IDFC FIRST Bank Credit Card – Check Features, Benefits & Fees

IDFC FIRST Bank Credit Card – Check Features, Benefits & Fees

IDFC FIRST Bank Credit Card: Four credit cards are available from DFC FIRST Bank in a range of categories, notably rewards and lifestyle. These credit cards have been carefully chosen in order to meet the demands and specifications of its consumers. A comprehensive rewards points programme and lower interest rates are just a couple of the benefits that IDFC FIRST Credit Cards are proud to offer.(IDFC FIRST Bank Credit Card)

 

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Top IDFC FIRST Bank Credit Cards in 2022(IDFC FIRST Bank Credit Card)

Card Variant                                         Annual Fee                                                                          Suitable For
IDFC FIRST Millenia Credit Card              Lifetime                                                               Free Lifestyle and Rewards
IDFC FIRST Classic Credit Card                Lifetime                                                               Free Lifestyle and Rewards
IDFC FIRST Select Credit Card                 Lifetime                                                               Free Lifestyle and Rewards
IDFC FIRST Wealth Credit Card                Lifetime                                                              Free Lifestyle and Rewards

Key Features of IDFC FIRST Credit Cards

Four credit cards are available from the IDFC FIRST Bank in the lifestyle and rewards categories. These cards provide more than just a robust rewards programme; they also grant access to railway lounges, a remission of fuel surcharges, savings on cinema tickets, and specials at partner restaurants.(IDFC FIRST Bank Credit Card)

IDFC FIRST Rewards Credit Cards

IDFC FIRST Millenia Credit Card

1. 10x reward points on all spends above Rs.20,000.
2. 6x reward points on online spends.
3. 25% discount on movie tickets per month.
4. Personal Accident Cover of Rs.2 lakh.

IDFC FIRST Classic Credit Card

1. 3x reward points on offline spends.
2. 10x reward points on all spends above Rs.20,000
3. 25% discount on movie tickets per month.
4. Fuel surcharge waiver of 1% at all fuel stations.
5. 4 complimentary railway lounge visits per quarter.

IDFC FIRST Lifestyle Credit Cards

IDFC FIRST Select Credit Card

1. 10x reward points on birthday spends.
2. 4 Complimentary visits to domestic airport lounges.
3. Complimentary Personal Accident Cover of Rs.2 lakh.
4. A discount of up to 25% on movie tickets per month.

IDFC FIRST Wealth Credit Card

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

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

Type of Charge	Fee
Finance charge	0.75% – 3.99% per month
Annual fee	Nil
Joining fee	Nil
Late payment charges	15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000)
Cash advance fee	Rs.250
Over limit charges	Nil
Rewards redemption fee	Nil
Return of Cheque	Rs.250 per returned cheque
Fee of cash payment	Nil
Duplicate statement request	Nil

Card replacement fee	Rs.100
Chargeslip request	Nil
Cheque pick-up fee	Nil
Foreign currency mark-up	1.5% – 3.5%
Fuel surcharge	1% of the transaction amount (Waived up to Rs.400 per statement cycle)

Eligibility Criteria and Documents Required for IDFC FIRST Credit Cards

Address proof (any one)	Telephone bill Aadhaar card Electricity bill Rental agreement Passport Ration card
Proof of identity (any one)	Voter’s ID card Passport Ration card Aadhaar card Driving license PAN card
Income proof for self-employed individuals	Audit proof, balance sheet, or loss statement Business financial statements Latest Income Tax Returns (ITR)
Income proof for salaried individuals	Latest salary slip Salary certificate Employment letter

How to Apply for IDFC FIRST Credit Cards Online

Both the official IDFC Bank website and BankBazaar provide online applications for the IDFC FIRST credit card. You may verify your eligibility, add papers, and monitor the status of your applications all on BankBazaar’s website.(IDFC FIRST Bank Credit Card)

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

If you have applied on our website, you may check the status of your application on the BankBazaar website. The procedures are as follows:

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

You have the option of paying your credit card bill offline or online. To pay your bills online, choose from one of these options:

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 or IMPS 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.(IDFC FIRST Bank Credit Card)
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.(IDFC FIRST Bank Credit Card)
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.(IDFC FIRST Bank Credit Card)

Offline Bill Payment

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

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