By Ankur Mittal
Updated On September 20, 2021

IDFC First Bank was established after the merger between IDFC Bank, a wholly-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 total of 600 branches and 592 spread across the country. IDFC First bank operates across various business verticals providing a wide array of services to its clients. The bank mainly provides services such as Commercial and Wholesale Banking, Personal, Business Banking, and Rural Banking. In the year 2015, IDFC Bank got listed with all major stock exchanges in India.

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. All 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 know more about the credit card offerings by the IDFC First Bank, read below given some of the best credit cards from its portfolio. IDFC First Bank issues various credit cards, out of which some popular cards are as mentioned below

Welcome Benefits

Gift Vouchers worth Rs. 500 on spending Rs. 15,000 within 90 days of card set-up, 5% cashback on first EMI transaction performed within 90 days of card set-up.

Rewards Rate

1 Reward Point for every Rs. 100 spent, 3X Reward Points on all offline spends up to Rs. 20,000, 6X Reward Points on online spends, 10X Reward Points on all incremental spends of Rs. 20,000 and 10X Reward Points on all spends on your birthday.

Best Suited For

Shopping |

Movie & Dining

Rs. 500 off on the second movie ticket onwards on Paytm mobile app (max two free tickets can be availed in a month), up to 20% discount on over 1500 restaurants.

Reward Redemption

Rs. 500 off on the second movie ticket onwards on Paytm mobile app (max two free tickets can be availed in a month), up to 20% discount on over 1500 restaurants.

Joining Fees

Nil

Product Details

  • 1 Reward Point for every Rs. 100 spent (1 Reward Point = Rs. 0.25).
  • 6X Reward Points on all online spends.
  • 3X Reward Points on all offline spends (for spends up to Rs. 20,000).
  • 10X Reward Points on incremental spends of Rs. 20,000.
  • 10X Reward Points on all transactions on your birthday.
  • Low interest rate (0.75% – 2.99%) and low foreign currency markup (1.5%).
  • Gift voucher worth Rs. 500 on expenditure of Rs. 15,000 within 90 days of card issuance.
  • 5% cashback on the first EMI transaction performed within 90 days of card setup.
  • 4 complimentary domestic and international lounge and spa visits every quarter.
  • Air accident cover worth Rs. 1 crore and personal accident cover worth Rs. 10 lakh.
  • 4 complimentary railway lounge visits every calendar quarter.
  • Other travel-related insurance benefits worth USD 1,200.
  • Lost card liability cover worth Rs. 50,000.
  • Up to 2 complimentary rounds of golf every month.

See additional details for IDFC FIRST Wealth Credit Card

Welcome Benefits

Gift voucher of Rs 500 on the spending of Rs 15000 or above within 90 days of card issuance. Also, you get a 5% cashback on EMI transactions within 90 days of card issuance

Rewards Rate

10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000. 10x Reward points on every Rs 100 spent on your birthdays. 6x Reward points on every Rs 100 spent on online spendings. 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000 and 1 Reward point on every Rs 100 spent on all other categories.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Nil

Product Details

  • Gift voucher of Rs 500 on the spending of Rs 15000 or above as welcome gift
  • 5% cashback on EMI transactions within 90 days of card issuance on your IDFC First Select credit card
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000.
  • 10x Reward points on every Rs 100 spent on your birthdays.
  • 6x Reward points on every Rs 100 spent on online spendings.
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • Low interest rate (0.75% – 2.99%) and low foreign currency markup (1.5%)
  • 4 complimentary railway lounge visits every calendar quarter
  • 4 complimentary domestic airport lounge visits every calendar quarter
  • Personal Accident Cover worth Rs 5,00,000
  • Lost card liability covers worth Rs. 50,000

See additional details for IDFC FIRST Select Credit Card

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days.

Rewards Rate

3 Reward Points on every offline spend of Rs. 100 & 6 Reward Points on every online spend of Rs. 100.

Best Suited For

Travel |

Movie & Dining

Get a 25% discount on movies (up to Rs. 100) and up to a 20% discount on dining through your IDFC FIRST Classic Credit Card.

Reward Redemption

Get a 25% discount on movies (up to Rs. 100) and up to a 20% discount on dining through your IDFC FIRST Classic Credit Card.

Joining Fees

Nil

Product Details

  • 3 Reward Points on every Rs. 100 you spend on offline purchases.
  • 6 Reward Points on every Rs. 100 you spend on online purchases.
  • 10 Reward Points on every Rs. 100 you spend on purchases above Rs. 20,000.
  • 10 Reward Points on every Rs. 100 spent on your birthday.
  • The card comes with no joining/renewal fee.
  • Welcome benefit of a gift voucher worth Rs. 500.
  • 25% discount on movie tickets.
  • 4 complimentary Railway lounge access every quarter.
  • More than 50 In-app discount offers.
  • Get free Road Side Assistance.

