IDFC FIRST Bank Credit Card Apply 2024 – Types, Details & Benefits

IDFC FIRST Bank Credit Card Apply 2024 – Types, Details & Benefits: Hello friends, in this post today we take information about the credit card of IDFC Bank.

With the help of credit card, you can do any type of online and offline shopping. The benefits of IDFC credit card are many. In this article, we will know in detail what is IDFC Bank credit card, eligibility for it, what are the documents and how can we apply for credit card etc., so you read this article till the end.

IDFC FIRST Bank Credit Card Details

Before applying for IDFC Credit Card, you need to know what is a credit card. A credit card is a financial instrument that allows customers to transact without making immediate payments. A limit is given by the bank in the credit card, which is called Credit Card Limit. You cannot transact more than this limit.

This limit is given to the customer on the basis of his CIBIL score, income, credit history. If your credit score is very good and your income is very high then you can get more money limit. You can apply for IDFC Bank Credit Card both online and offline. The bank provides a variety of offers, benefits to the customers with the credit card.

According to the needs of the customers, the bank offers various types of credit cards to the customers. You can apply for the credit card you want to take advantage of. IDFC Bank provides IDFC Lifetime Free Credit Card to the customers i.e. you do not have to pay any joining / membership / annual fee of any kind.

IDFC First Bank Credit Card Types

Here information is given about the types of credit cards provided by the bank (IDFC Credit Card Types). You can apply for the credit card you want to take advantage of. IDFC First Bank Credit Card Benefits are different for different cards. The following are the types of credit cards:

• IDFC FIRST Millennia Credit Card
• IDFC FIRST Classic Credit Card
• IDFC FIRST SELECT Credit Card
• IDFC FIRST Wealth Credit Card

IDFC First Millennia Credit Card:

This credit card has been started for the customers for Millennial lifestyle. With its 10X reward points, low interest rates and amazing merchant discounts, this card brings you a host of benefits. You do not have to pay any annual fee on this credit card or have a Life Time Free Credit Card.

Benefits and Features:

• 20,000 Rs. Avail 10X Reward Points for spending more than Rs.
• 20,000 Rs. 6X and 3X reward points on online and offline purchases, respectively, for every month you spend.
• Avail 25% off on movie tickets up to Rs.100 on Paytm Mobile App.
• 4 Complimentary Railway Lounge visits per quarter.
• 1% off on fuel surcharge up to Rs.200 per month at all fuel stations across India.
• On IDFC FIRST Millennia Credit Card, the bank offers personal accident cover of Rs.2 lakh and lost card liability cover of Rs.25,000 to the customers.

Read Also: Bank of India Credit Card Apply

IDFC First Classic Credit Card:

This IDFC First Bank Credit Card offers you many benefits like super rewarding! 10X reward points, great discounts, insurance cover, low interest rates etc. The benefits and features of this card are as follows:

Benefits and Features:

• Avail 10X Reward Points for spending more than Rs.20,000 per month.
• 6X and 3X reward points on online and offline purchases up to Rs.20,000 per month.
• Avail 25% off on movie tickets up to Rs.100 on Paytm Mobile App.
• 4 Complimentary Railway Lounge visits per quarter.
• 1% off on fuel surcharge of Rs.200 per month at all fuel stations across the country.
• Personal accident cover of Rs 2 lakh and lost card liability cover of Rs 25,000

IDFC First Select Credit Card:

The bank provides this card to the customers with better reward programs, travel allowances and great offers. You can avail this IDFC FIRST Bank Credit Card with no unnecessary charges and minimum interest rates. The benefits and features of this card are as follows:

Benefits and Features:

• 10X Reward Points on spending above Rs.25,000 per month.
• 6X and 3X reward points on online and offline purchases of Rs.25000 per month.
• 250 on Paytm Mobile App. Avail the “Buy One, Get One” offer on movie tickets up to Rs.
• 4 Complimentary Domestic Airport Lounge visits per quarter.
• 4 Complimentary Railway Lounge visits per quarter.
• 1% off on fuel surcharge up to Rs.300 per month at all fuel stations across the country.
• Get the benefit of air accident cover of Rs 1 crore.
• Personal accident cover of Rs.5 lakh and Rs.50,000/-. Loss of Card Liability Cover.
• Travel insurance cover of Rs 22,500.

