IDFC FIRST Bank Credit Card - Benefits and How to Apply

IDFC First Bank offers credit cards with amazing features and rewards. Every IDFC FIRST Bank Credit Card comes with zero annual fees and lower interest rates. If you are looking for the best credit card with zero fees that can fulfill your needs and requirements, then the IDFC Bank Credit Card is the best option for you.

IDFC Bank Credit Cards boasts a rewards points program. It allows users to get the advantage of non-expiring reward points. The eligibility to apply for this card is very relaxed. In this guide, you will learn about IDFC Credit Cards, their features, interest rates, fees, charges, the application process, and how to make payment for IDFC FIRST Bank Credit Card.

Benefits of IDFC FIRST Bank Credit Cards

There are lots of amazing benefits that cardholders can get from IDFC Bank Credit Cards. Some key benefits are:

Lifetime free credit card
Super saver interest rate from 0.75% to 3.5% per month
6X rewards on online spending
10X rewards on monthly spending above Rs. 20,000
10X rewards on all birthday spend
No expiry of reward points
Shop using rewards points
Additional benefits of 25% off movie tickets once a month (via PayTM)
Free roadside assistance worth Rs. 1499
Upto 20% discount across 1500 restaurants
Insurance protection with personal accident cover and lost card liability cover

Eligibility Criteria for IDFC FIRST Bank Credit Card Apply

If you want to apply for IDFC Bank Credit Card, then you have to fulfil the eligibility that we listed below.

Salaried individuals of age 21 to 60 years
Self-employed people aged 25 to 65 years
The applicant with a monthly income of more than Rs. 30,000
Owners of other bank credit cards with limits above Rs. 50,000
The applicant should have a credit score above 710 with a clean past record
It is available for residents of 50 cities. Please Check the PIN code.

Documents Required for IDFC Bank Credit Card

You have to submit some documents for a successful application for IDFC FIRST Credit Card. Some necessary documents for IDFC FIRST Bank Credit Card apply are:

Identity Proof:

Aadhar Card
PAN Card
Voter ID Card
Driving Licence
Passport

Address Proof:

Aadhar Card
Passport
Voter ID Card
Driving license
Utility bills
Property Tax Receipt
Rent agreement
Government-approved house allotment letter

Income proof for salaried Individuals:

Audit proof
Balance sheet
Profit or loss statement
Business financial statements
Income Tax Return

Income proof for Salaried Individuals:

Salary Slip
Salary Certificate
Bank Statement
Employment letter

Best IDFC Bank Credit Cards of 2023

IDFC Bank started providing credit cards in the year 2021. It offers IDFC First Bank Credit Cards for both high-end and middle-class customers. Most credit cards have zero annual and membership fee which also provides extra rewards points on every shopping. We have listed some Top IDFC credit cards with their fees and eligibility.

1. IDFC FIRST Classic Credit Card

Best for Rewards and Shopping

IDFC First Classic Credit Card is a lifetime free card that offers 10X rewards on spending more than Rs. 20,000. For new customers, it provides a welcome bonus of Rs. 500 which can be redeemed for entertainment and lifestyle.

You can earn 2.5% returns on your spending through this credit card. It is best for those who want a zero-fee card with amazing benefits and lower interest rates.

Features of IDFC First Classic Credit Card:

Welcome bonus of Rs. 500 on spending of more than Rs. 20,000
5% cash back on the first EMI transaction
3X rewards points on offline spending of Rs. 150
6X rewards points on online spending of Rs. 150
25% discount on movie tickets
1% fuel surcharge waiver

2. IDFC FIRST Millenia Credit Card

Best for Rewards and Shopping

IDFC FIRST Millenia Credit Card is the best IDFC credit card option for customers who want a credit card with zero fees, lower interest rates, and amazing rewards. To get this card, you don’t need to pay any joining or annual fee.

Features of IDFC FIRST Millenia Credit Card:

10X reward points on purchases of more than Rs. 20,000
6X reward points on online and offline spending
25% discount on movie tickets
Accidental cover of Rs. 2 lakh

3. IDFC FIRST Select Credit Card

Best for Rewards and Online Shopping

This card is a lifetime free credit card which is the best option for customers looking for superior rewards, travel benefits, and other offers.

Features of IDFC FIRST Select Credit Card

The interest rate of 9% to 42% per year
Minimum cash withdrawal fee of Rs. 250
Welcome gift voucher of Rs. 500 on the spending of Rs. 15,000 within 90 days after the activation of the card
Earn 5% cash back on the first transaction made within 90 days after activation of the card
10X reward points for spending on a birthday
4 visits to domestic airport lounges
Personal accidental cover of Rs. 2 lakh
25% discount on transactions for movie tickets

4. IDFC FIRST Wealth Credit Card

Best for Rewards, Travel, and Entertainment

IDFC FIRST Wealth Credit Card is an exclusive card that is provided to high-end customers by IDFC First Bank. It is a lifetime free credit card that offers amazing rewards, and travel benefits with lower interest rates.

Features of IDFC FIRST Wealth Credit Card:

The lower interest rate of 9% to 42% per annum
Minimum cash withdrawal fee of Rs. 250
Welcome gift voucher of Rs. 500 for spending more than Rs. 15,000
5% cash back on the first EMI transaction made through this card
10X reward points for spending on a birthday
1+1 offers on movie tickets

5. IDFC FIRST WOW Credit Card

Best for Lifestyle and Rewards

It is the best IDFC FIRST Credit Card for customers to earn extra rewards on travel and dining purchases. It also comes with zero annual fees and lower interest rates.

