IDFC First Bank Credit Card

IDFC First Bank offers a variety of credit cards to its customers. These credit cards come with different features and benefits to cater to various needs and preferences. The bank is known for providing exclusive cards with minimal charges, making them attractive options for many individuals. One notable offering is the IDFC First Private Credit Card, which is the bank’s super-premium card that charges an annual fee. With its range of credit cards, IDFC First Bank aims to provide convenient and rewarding financial solutions to its customers.

Features and Benefits

• You can withdraw cash from an ATM without attracting any interest for up to 48 days. This applies to all IDFC First Bank credit cards.
• It offers credit cards with some of the lowest interest rates in the market. The rates start from 0.75% per month or 9% annually, going up to 3.99% per month, which is lower than many other banks’ credit cards.
• You receive welcome benefits in the form of a gift voucher if you spend Rs. 15,000 within the first 90 days of card issuance.
• For your first EMI transaction using your IDFC First Bank credit card within the first 90 days of card issuance, you receive a 5% cashback.
• You get a Personal Accident Cover of up to Rs. 10 lakh and a complimentary Lost Card Liability Cover of up to Rs. 50,000.
• It come with a complimentary Road Side Assistance worth Rs. 1,399.

Fees and Charges

Documents Required

• Identity proof such as Aadhar/PAN card, driver’s license.
• Address proof such as electricity/telephone bill, driving licence.
• Income proof For self-employed individuals – Later ITR (Income Tax Return).
  For salaried employees – salary slip of last two months & bank statement showing salary credits.

How To Apply?

Step 1: Visit the nearest branch or apply online through net banking.
Step 2: If applying online, go to the IDFC First Bank website at https://www.idfcfirstbank.com/credit-card.
Step 3: Click on the “personal banking” option, then choose the “Cards” tab.
Step 4: Click on “credit cards” and select the “apply” option on the credit card page.
Step 5: Fill in your primary details as required.
Step 6: A bank representative will contact you to guide you through the next steps of the application process.

List of Best IDFC Bank Credit Cards

IDFC FIRST Millennia Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits : Get 5% cashback on your first EMI spend up to Rs. 1000, and also receive welcome gift vouchers worth Rs. 500 when you spend Rs. 15,000 within 90 days of receiving your card.
Best Suited for: Lifestyle and Rewards

IDFC FIRST Classic Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits: Spend Rs. 15,000 or more within the first 90 days and receive a welcome gift voucher worth Rs. 500. Additionally, enjoy 5% cashback on your first EMI transaction within 90 days of receiving the card.
Best suited for: Travel

IDFC FIRST Select Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits: Enjoy welcome gifts worth Rs. 500 in the form of vouchers when you spend within 90 days of getting the card. Additionally, get a 5% cashback on EMI transactions within 30 days of card issuance.
Best suited for: Travel and Shopping.

IDFC FIRST Wealth Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits: Spend over Rs. 30,000 within 90 days and get Rs. 500 worth of gift vouchers from premium brands. Also, avail a 5% cashback on your first EMI transaction within the first 30 days.
Best suited for: Shopping and Lifestyle

IDFC FIRST WoW Credit Card
Joining Fee: Nil
Renewal Fee: Nil
Welcome Benefits: Get 5% cashback up to Rs. 1,000 on your first EMI transaction within 90 days of card activation.
Best Suited For: Dining and Shopping.