Read Also:Citibank Credit Card Apply

IDFC First Wealth Credit Card:

Avail this IDFC Credit Card with evergreen rewards, lowest interest rates, exclusive lifestyle and travel benefits. The benefits and features of this IDFC credit card are as follows:

Benefits and Features:

• Get 10X Reward Points on every spend above Rs.30,000 per month.
• 30,000 per month on online and offline purchases. 6X and 3X reward points on spends up to Rs.
• Best in class forex mark-up only 1.5%
• Access to international and domestic airport lounges and spas.
• Benefit of interest free cash withdrawal anywhere in the world.
• Comprehensive travel insurance and air accident cover.
• 500 on Paytm Mobile App. Avail the ‘Buy One, Get One’ offer on movie tickets up to Rs.
• 4 complimentary domestic and international airport lounges, benefit of spa visits per quarter.
• 2 complimentary golf rounds per month.
• 1% off on fuel surcharge up to Rs.400 per month at all fuel stations across India.
• Air accident cover of Rs 1 crore.
• Personal accident cover of Rs.10 lakh and Rs.50,000/-. Loss of Card Liability Cover.
• Comprehensive travel insurance cover of USD 1200.

Read Also: ICICI Credit Card Apply

Benefits of IDFC First Bank Credit Card

The benefits of IDFC Bank credit card are many. There may be different benefits and features for different credit cards. Here is the information about the benefits offered by the bank on the credit card:

• No annual fee, avail IDFC Life Time Free Credit Card.
• 500 for spending Rs.15000 or more within 90 days of card making. Welcome Voucher.
• 5% cashback (up to Rs.1000) on the transaction value of the first EMI within 90 days of card generation.
• Avail 300+ merchant offers, up to 20% off at 1500+ restaurants and up to 15% off at 3000+ health & wellness outlets throughout the year.
• Complimentary Roadside Assistance worth Rs.1399.
• Unlimited reward points that never expire.
• Use reward points to pay for online or in-store purchases instantly.
• Convert transactions above Rs 2500 into EMI.
• Balance transfer facility from other credit cards.
• You can make interest free cash withdrawals from domestic and international ATMs for up to 48 days (cash advance charges only Rs.250 per transaction).
• OVL Fee – Rs.500 2.5% of the over-limit amount subject to a minimum fee of Rs.
• Late Payment Fee – 15% of the total amount payable (Subject to a minimum of Rs.100 and a maximum of Rs.1250).
• Forex markup at 3.5% for all international transactions.
• International and Domestic Cash Advance Fee – Rs.250.
• Personal accident cover up to Rs 10 lakh.
• You can check IDFC Credit Card Offers offline by visiting the bank’s official website online or by visiting your nearest bank branch.

IDFC Credit Card Charges

The bank charges various types of charges on the credit card. These charges can be different for different credit cards. This credit card is a Lifetime Free Credit Card for which you do not have to pay any joining or membership or annual fee. You can see other charges on credit card here:

Joining Fee , Annual Fee & Add-on Card Fee (For All Cards)	Zero
Purchases , cash advances and outstanding dues	Monthly Rate – 0.75% – 3.5% Annual Rate – 9% – 42%
Overdue interest	Monthly Rate – 3.99% Annual Rate – 47.88%
Cash Advance – Transaction Fee	250 rupees
Late payment fee	15% of the total amount payable ( minimum Rs.100 and maximum Rs.1250 )
International and Domestic Cash Advance Fees	250 Rs.
OVL fee	500 Rs. 2.5% of the over-limit amount subject to a minimum fee of Rs.
FX Markup	1.99%
Over-limit charges	2.5% of the over-limit amount ( subject to a minimum fee of Rs.500)
Check Return / Auto Debit / Payment Refund	250 Rs. Check/Auto Debit/Pay Refund Per Return
Reward redeem fee	Zero
Fee on cash payment at branches	Zero
Outstation check processing fee	Zero
Duplicate statement request	Zero
Card replacement fee	Rs.100 to Rs.4000 (different for different cards)
Check/cash processing fee	Zero
Charge slip request	Zero
Markup Fees on Forex Transactions	First Millennia Credit Card , First Classic Credit Card – 3.5% First Select Credit Card , Employee Select Credit Card – 1.99% First Wealth Credit Card – 1.5% First WOW Credit Card , First Personal Credit Card – Nil
EMI charges	1% of the transaction value ( minimum Rs.99 )
For more information	Click Here

Eligibility for IDFC Credit Card

Only those persons can apply for the credit card who are eligible for it. IDFC Bank offers several types of credit cards, in which IDFC credit card eligibility may vary. Following are the eligibility to apply for credit card:

• Applicant’s age should be 21 years or above.
• Applicant must be an Indian resident.
• You must have a current and permanent residential address inside India.
• Your credit score should be very good. Generally a score of 750 or above is considered a good score.
• Applicants must have a minimum monthly income of Rs 25,000  or more (subject to change).
• Other eligibility.

