IDFC FIRST Bank Credit Cards

Choose a suitable lifetime-free IDFC FIRST Bank Credit Card that matches your lifestyle needs and earn up to 3X reward points on all UPI payments. Benefit from low interest rates starting from just 9% p.a. and manage your financial requirements. Enjoy exciting welcome benefits, reward points on transactions, and more.

Before selecting a card, knowing the applicable charges is essential. While some IDFC FIRST Bank cards are lifetime-free credit cards, other variants charge specific fees. Refer to the following table to get more details about these charges:  

Check the features of each card to make a well-informed choice as per your usage requirements. Here are some essential points to note: 

IDFC ​FIRST Select Credit Card 

You can enjoy a number of benefits with this card, which has been crafted to suit different lifestyle needs. Enjoy benefits like: 

• Get a welcome voucher of ₹500 on spends of at least ₹5,000 within 30 days of issuance 

• Enjoy a cashback of 5% up to a maximum of ₹1,000 on the first EMI transaction initiated within 30 days of issuance  

• Get 'Buy One, Get One' offer on purchasing movie tickets via the Paytm mobile app, twice a month 

• Enjoy discounts of up to 20% at 1,500+ restaurants and offers on 300+ brands 

• Get up to 2 complimentary domestic airport lounge visits every quarter by spending ₹20,000 monthly 

IDFC ​FIRST Classic Credit Card 

This credit card may be suitable if you want value on transactions and reward points that don't expire. Here is what you get: 

• Receive a welcome voucher worth ₹500 on purchases of ₹5,000 or more within 30 days of issuance 

• Get a cashback of 5% of up to ₹1,000 on your first EMI transaction within 30 days of issuance  

• Earn up to 3X reward points on all UPI spends 

• Get a Personal Accident Cover of ₹2 Lakhs and Lost Card Liability Cover of ₹25,000 

• Enjoy a discount of 25% on movie tickets booked on the Paytm mobile app, worth up to ₹100 once a month  

IDFC ​FIRST Millennia Credit Card 

This credit card is tailor-made to meet the dynamic needs of millennial users. Here are the benefits: 

• Earn 10X reward points on all transactions exceeding ₹20,000 every month and on birthdays  

• Get a 25% discount of up to ₹100 once a month on booking movie tickets through the Paytm mobile app 

• Enjoy 4 free railway lounge visits per quarter 

• Get complimentary Roadside Assistance of ₹1,399 

• Enjoy fuel surcharge waiver of 1% up to ₹200 per month at fuel outlets across India 

• Benefit from discounts of up to 20% at 1,500+ restaurants and enjoy 300+ merchant offers all around the year 

IDFC ​FIRST Wealth Credit Card 

This card comes with premium privileges to offer users an exceptional experience, including: 

• Get a welcome voucher worth ₹500 on spending ₹5000 or more within 30 days of card issuance 

• Get 3X reward points on all purchases up to ₹20,000 in a statement cycle 

• Earn 10X reward points on exceeding spends of ₹20,000 in a statement cycle and on your birthday 

• Enjoy a low forex markup fee of just 1.5% (+GST) on your international spends. 

• Enjoy 2 free complimentary domestic airport lounge and spa visits along with 2 free complimentary overseas airport lounge visits per quarter on spending over ₹20,000 in a month 

• Get 'Buy One, Get One' offer on purchasing movie tickets via the Paytm mobile app twice a month 

IDFC FIRST Wow! Credit Card 

This lifetime-free credit card offers exciting benefits such as: 

• Instant approval without any credit history 

• Zero foreign mark-up charges for hassle-free trips 

• 4x rewards on all spends 

IDFC FIRST SWYP Credit Card 

This revolutionary EMI credit card comes with a host of benefits to enhance your spending experience. These include:  

• Milestone-based rewards with a chance to get up to 1000 points 

• Instance discount on lifestyle spends with providers including Zomato, EaseMyTrip, Domino’s, SUGAR Cosmetics, Tata CLiQ, and more 

• Waiver on annual fees on a successful referral  

IDFC FIRST Power Credit Card 

This fuel credit card lets you enjoy the following perks: 

• Get 2.5% savings as rewards on grocery & utility expenses and IDFC FIRST FASTag recharge 

• Save up 5% on fuel expenses 

• Earn 2X rewards on making transactions through UPI 

IDFC FIRST Power+ Credit Card 

FIRST Power+ Credit Card offers exclusive travel and fuel benefits. You can: 

• Save up to 6.5% on your fuel spends 

• Enjoy 5% savings on IDFC FIRST FASTag recharge 

• Save enough to buy over 175 litres of fuel 

IDFC FIRST EA₹N Credit Card 

This virtual credit card by IDFC FIRST Bank lets you save while you spend. Here are some of its benefits: 

• Get 1% cashback on UPI transactions through IDFC FIRST Bank’s mobile app 

• Book movie tickets on Paytm and enjoy 25% discount (up to ₹100) 

• Make the most of this secured card as it is backed by an FD that lets you earn up to 7.25% interest annually

Before applying for a credit card, check whether you meet the required parameters set by the bank. Here are some common eligibility criteria set for IDFC FIRST Bank credit cards: 

• You must be an Indian resident 

• You need to have a good credit score 

• You must be at least 18 years old  

• You must have a stable income and employment 

• You must qualify the income criteria of the type of card you select

In addition to the eligibility criteria, you must also check the documents required for the application process. Refer to the following table to see some of the common documents you could need:  

You could save significantly with the rewards program of IDFC FIRST Bank Credit Cards. Earn reward points on every transaction you make using your credit card, whether you opt for online or offline options.  

 

Redeem these points for discounts at select merchant payment transactions. Receive gift cards across various spending categories, such as shopping, dining, travelling, entertainment, and health and wellness. 

 

Here are the steps you need to follow to check your accumulated reward points: 

1. Log in to your net or mobile banking account  

2. Select the ‘Account’ tab and choose the ‘Cards’ option 

3. Click on ‘Credit Card’ to check your reward points

You can apply for an IDFC FIRST Bank Credit Card online from the comfort of your home. Here are the steps you need to follow to apply for a card: 

1. Click on ‘Check Offer’ on this page 

2. Check your eligibility by entering your profession, mobile number, and date of birth, then accept the terms and click on ‘Check Card Offer’ 

3. Complete the verification by entering the One-Time Password (OTP) sent to your registered mobile number 

4. Verify the pre-filled details, including your PAN number, PIN code, email address, and income information

You can contact the customer care team of IDFC FIRST Bank if you have any queries or grievances. Here are the various ways to connect: 

• Call: Give a call at 1800-10-888 

• WhatsApp: Send ‘Hi’ on 9555-555-555 

   

You can also connect via the IDFC FIRST Bank mobile app or by visiting the nearest branch.

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.