IDFC FIRST Bank Credit Card

The IDFC FIRST Bank offers four credit cards which come under the categories of Lifestyle and Rewards. Along with a comprehensive rewards program, these cards also offer benefits such as fuel surcharge waiver, railway lounge access, discounts on movie tickets, and discounts on dining at partner restaurants.

IDFC FIRST Rewards Credit Cards

IDFC FIRST Millennia Credit Card

1. 10x reward points on all spends above Rs.20,000.
2. 3x reward points on applicable offline and online spends of up to Rs.2 lakh.
3. 25% discount on movie tickets per month.
4. Personal Accident Cover of Rs.2 lakh.
5. Earn 1x reward points on payment of insurance and utility bills.

IDFC FIRST Classic Credit Card

1. 3x reward points on online and offline spends of up to Rs.20,000 per month and any spending done on your birthday.
2. 10x reward points on all spends above Rs.20,000
3. 25% discount on movie tickets per month up to Rs.100 on the PayTM app.
4. Fuel surcharge waiver of 1% at all fuel stations.
5. Four complimentary railway lounge visits per quarter.

IDFC FIRST Lifestyle Credit Cards

IDFC FIRST Select Credit Card

1. 10x reward points on birthday spends.
2. Four Complimentary visits to domestic airport lounges.

1. Up to 20% off dining at 1,500 dining establishments
2. Buy 1 get 1 movie ticket if purchased through the PayTM mobile app. Earn a discount of up to Rs.250.

IDFC FIRST Wealth Credit Card

1. 10x reward points on birthday spends and on spending up to Rs.20,000.
2. Buy one get one movie ticket offer per month.
3. Complimentary rounds of golf.
4. Four complimentary visits to domestic and international airport lounge visits.

IDFC First WOW Credit Card

The IDFC First WOW Credit Card is a secured credit card which comes with a lot of features and benefits. The FIRST Wow Card is a 100% lifetime free card because there are NO Joining Fees or Renewal Fees associated with the card. Given below are some of the details of the card:

1. Lifetime free credit card
2. Unlimited reward points with lifetime validity

1. Get 4x reward points on every transaction 
2. 0% foreign transaction markup fee

1. Earn 3x reward points on all UPI payments. 
2. 100% cashback on the first four UPI transactions, up to Rs.200, or Rs.50 each. 
3. On applying for this card, get a new digital card issued instantly. 
4. Enjoy complimentary personal accident cover, roadside assistance, and fuel surcharge waiver.

Fees and Charges

The following are the fees and charges of IDFC First WOW Credit Card:

1. Joining Fee: Nil
2. Renewal Fee: Nil
3. Fuel Surcharge: 1% fuel surcharge waiver
4. Interest Rates: 0.75% to 3.5% per month
5. Add on Card Fee: Rs.499

Eligibility Criteria to Apply for IDFC FIRST WOW Credit Card

Given below are the eligibility criteria to apply for IDFC FIRST WOW Credit Card:

1. Age: The applicant should be at least 18 years of age to apply for IDFC FIRST WOW Credit Card.
2. Residency: He or she should be the resident of India and have permanent residential address within India.
3. Fixed Deposit: The applicant should have a fixed deposit with the IDFC FIRST Bank.

IDFC First Power Credit Card

IDFC First Bank has launched its first co-branded credit card. The bank has launched two cards by collaborating with Hindustan Petroleum Corporation Limited. IDFC HPCL First Power Plus Credit card helps the card holders to save up to Rs.7,000 every year. Apart from this, the card helps you in availing exciting deals and offers from various brands. Some of the details of the card are given below:

1. 2.5% off as IDFC FIRST FASTag recharge rewards; 2X off as rewards on other retail purchases
2. Save up to 5% on your fuel costs
3. Rs.1000 off Zoomcar rentals
4. Rs.250 cashback on your first HPCL fuel transaction of Rs.250 or more
5. 5% cashback (up to Rs.1,000) on the transaction amount of your first EMI conversion
6. Get up to 50% off on domestic and international car rentals with Eco Rent A Car and Europcar. Receive Rs.1,399 worth of free roadside assistance.
7. A Rs.2 lakh personal accident policy and a Rs.25,000 lost card liability policy
8. You can receive up to 10,000 Rewards by referring friends.

IDFC First SWYP Credit Card

With its array of benefits including reward points and discounts on well-known companies like Tata CLiQ, Zomato, and Dominos, the first-ever FIRST SWYP Credit Card from IDFC Bank brings innovation to the Indian credit card market and appeals especially to the younger age group. It is also possible to easily attach the card to your UPI apps for a nominal Rs.499 membership charge.

Features and Benefits of IDFC First SWYP Credit Card

1. 100% cashback on the first four UPI transactions, up to ₹200, or ₹50 each.