Read Also:Tamilnad Mercantile Bank Business Loan

Documents Needs for IDFC FIRST Bank Credit Card 

Before applying for a credit card, you should keep all your necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. Documents can be different for different credit cards. You can also get more information about the document by visiting your nearest bank branch. Following are the documents required to apply for IDFC Bank Credit Card:

• Proof of Identity (Any one): Voter ID Card, PAN Card, Passport, Aadhar Card, Ration Card, Driving License etc.
• Address Proof (Any One): Electricity Bill, Aadhar Card, Telephone Bill, Passport, Ration Card, Rental Agreement etc.
• Income proof for self-employed individuals: audit proof, balance sheet, or loss statement, business financial statement, latest income tax return (ITR).
• Income Proof for Salaried Persons: Latest Salary Slip, Salary Certificate, Employment Letter.

How to Apply IDFC Bank Credit Card?

If you fulfill all the conditions of IDFC Credit Card, then you can apply for it both online and offline. Follow the steps given below to apply:

Steps for Apply Online IDFC Credit Card

• To apply online, you have to first go to the official website of the bank, idfcfirstbank.com.
• On the home page of the website, you will see all the credit card types in the Cards section.
• Click on the credit card you wish to apply for.
• On the next page, all the information related to that credit card will come in front of you.
• Click on Apply Now option to apply.

• A form will open in front of you.
• In this, you have to enter the requested information and submit the form.
• After this the bank officials will contact you and further process will be issued.

How to apply offline?

• To apply offline, you have to first go to your nearest IDFC Bank branch.
• Go to the bank branch and contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You will be given a form.
• The form has to be filled and the documents have to be submitted in the bank.
• If you fulfill all the conditions of the credit card then you will be issued a credit card.

How to check IDFC Credit Card Status?

If you have applied for a credit card then you can track the status of your application both online and offline. You can track the application status offline by visiting your nearest bank branch. Apart from this, you can also know the status of the application by calling the IDFC First Bank Credit Card customer care number. Follow the steps given below to track online:

• To track online, first you have to visit the official website of the bank.
• After coming to the website, you have to go to the option of Track My Application Status.
• As soon as you click on this link a form will open in front of you.
• In this, you can track the status of your application by entering your date of birth, mobile number or application number.

How to make IDFC Credit Card Payment?

As we told you that a limit is given by the bank in the credit card. You can do transactions up to this limit. After a period, you have to pay the money back to the bank, which can be called credit card payment. If you do not pay your credit card bills on time, then your CIBIL score can get very bad.

You can pay your credit card bill both online and offline. Offline you can do it by visiting your nearest bank branch. Information about the methods of making online payment is given here. There are several options for making credit card payments, which are explained in detail here:

• Payment by Net Banking or Debit Card: You can pay the bill with the help of Net Banking or Debit Card using the account of your choice in the bank.
• Internet Banking – For IDFC First Bank App Users: You can easily pay bills through Internet Banking anytime and from anywhere. For this, you have to log in to Internet Banking and make the payment.
• Internet Banking – For IDFC First Bank Mobile Banking (Old) App Users: Login to Internet Banking and pay your Credit Card Bill from anywhere, anytime.
• Through UPI: You can make instant payment through UPI. You can pay bills through any UPI-enabled banking app.
• IMPS/NEFT Payment: You can also pay your credit card bill using fund transfer option.

IDFC Credit Card Customer Care No.

If you are facing any kind of problem in making a credit card, then you can get information by calling the customer care number of the bank.

Toll Free No. : 1860 500 1111 / 1800 10 888

My Last Word:

Hope friends, you have found this article informative..In this article, we have provided you complete information about IDFC FIRST Bank Credit Card. Any person who needs a credit card can connect with IDFC First Bank Credit Card.

Some FAQ’s Related to IDFC Credit Card