By Kartik Kanwar
Updated On May 21, 2024

The IDFC Bank and its credit cards are best known for zero membership fees and a highly accelerated reward rate. The Bank has launched five credit cards, each offering different benefits and privileges. Along with this, the bank also provides the Add-on credit card facility to its cardholders where the family members of the primary cardholder can also enjoy the benefits of IDFC credit cards. IDFC-Bank-Add-on-Credit-card

The primary cardholder can get the add-on card for their parents, spouse, children, and siblings. An add-on card is a supplementary credit card that allows you to share your credit card with your family members. The add-on credit card eliminates the problem of having a credit card for every member and also helps to save on their annual charges. The add-on card offers the same benefits and has the same features just like the primary card, at zero annual fees. The add-on credit cards are very beneficial for children and for old citizens as they have little or no income. Let’s understand more about the IDFC Bank Add-on credit cards in detail.

Features of the IDFC Add-on Cards

The add-on credit works just like a normal card (primary card), it offers the same benefits and privileges to add-on members. However, there are some features of add-on credit cards over and above the primary credit cards, like:

  • There is no credit score requirement for the applicant and can be issued to anyone above 18 years of age.
  • The Additional cards can be used by the add-on members for international transactions as well.
  • The transactions done with the additional cards would get the same reward rate as the primary card and Primary Credit Card holder will earn rewards points for all purchase transactions done on the IDFC FIRST Bank Add –on Credit Card.
  • The primary cardholder has full access to the Add-on cards. Therefore, they can manage the card and also keep a track of transactions on the same.
  • The credit limit for the Add-on cards can be set by the primary cardholder. The primary cardholder can also change the limit for a cash advance, online purchases, and more anytime. The bank may also intervene for the limit on the add-on cards.
  • All the bills and monthly statements for the Add-on card are sent to the primary cardholder. Therefore, the primary cardholder will be liable to make payments on behalf of the Add-on cardholders. Also, note that any late payment for the add-on card will impact the credit score of the primary cardholder only.
  • Add-on Credit Card holder cannot avail any Welcome benefits. Only the Primary Card holder can avail the Welcome Benefits once eligible.

Fees and Charges for IDFC Add-on Credit Cards

All the charges that are applied on the primary card would also be applicable on add-on credit cards as well. However the add-on cards are issued at zero cost and they do not charge annual fee. For example if you apply for an add-on card against the primary IDFC FIRST Select Credit Card, then the same charges would be applicable on the same as follows:

Charges Amount
Finance Charges Ranges between 0.75% to 3.5%
Cash Advance Fee Rs. 250
Rewards Redemption Fee NIL
Foreign Currency Markup 1.99% on the conversion amount

Eligibility Criteria for IDFC Add-on Credit Cards

The Eligibility Criteria to apply for the IDFC Add-on credit card are very basic. Following are some points you must keep in mind before applying for the Add-on card:

– The applicant for the Add-on card must be above 18 years of age.
– The applicant must be related to the primary cardholder.
– The Primary cardholder must maintain a good credit score.
– The applicant must have the consent of the Primary cardholder.

Documents Required for IDFC Add-on Credit Cards:

To apply for the IDFC Add-on credit card, the Bank may ask for certain documents that would be required to issue the card. Some of the documents that are asked for

  • Photo ID proof: PAN Card, Passport, Student ID Card, Voters ID, Ration Card, Company ID Card, or Passbook
  • Address proof: Passport, Driving License, Telephone/Electricity Bill, Bank account statement, Voter ID, Gas Bill, or Water Bills.

How to Apply for IDFC Add-on credit card

The application process for the IDFC add-on card is very easy and quick. Follow the steps below to apply for the IDFC Add-on credit card:

– Visit the Bank’s add-on credit card portal.
– Enter the details like the last four digits of the primary card, DOB and mobile number.
– Then, you would be asked to enter the add-on member details, and PAN details.
– Next, you would receive the link for E-KYC and you are supposed to complete the same.
– Once you are done, the bank will dispatch the add-on credit card on your address.

IDFC Add-on Credit Card PIN generation

Following is the way by which you can change your IDFC Add-on Credit card PIN:

Through app:

– Download the IDFC FIRST Bank App.
– Go to the ‘Manage Card’ option in the Credit Card section and enable your card for online, contactless and international transactions.
– Generate PIN by clicking on ‘Set Pin’ in the Credit Card section.

Best IDFC Add-On Credit Cards

Every IDFC Bank comes with an Add-on credit card facility. Following is summary of features of the IDFC add-on credit cards so that you can make the right choice:

Card Fee Structure Main Features
IDFC First Wealth Credit Card Interest Rate: 0.75% to 3.5% per month

Forex Mark-up Fee: 1.5% of the transaction amount.

Cash Advance Charges: Rs. 250
Lifetime free credit card.

4 complimentary airport lounge access and spa visits

4 complimentary airport lounge access and spa visits

2 complimentary rounds of golf every month.

4 complimentary railway lounge visits

Air accident cover worth Rs. 1 crore
IDFC First Select Credit Card Interest Rate: 0.75% to 3.5%

Forex Mark-up Fee: 1.99% of the transaction amount.

Cash Advance Charges: Rs. 250
4 complimentary domestic airport lounge visits and 4 complimentary railway lounge visits per quarter.

Personal accident cover worth up to Rs. 5,00,000

Buy 1 Get 1 offer on movie ticket booking on Paytm mobile app
IDFC FIRST Classic Credit card Interest Rate: 0.75% to 3.5% per month

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: Rs. 250
4 complimentary Railway lounge access every quarter.

Get free Road Side Assistance.

10 Reward Points on every Rs. 150 you spend on purchases above Rs. 20,000.

25% discount on movie tickets.
IDFC First Millennia Credit Card Interest Rate: Starting from 0.75% and goes up to 2.99% per month.

Forex Mark-up Fee: 3.5% of the transaction amount.

Cash Advance Charges: Rs. 250
Lifetime free credit card.

10x Reward Points on spends of Rs 20,000 and above.

Fuel surcharge waiver at all gas stations pan India

Complimentary Railway lounge access 4 times in a quarter.

Bottom Line

Add-on cards are very beneficial, not only because they are lifetime free but also because the members can enjoy the same privilege as the primary card. The primary cardholder can issue the additional credit cards against the primary card, to provide family members with financial freedom. Also, the add-on cards also provide the same reward rate on every transaction and are applicable for international transactions as well.


Yes, add-on credit cards can be restricted by primary credit card users. The add-on credit cards are at the sole discretion of primary credit card users.
Mostly yes, almost all the credit cards by IDFC Bank are free.
Yes, you can go ahead and apply for the IDFC Bank Credit cards online. You can follow the following steps - Go to bank's add-on credit card portal - Enter the details - complete the KYC link which you have received - Submit.
No, there is no reward redemption fee on IDFC Bank add-on credit cards.