By Shubham Sharma
Updated On November 24, 2021

IDFC First bank credit card offers a wide range of credit cards to its customers whereby you can select the right credit card that helps you achieve your financial goals. The credit cards offered by the IDFC First bank come with several ancillary benefits and special perks. To avail of the IDFC First bank card eligibility requirements is one of the most important factors that need to be fulfilled. Find below the eligibility requirement for IDFC First Bank credit card. 

IDFC First Bank Credit card eligibility Basic IDFC First Bank Credit Card Eligibility

IDFC First Bank credit card has listed a standard age requirement for all its credit cards. The applicant’s age should be of  21 years. The age criteria for the add-on cardholder is 18 years. Provided below is basic information related to eligibility requirements that every customer should know before applying for the IDFC First bank credit card.

  • The applicant shall be a resident of India and must be salaried or self-employed. 
  • The applicant should be of a minimum age of 21 years or above. 
  • The applicant shall have a minimum income of 3 lakhs per annum. 
  • The add-on cardholder should be age 18 years. 

Documents required to apply for an IDFC Bank Credit Card

Identity Proof
  • Voter’s Id,
  • Pan Card,
  • Passport, 
  • Aadhaar Card, 
  • Driving Licence, 
  • or any other government-approved ID.
Address Proof
  • Aadhaar Card, 
  • Passport, 
  • Utility Bills (Electricity bills, water bills, etc), 
  • or any other government-approved ID.
Income Proof 
  • Bank Statement or salary slip of last 3 months,
  •  last 2 years’ audited financial report,  etc

Factors that Affect your IDFC First Bank Credit card Eligibility

Age-: The minimum age requirement of the most important criteria that need to be fulfilled while applying for a credit card. In the case of IDFC First bank credit card, the minimum age criteria are 21 years for both the salaried or the self-employed individuals.  

Income-: Income of an applicant is another critical factor that affects your eligibility to avail of an IDFC First bank credit card. The minimum income for a self-employed applicant is Rs 3 lakhs per annum and Rs 25,000 per month in the case of a salaried applicant

Credit Score: A credit score is an assessment of the creditworthiness of an individual. Therefore, it is necessary to maintain a good credit score to avail credit. Typically, a credit score of 750 or above is considered good.  

Documentation-:  While applying for an IDFC First Bank credit card, the applicant shall have all the necessary pre-requisite documents to assess their credit cards application, such as Proof of Income, Proof of Address, and Proof of Identity.  

Credit history-: Credit history is the next most essential factor for consideration. If you have no credit history, the card issuer may reject your application when the issuer looks at your application while accessing it.

Location-: Only a few locations and cities are excluded from the IDFC First Bank credit card service network. Therefore, the applicant needs to make sure that the residential address comes under the IDFC First Bank Card served location and is not banned to be eligible for an IDFC First Bank credit card 

How to Improve your IDFC First Bank Credit card eligibility 

There are multiple ways you can increase your eligibility to avail of an IDFC First Bank credit card. Some of the ways are mentioned below to help you increase your eligibility. 

  • Make sure you have paid off your previous outstanding bills on time 
  • You can also avail of IDFC First Bank credit card by maintaining a healthy credit score of 750
  • By adding a co-applicant when applying for an IDFC  credit card
  • You can increase your chance by limiting the number to hard inquires on your credit file 
  • Applying for a secured credit card

How to Apply for IDFC First Bank Credit Card?

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

Step 2: To apply through net banking, visit 

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

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


Non-Residents Indians are eligible to apply for IDFC First bank credit card. You can apply for fo IDFC First bank credit card online or by visiting the nearest IDBI First bank branch to your location. 

The minimum age requirement for the add-on cardholders is 18 years. 

IDFC First bank customers get an interest-free period of up to 30 days on their IDFC First credit card.

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