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. Offers gift voucher worth Rs.500 from brands such as Amazon, Uber, BigBasket and Lifestyle on spending Rs.50,000 or more within 30 days of card generation. 

1. Offers cashback of 5% (up to Rs.1000) on the first EMI transaction within 30 days of card generation. 

1. 1% fuel surcharge waiver of up to Rs.200 for fuel transaction of Rs.200 and Rs.5000. 

1. Discount of 20% and 15% at more than 1500 restaurants and more than 3000 health and wellness outlets, respectively. 

1. Complimentary four railway lounge access across India every quarter. 

1. 25% discount on movie tickets per month. 

1. Personal Accident Cover of Rs.2 lakh and lost card liability cover of Rs.25,000. 

1. Offers 100% cashback of up to Rs.50 each on the first four UPI transactions. 

1. Earn 3X reward points on spendings via UPI. 

IDFC FIRST Classic Credit Card

1. Offers gift voucher worth Rs.500 from brands such as Amazon, Uber, BigBasket and Lifestyle on spending Rs.5000 or more within 30 days of card generation. 

1. Offers cashback of 5% (up to Rs.1000) on the first EMI transaction within 30 days of card generation.
2. 3x reward points on spending of up to Rs.20,000 per statement cycle

1. 10x reward points on all spends above Rs.20,000 

1. 25% discount on movie tickets per month up to Rs.100 on the District by Zomato mobile app

1. Fuel surcharge waiver of 1% at all fuel stations. 

1. Discount of 20% and 15% at more than 1500 restaurants and more than 3000 health and wellness outlets, respectively. 

1. Earn 1x reward points on payment of insurance and utility bills. 

1. Offers 50X and 20X reward points on hotel and flight bookings, respectively. 

1. Four complimentary railway lounge visits per quarter. 

IDFC FIRST Lifestyle Credit Cards

IDFC FIRST Select Credit Card

1. Offers gift voucher worth Rs.500 from brands such as Amazon, Uber, BigBasket and Lifestyle on spending Rs.5000 or more within 30 days of card generation. 

1. Offers cashback of 5% (up to Rs.1000) on the first EMI transaction within 30 days of card generation. 

1. 3X reward points on spending Rs.20,000 in a statement cycle. 

1. 1X reward points on utility and insurance premium payments. 

1. 50X and 20X reward points on hotel and flight bookings, respectively. 

1. 25% discount on movie tickets per month up to Rs.100 on the District by Zomato mobile app. 

1. Fuel surcharge waiver of 1% at all fuel stations. 

1. Discount of 20% and 15% at more than 1500 restaurants and more than 3000 health and wellness outlets, respectively. 

1. 10x reward points on birthday spends. 

1. Two Complimentary visits to domestic airport lounges. 

1. Four complimentary railway lounge access every quarter. 

1. Free trip cancellation coverage of up to Rs.10,000. 

1. Up to 20% off dining at 1,500 dining establishments 

1. Air accident cover, personal accident cover and lost card liability cover of Rs.1 crore, Rs.5 lakh, and Rs.50,000, respectively. 

1. Offers travel insurance coverage 

1. 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe 

1. Discounts on meet and greet services at more than 450 airports across the globe. 

1. Discounts on limousine services and travel concierge services. 

1. Buy 1 get 1 movie ticket of up to Rs.125 if purchased through the District by Zomato mobile app 

IDFC FIRST Wealth Credit Card

1. Offers gift voucher worth Rs.500 from brands such as Amazon, Uber, BigBasket and Lifestyle on spending Rs.5000 or more within 30 days of card generation. 

1. Offers cashback of 5% (up to Rs.1000) on the first EMI transaction within 30 days of card generation. 

1. Free trip cancellation coverage of up to Rs.10,000. 

1. Four complimentary railway lounge access every quarter. 

1. 2 complimentary golf rounds or lessons every month on spending more than Rs.20,000 in a statement cycle. 

1. Fuel surcharge waiver of 1% at all fuel stations. 

1. Air accident cover, personal accident cover and lost card liability cover of Rs.1 crore, Rs.5 lakh, and Rs.50,000, respectively. 

1. Offers travel insurance coverage 

1. Complimentary 3rd night for every 2 consecutive paid nights booked at Elivaas’ properties and ITC hotels or 50% off on 2nd night. 

1. Complimentary meet and greet service; and flat 10% discount on meet-and-greet service. 

1. Offers luxury hotel benefits, discounts at airport transfers, personalised concierge, and curated dining programs. 

1. 10x reward points on birthday spends and on spending up to Rs.20,000. 

1. 3X reward points on spending Rs.20,000 in a statement cycle. 

1. Offers 8000 bonus travel rewards every month on flight and hotel bookings. 

1. 50X and 20X reward points on hotel and flight bookings, respectively. 

1. Buy one get one movie ticket offer per month.

1. Two 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. Earn 1X reward points on utility bill and insurance premium payment. 
3. 100% cashback on the first four UPI transactions, up to Rs.200, or Rs.50 each.
   

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: 0.71% to 3.85% 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 of a minimum amount of Rs.20,000.

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. Welcome benefit of Rs.2,250. 
2. 2.5% off as IDFC FIRST FASTag recharge rewards; 2X off as rewards on other retail purchases and UPI transactions.
3. Save up to 5% on your fuel costs
4. Savings of 8.67% on hotel and flight bookings via IDFC FIRST Mobile app.
5. Savings of 2.5% on grocery and utility expenses.  
   
