| IDFC First Wealth Credit Card | 4 Complimentary Domestic Lounge Access every calendar quarter | 4 Complimentary Railway Lounge Access every calendar quarter |
| IDFC First Classic Credit Card | NA | 4 Complimentary Railway Lounge Access every calendar quarter |
| IDFC First Millennia Credit Card | NA | 4 Complimentary Railway Lounge Access every calendar quarter |
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:
| Charges | IDFC First Private Credit Card | IDFC First Select Credit Card | IDFC First Wealth Credit Card | IDFC First Classic Credit Card | IDFC First Millennia Credit Card |
| Annual Fee | Rs. 50,000 | Lifetime Free | Lifetime Free | Lifetime Free | Lifetime Free |
| Finance Charges | 0.99% per month | 0.75% to 2.99% per month | 0.75% to 2.99% per month | 0.75% to 2.99% per month | 0.75% to 2.99% per month |
| Foreign Mark-up Fee | Nil | 1.99% on the conversion amount | 1.5% on the conversion amount | 3.5% on the conversion amount | 3.5% on the conversion amount |
| Redemption Fee | Nil | Nil | Nil | Nil | Nil |
| Cash Advance Charges | Rs. 250 | Rs. 250 | Rs. 250 | Rs. 250 | Rs. 250 |
| Add-on Fee | Nil for the first add-on card, Rs. 4,000 (second add-on card onwards) | Nil | Nil | Nil | Nil |
How to Apply for IDFC First Credit Cards?
Step 1: Either visit the nearest branch or you can apply through net banking
Step 2: To apply via net banking, visit https://www.idfcfirstbank.com/credit-card
Step 3: Click on “Apply for a new credit card”
Step 4: Select the card, and complete all the required formalities.
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:
| Proof of Identity | Proof of Address | Proof of Income |
|
|
|
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:
- You can easily 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.
- Another way for activating a new IDFC First Credit Card is to do it using the IDFC First Bank’s mobile banking application. Just log in to the application and then you can activate your card easily under the Manage Card section.
- You can also contact IDFC First Bank Credit Card customer care to assist you to activate your credit card.
Quick Links
FAQs:
IDFC First bank provides a lost card liability cover on all its credit cards. The cardholder can block/cancel the respective credit card within a stipulated period of 7 days from the date of the fraudulent transaction recorded with the credit card. The cardholder can notify the bank in case of any fraudulent transactions through SMS/Card statement/Email/Net Banking or by any other means.
No, there is no joining or renewal fee with any IDFC First credit card. You get a lifetime membership free on all IDFC First credit cards.
There is no expiry date of reward points accumulated using IDFC First credit cards. The reward points accrued to the cardholder never expire and be carried forward to the next year.
The cardholder gets charged with interest rates ranging from 0.75% to 1.99% on all IDFC First Bank credit cards depending upon the credit background of the individuals.
No, you get complimentary airport domestic lounge access upto 4 visits in a calendar quarter only on IDFC First Select credit card and IDFC First Wealth credit card. However, you get complimentary railway lounge access on all IDFC First credit cards.
Yes, you can convert your IDFC First credit card transactions of Rs 2500 or more in EMI using your IDFC First credit card.
The cardholders can get an interest-free period of 48 days applicable only when the previous month’s dues have been cleared in full.
You can Call on the 24X7 IDFC First Bank customer care number 18605001111 or you can email at [email protected]
You can also reach out to the Bank with your queries through NetBanking/Mobile Application
Compare India’s most rewarding credit cards under one roof and pick the one that works for you the best.