1. Monthly rewards for UPI spending: For every ₹5,000 spent on UPI during a statement month, you can earn 100 Reward Points.
2. When you spend more than Rs. 5,000 every month, you earn 200 reward points; when you spend more than Rs. 10,000, you earn 500 reward points; and when you spend more than Rs. 15,000, you earn 1000 reward points.
3. As a welcome gift, get a travel discount coupon of Rs. 21,000.
4. A mere Rs. 499 is the annual membership subscription charge.

IDFC Credit Card Reward Points

The following table highlights the reward benefits of all the IDFC First Bank credit cards:

Complimentary Lounge Access

The IDFC First Bank Credit Cards provides complimentary airport and railway lounge access. The following table mentions the information about the same:

To avail complimentary Railway Lounge Access, cardholders must now spend Rs.20,000 or more in the previous calendar month.

Key Benefits of IDFC FIRST Credit Cards

1. Interest - free cash withdrawal: With the IDFC FIRST credit card, you can withdraw cash from an ATM and not attract any interest for up to 48 days. This will be applicable for all the credit cards by the IDFC FIRST Bank.
2. Lower interest rates: IDFC FIRST Bank boasts of having among the lowest interest rates on their credit cards. Starting from 0.75% per month or 9% annually, the rate of interest can go up to 3.99% per month which is lower than many other credit cards by other banks.
3. Welcome benefits: With every credit card of IDFC FIRST Bank, receive welcome benefits of a gift voucher on spending Rs.15,000 within the first 90 days of card issuance.
4. Cashback benefits: 5% cashback given on your first EMI transaction with your IDFC FIRST Bank credit card done within the first 90 days of card issuance.
5. Insurance benefits: Get a Personal Accident Cover of up to Rs.10 lakh with your IFDC FIRST Bank credit card and a complimentary Lost Card Liability Cover of up to Rs.50,000.
6. Vehicle Benefits: IDFC FIRST credit cards come with a complimentary Road Side Assistance worth Rs.1,399.

IDFC FIRST Credit Card Fees and Charges

Important - It is essential to know that the fuel surcharge waiver per month will depend on the credit card you hold.

Eligibility Criteria and Documents Required for IDFC FIRST Credit Cards

How to Apply for IDFC FIRST Credit Cards Online

You can apply for the IDFC FIRST credit card online on BankBazaar, as well as, on the official IDFC Bank website. On BankBazaar, you can check your eligibility, upload documents, track application status, all under one website!

To apply for the IDFC FIRST Credit Card on BankBazaar, the steps to be followed are:

1. Visit BankBazaar IDFC First Credit Card Section.
2. Opt for a credit card which suits your spending pattern.
3. Click on the tab 'Check Eligibility'.
4. Fill in the required details which are required on the page.
5. Once done, you will be redirected to an application page.
6. Fill in all the details as required and click on 'Submit'.
7. Upload the documents as mentioned on the application and click 'Submit'.
8. After you have successfully provided all the required information, you will receive a message with your application ID.

You can also apply for the IDFC FIRST Credit Card through the official website of the bank. To do so, here are the steps you can follow:

1. Visit the website of IDFC FIRST Bank.
2. Click on the option of 'personal banking'.
3. Choose the tab called 'Cards'.
4. Click on 'credit cards'.
5. Select the option of 'apply' on the credit card page.
6. Once done, enter your primary details.
7. A representative of the bank will get in touch with you regarding the next steps to be followed.

How to Track your Application Status

You can track your application status through the BankBazaar website if you have applied on our website. The steps to be followed are:

Step 1: Visit BankBazaar.com and click on 'Track Application'.

Step 2: Enter your application ID, mobile number, and click on 'Track Application'.

Step 3: The screen will display the status of your application.

IDFC FIRST Credit Card Bill Payment

The credit card bill can be paid through offline or online methods. You can opt for any one of these methods to pay your bills online:

1. NetBanking: You can pay your credit card bill through the netbanking facility of the bank from the website or the mobile application.
2. NEFT/IMPS: If you do not have a netbanking account, you can transfer the bill amount to the bank through the NEFT (National Electronic Fund Transfer) or IMPS (Immediate Mobile Payment Service) facility.
3. Cheque: Apart from these options, you can also opt to pay your credit card bills with a cheque and drop it at any branch of the IDFC FIRST Bank.
4. Auto-debit facility: You can also make use of the auto-debit facility where the bill amount gets deducted from the bank account of the cardholder automatically.
5. UPI: With many people using the UPI system to pay their bills, you can also use the UPI code-based interface and pay your bills.

Offline Bill Payment

1. ATM: You can use the IDFC FIRST Bank ATMs to deposit your bill amount with your card.
2. Bank branch: Apart from this, you can also visit any branch of the IDFC FIRST Bank and deposit your bill amount.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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