6. Rs.250 worth benefit on your first HPCL fuel transaction of Rs.250 or more
7. 5% cashback (up to Rs.1,000) on the transaction amount of your first EMI conversion
8. 50X and 30X bonus reward points on hotel and flight bookings, respectively. 
9. A Rs.2 lakh personal accident policy and a Rs.25,000 lost card liability policy
10. 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. Amazon voucher worth Rs.500 on spending Rs.5000. 

1. 20% instant discount on Zepto, Zomato, MakeMyTrip, Dominos, Nykaa, etc. 

1. Offers 1000 reward points on the first EMI conversion. 

1. Discount coupon of Rs.1,500 from MakeMyTrip (10% off on domestic flights and 20% off on domestic hotels).  

1. Discount coupon of Rs.2,100 from EaseMyTrip (10% off on flight tickets and Rs.700 off on domestic hotels on minimum booking of Rs.4000) 

1. Complimentary Lenskart Max Gold membership worth Rs.800. 

1. Offers 100 reward points on every Rs.5000 spend via UPI per statement month. 

1. Offers 15 and 35 reward points on every Rs.100 spent on flight and hotel bookings, respectively. 

1. 1% fuel surcharge waiver. 

1. 25% discount on movie tickets 

1. Four complimentary railway lounge access every quarter. 

1. Complimentary roadside assistance of Rs.1,399. 

1. 10% discount on Zomato order above Rs.299 valid twice a month. 

1. 10% discount on TATA CLiQ FASHION order above Rs.999 valid once a month. 

1. 20% discount on Sugar order above Rs.1,250 valid once a month. 

1. 20% discount on Dominos order above Rs.299 valid twice a month. 

1. 10% discount on Nykaa order above Rs.3000 valid once a month. 

1. 20% and 10% discount on hotel and flight bookings via Goibibo per month per category. 

1. 10% discount on Zepto orders above Rs.499 valid once a month. 

1. 10% discount on Myntra FWD order above Rs.850 valid once a month. 

1. 10% discount on hotel or flight bookings via EaseMyTrip above Rs.5000 valid once a month.
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. A mere Rs. 499 is the annual membership subscription charge.
   

IDFC FIRST 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

The benefits of IDFC FIRST credit cards are listed below: 

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.

Key Changes on Features of IDFC FIRST Credit Card 

Here are some of the key changes of IDFC FIRST credit card from 20 February 2025: 

1% Fee on Education Fee Payments via Third-Party Platforms 

1. A 1% fee (minimum Rs.249) applies when paying education fees through platforms like CRED, Paytm, Cheq, MobiKwik, etc. 

1. No fee is paid directly through the institute’s website or POS machine. 

1. Reward points will still be earned based on the card variant. 

1% Fee on Fuel Spends Above Rs.30,000 per Statement Cycle 

1. If fuel spends exceed Rs.30,000 in a billing cycle, a 1% fee applies on the entire amount (not just the excess). 

1. Fuel surcharge waiver capped at Rs.300 per cycle for Ashva, Mayura, FIRST Wealth cards. 

Revised Annual Interest Rate Range 

1. New APR range: 8.5% to 46.2% p.a. 

1. Earlier range: 9% to 43.8% p.a. 

1. No change for FIRST SWYP Credit Card. 

Minimum Spend for Complimentary Railway Lounge Access 

1. From 20 February 2025, minimum Rs.20,000 spend in the previous month required for free railway lounge access in the current month. 

1. E.g., Spend Rs.20,000 in March 2025 and access in April 2025. 

1. Amenities at lounges: Wi-Fi, meals, snacks, beverages, seating, charging points, and sometimes showers. 

1. Availability and number of free visits depend on card variant. 

Fee on Add-On Cards (Joining plus Annual fee) 

1. From 20 February 2025, Rs.499 plus GST joining and annual fee applies on new add-on cards. 

1. No fee for add-on cards issued before that date. 

1. Exempt for Ashva, Mayura, FIRST Private cards. 

1. Add-on cards enjoy the same benefits as primary cards (e.g., rewards, discounts, milestone spends). 

Credit Card Replacement Fee Revised 

1. New replacement fee: Rs.199 plus GST. 

1. No fee change for metal cards (Ashva, Mayura, FIRST Private) and digital cards (FIRST Digital, FIRST EARN). 

Image Personalisation Fee 

1. From 20 February 2025, image personalised cards will incur Rs.499 plus GST (joining + annual fee). 

1. Not applicable to image cards created before that date. 

1. Available only on select variants; users can upload their own image or choose from gallery. 

Note: None of the above changes apply to the FIRST Private Credit Card. 

IDFC FIRST Credit Card Fees and Charges

The fees and charges applicable on IDFC FIRST credit cards are listed in the table below: 

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

Eligibility Criteria to Apply for IDFC FIRST Credit Card

The customers must fulfil the below-mentioned eligibility criteria to avail themselves of IDFC FIRST credit cards. The eligibility criteria may vary depending on the card variants: 

1. Customers must of 18 years of age or above. 

1. Indian or non-Indian residents 

1. Both salaried and self-employed are eligible. 

1. Minimum income criteria vary depending on the card variant. 

Documents Required for IDFC FIRST Credit Cards

The list of documents required to apply for IDFC FIRST credit card are mentioned in the table below: 

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.

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