Customer Speak

Jayesh Panchal
I have won reward points on one of their programs. I really like it. Each month there are reward points run by the bank. I recommend IDFC credit card to everyone.
Litesh Jethani
I applied online and the card came seamlessly to me .I really like the reward system and the ease of converting the points to a lot of other vouchers.
Arshal John
Application process was very nice; from onboarding to the delivery of credit card everything was fast.
Sagar Vaniya
Offers are anytime better than other cards. It’s my high usage card.
Pawan Kumar
Very fast service, exciting rewards program and cashback along with attractive EMI options.

Frequently Asked Questions

Who can get IDFC FIRST Add-on Credit Cards?

An Add-on card can be given to your parents, spouse, children, siblings, friends, business partners or anyone in your circle and is above the age of 18 years. The card holder does not necessarily have to be related to you but must be someone you trust.

How many Add-on cards can be issued to a primary credit card?

A Maximum of 3 Add-on cards can be issued against one primary credit card. The primary card holder has to apply individually for each Add-on card

What Credit Card variant will be issued to Add-on Credit Card applicant?

Add-on applicant will be issued the same card variant as the Primary Credit Card holder.

What will be the Credit Limit on Add-on Credit Card?

The Credit and Cash Withdrawal Limit applicable on Primary Card Account is inclusive of all the Add-on cards. Primary Credit Card holder can set and modify the credit limit assigned to the Add-on Credit Card holder.

Is there any Joining/Membership fees for IDFC FIRST Bank Add-on Credit Cards?

There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Add-on Credit Cards

Will the Primary Credit Card holder earn reward points on spends done using Add-on Credit Card?

Yes, the Primary Credit Card holder will earn rewards points for all purchase transactions done on the IDFC FIRST Bank Add –on Credit Card. Reward structure for add-on credit card will be similar to that of Primary Credit card

Will the Add-on Credit Card holder be able to redeem the earned reward points?

No, all reward points will be accrued to the primary cardholder account and can be redeemed only by the Primary Card holder.

Will the Add-on card holder get the Welcome bonus/benefits available for Primary Card holder?

No, Add-on Credit Card holder cannot avail any Welcome benefits. Only the Primary Card holder can avail the Welcome Benefits once eligible.

What will be the Annual Rate of Interest on the Add-on Credit Card?

Annual Rate of Interest on Add-on Credit Card will be same as that on Primary Credit Card.

Will the Add-on Credit Card holder get the monthly Credit Card Statement and on which date of the month?

The Add-on credit card transactions will be part of the primary card holder's monthly statement. The Add-on credit card holder will not receive the statement

Who will be liable to repay the outstanding of the spends done on Add-on Credit Card?

The Primary Credit Card holder will be liable to clear outstanding amount on Add-on Credit Card/s.

More FAQs