See additional details for IDFC FIRST Classic Credit Card

Welcome Benefits

5% cashback on first EMI Transaction within 90 Days of issuance of the credit card. Gift Vouchers worth Rs 500 within 90 days of issuance of the card on spending Rs 15,000.

Rewards Rate

NA

Best Suited For

Shopping |

Movie & Dining

Up to 20% discount on more than 1500 Restaurants across India. Avail 25% discount on movie tickets once a month (up to Rs 100).

Reward Redemption

Up to 20% discount on more than 1500 Restaurants across India. Avail 25% discount on movie tickets once a month (up to Rs 100).

Joining Fees

Nil

Product Details

  • Lifetime free credit card.
  • Comes with never-expiring reward points.
  • 10x Reward Points on spends of Rs 20,000 and above.
  • 10x Reward points on all spend done on your birthday.
  • Low Interest Rates starting at 0.75% per month.
  • Fuel surcharge waiver at all gas stations pan India (Upto Rs 200 every month).
  • Complimentary Railway lounge access 4 times in a quarter.
  • Personal Accidental Cover worth Rs 2 Lacs on all active cards.

See additional details for IDFC FIRST Millennia Credit Card

Top 4 IDFC First Bank Credit Cards

IDFC First Select Credit Card-: IDFC First Select credit card is the most premium card offered 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 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, you get 1 reward point on every Rs 100 spent, 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 upto 10x on your spendings made on your birthdays upto Rs 20,000. Furthermore, you get 6x reward points on every online spend and 3x reward 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 100 spent online and 3 reward points on every Rs 100 spent offline. Besides that, you get 4 complimentary Railway lounge access every quarter. Also, you are provided with insurance benefits worth upto Rs 2 lakhs.

IDFC First Bank Credit Cards Rewards

Credit Cards Rewards Points
IDFC First Select credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Wealth credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Classic credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent
IDFC First Millennia credit card
  • 10x Reward points on every Rs 100 spent on your birthdays
  • 10x Reward Points for every Rs. 100 spent on purchases above Rs. 20,000
  • 6x Reward points on every Rs 100 spent on online spendings
  • 3x Reward points on every Rs 100 spent on offline spendings upto Rs 20,000
  • 1 Reward point on every Rs 100 spent

Reward Redemption

The reward points accumulated 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 is equivalent to Rs 0.25 for redemption for all IDFC First Bank credit cards. You are not charged with any redemption fee on reward redemption with IDFC First Bank credit cards.

Complimentary Lounge Access

Credit Cards Airport Lounge Access Railway Lounge Access
IDFC First Select Credit Card 4 Complimentary Domestic Lounge Access every calendar quarter 4 Complimentary Domestic Lounge Access every calendar quarter
IDFC First Wealth Credit Card 4 Complimentary Domestic Lounge Access every calendar quarter 4 Complimentary Domestic Lounge Access every calendar quarter
IDFC First Classic Credit Card NA 4 Complimentary Domestic Lounge Access every calendar quarter
IDFC First Millennia Credit Card NA 4 Complimentary Domestic Lounge Access every calendar quarter

Fees and Other Charges

Charges IDFC First Select Credit Card IDFC First Wealth Credit Card IDFC First Classic Credit Card IDFC First Millennia Credit Card
Annual Fee Lifetime Free Lifetime Free Lifetime Free Lifetime Free
Finance Charges 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  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
Cash Advance Charges Rs 250 Rs 250 Rs 250 Rs 250
Add-on Fee Nil Nil Nil Nil

How to Apply?

Step 1: You can either visit the nearest branch or you can apply through net banking

Step 2: To apply through net banking, visit https://www.idfcfirstbank.com/credit-card

Step 3: Click on the option “Apply for a new credit card”

Step 4: Choose the card, and complete all the required formalities.

What are the Documents Required?

Proof of Identity Proof of Address Proof of Income
  • Aadhar Card
  • PAN Card
  • Voter ID
  • Driving Licence
  • Passport
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving Licence
  • Utility bills
  • Municipal or property tax receipt
  • Rent agreement
  • House allotment letter issued by central or state government
  • For self-employed individuals - Later ITR (Income Tax Return).
  • For salaried employees - salary slip of last two months & bank statement showing salary credits.

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.

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, you do not get charged with any joining or renewal fee on 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 do not 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.

You 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

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