Features of IDFC FIRST WOW Credit Card

Lifetime free credit card
Lots of reward points with no expiry date
4X reward points for every transaction
1% fuel surcharge waiver
20% discount on transactions at 1500 restaurants
15% discount on transactions at 3,000 health and wellness stores
Personal Accidental Insurance cover

Easy Apply for IDFC FIRST Bank Credit Card

Fees and Charges for IDFC FIRST Bank Credit Card

IDFC FIRST Credit Card comes with zero annual and membership fees. But there are some fees that apply for other things like interest rates, cash advance fees, etc. You can know about the fees and charges of IDFC credit cards from the table below:

Charges	IDFC FIRST Classic Credit Card	IDFC FIRST Millenia Credit Card	IDFC FIRST Select Credit Card	IDFC FIRST Wealth Credit Card	IDFC FIRST WOW Credit Card
Joining fee	Nil	Nil	Nil	Nil	Nil
Annual fee	Zero	Zero	Zero	Zero	Zero
Finance Charges	0.75% to 2.99% every month	0.75% to 2.99% every month	0.75% to 2.99% every month	0.75% to 2.99% every month	0.99% every month
Rewards Redemption fee	Zero	Zero	Zero	Zero	Zero
Foreign Mark-up fee	3.5% on the amount for conversion	3.5% on the amount for conversion	1.99% on the amount for conversion	1.5% on the amount for conversion	Nil
Interest Rates	0.75%	0.75%	1.25%	3.5%	0.75%
Cash Advance Charges	Rs. 250	Rs. 250	Rs. 250	Rs. 250	Rs. 250
Fuel surcharge	1% surcharge waiver	1% surcharge waiver	1% surcharge waiver	1% surcharge waiver	1% surcharge waiver
Add-on card fee	Nil	Nil	Nil	Nil	Nil

How to Apply for IDFC FIRST Credit Card?

There are two ways for the IDFC FIRST Bank Credit Card Apply. First, you can apply by visiting your nearest IDFC Bank. Second, you can apply online. Here, we are going to share steps for IDFC FIRST Bank Credit Card Online Apply.

IDFC FIRST Bank Credit Card Apply Online

Visit the official website of IDFC FIRST Bank.
Go to the ‘personal banking’ section
Select the ‘credit card’ option.
Now click on the ‘apply for a new credit card’ button.
Choose your card and enter the required details.
Complete the formalities and then your application will be successful.
After some time, you will receive a notification from IDFC Bank regarding your credit card application.

How to check IDFC FIRST Bank Credit Card Application Status?

After you apply for IDFC first credit card, you can check its status by just following the simple steps mentioned below:

Go to IDFC Bank’s official website.
Visit the homepage.
Select the customer service option and click on service request.
Now choose ‘Track of Complaints and Request’
Enter your application number and click on track.
After that, you will get your IDFC FIRST Bank credit card status.

How to make IDFC FIRST Bank Credit Card Payment?

There are two different ways to pay IDFC credit card bills. Either you can pay it offline or online. Below are the methods to pay bills online.

Cheque: You can fill out a cheque by entering the credit card bill amount and dropping it at the nearest IDFC First Bank.
Netbanking: Netbanking is the most used option to pay credit card bills online. It can be accessed through an official website or mobile banking application.
Auto-debit facility: You can activate the auto-debit facility by which your credit card bill will be automatically deducted from the balance of your bank account.
NEFT/IMPS: This is the best option to pay credit card bills for those who don’t have access to Internet banking.
UPI: You can also use UPI apps or UPI systems to pay credit card bills through mobile.

Pay IDFC Credit Card Bill Offline

If you don’t want to use an online method to pay credit card bills, then you can use other methods.

Bank Branch: You need to visit your nearest IDFC First Bank to pay the credit card bill.
ATM: The other option is to visit the ATM and pay the IDFC credit card bill through the card.

IDFC FIRST Bank Credit Card Customer Care Number

IDFC Bank also provides customer care support to help customers facing issues regarding IDFC Bank Credit Cards. So, you can contact IDFC Bank’s customer care representative through the number listed below and get your queries solved.

IDFC FIRST Bank Credit Card Phone Number:

18605009900

Conclusion

IDFC FIRST Bank Credit Card is the very best and most useful credit card which comes with zero annual and membership fees. Nowadays, most banks started providing credit cards to existing or other customers. But some cards come with hidden charges which get included in the credit card bill amount. IDFC Credit Card has no hidden charges and it clearly mentions the charges they cost for different services.

IDFC FIRST Bank Credit Card

If you are looking for the best credit card with zero fees, amazing rewards, and lower interest rates, then you can opt for the IDFC FIRST Bank Credit Card. You can easily apply for this credit card by visiting the nearest IDFC Bank or through the official website of the bank. There are no very high requirements and eligibility to apply for this card. So, you can easily apply by using any method.

I hope you enjoyed this post and got valuable information about the IDFC FIRST Bank Credit Card. Now, we are leaving and will come back with other good information. Thanks for reading.