Top reasons why our customers love this credit card
* For more details on benefits and privileges, please visit our website
+ More reasons to love the card
For more details on credit card features and TnCs, please visit our website
*T&C Apply
Top 3 reasons why our customers love this credit card
-
Lifetime free with zero documentation -
Low interest rates starting from 9% p.a. -
* includes 1% fuel surcharge waiver. For more details on privileges, please visit our website
+ More reasons to love the card
*For more details & exclusions on reward points, please visit our website
*T&C Apply
Customer Speak
Have questions? Here are the answers!
There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Credit Cards.
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date.
IDFC FIRST Bank offers an interest rate of 0.75% - 3.5% per month. Typically banks charge 3.5% per month
You will earn rewards points for all purchase transactions* done on your IDFC FIRST Bank Credit Card.
*Transactions that will not accrue reward points: 1) Cash Withdrawal 2) Transactions done on fuel and insurance categories 3) Transactions which are converted to EMI
For every Rs 150 spent, you will get 3X reward points for online & offline spends on select categories and 10X reward points on all incremental spends above threshold
For all credit cards, please note:
Reward program is not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental & property management, education, wallet load & government services spends will not be a part of 10X reward program and threshold. However, such transactions will earn 3X reward points
1X Reward point = ₹ 0.25
You will earn Welcome voucher worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.
You do not need a minimum number of reward points to start redeeming your rewards.
Currently, there are no charges for reward redemption. Effective 1st October, 2022, Reward redemption through any redemption channel will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card
Merchant EMI conversions' are transactions converted into Equal Monthly Instalments (EMI) by the merchant at the time of the transaction. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product. 5% cashback (up to Rs 1000) on the transaction value of first EMI done within 30 days of card generation.
Eligiblity of pre-approved credit card offer is based on bank's internal policies. Do not worry, we will reach out to you as soon as we have an offer for you.
Have questions? Here are the answers!
Joining Fee of ₹199 + GST is applicable on FIRST Power Credit Card.
For FIRST Power Credit Card, an annual fee of ₹199 + GST is applicable, however it is waived-off on achieving the spends of ₹50,000 in an anniversary year.
The annual fee will be charged on completion of 1 year from the date of card generation. This fee will be charged every year. In case of achieving the targeted spends, the annual fee will be waived-off automatically.
Savings / value back is applicable on Fuel, IDFC FASTag recharges, Utility and Grocery expenses. The savings/ value back is given in the form of Reward Points as per the reward rate defined for the particular card. Reward Points can be earned on all expenses except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date. IDFC FIRST Bank offers low and dynamic interest rate of 0.75% - 3.5% per month. Typically banks charge 3.5% per month.
Savings on Fuel, LPG filling, FASTag recharges, Utility and Grocery expenses will be credited in the form of rewards. Rewards earn is also applicable on other retails transactions except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions.
For every ₹150 spent, you will receive 2X reward points on all your transactions, 15X reward points on fuel and LPG filling done at HPCL Fuel stations (capped at 500 reward points per statement cycle), 15X reward points on IDFC FASTag recharge (capped at 200 reward points per statement cycle) and 15X reward points on utilities and grocery payments (capped at 400 reward points per statement cycle).
There is no minimum Reward Points required for redemption.
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card
EMIfy is a convenient facility for repayment in easy and flexible monthly EMIs. EMIfy is available at time of making any purchasing at select offline and online merchants (Merchant EMI) or converting any existing transaction or entire credit card balance due into EMI. The cardholders can also transfer the balances due on other bank credit cards to this card and convert this transferred balance to EMI. The credit cardholders will get the option to convert any transaction or balance due into EMI can be availed in your IDFC FIRST Mobile banking App or website under logged in section.
Have questions? Here are the answers!
Joining Fee of ₹499 + GST is applicable on FIRST Power Credit Card.
For FIRST Power Credit Card, an annual fee of ₹499 + GST is applicable, however it is waived-off on achieving the spends of ₹1,50,000 in an anniversary year.
The annual fee will be charged on completion of 1 year from the date of card generation. This fee will be charged every year. In case of achieving the targeted spends, the annual fee will be waived-off automatically.
Savings / value back is applicable on Fuel, IDFC FASTag recharges, Utility and Grocery expenses. The savings/ value back is given in the form of Reward Points as per the reward rate defined for the particular card. Reward Points can be earned on all expenses except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date. IDFC FIRST Bank offers low and dynamic interest rate of 0.75% - 3.5% per month. Typically banks charge 3.5% per month.
Savings on Fuel, LPG filling, FASTag recharges, Utility and Grocery expenses will be credited in the form of rewards. Rewards earn is also applicable on other retails transactions except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions.
For every ₹150 spent, you will receive 3X reward points on all your transactions, 24X reward points on fuel and LPG filling done at HPCL Fuel stations (capped at 1600 reward points per statement cycle), 30X reward points on IDFC FASTag recharge (capped at 200 reward points per statement cycle) and 30X reward points on utilities and grocery payments (capped at 400 reward points per statement cycle).
There is no minimum Reward Points required for redemption.
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card.
EMIfy is a convenient facility for repayment in easy and flexible monthly EMIs. EMIfy is available at time of making any purchasing at select offline and online merchants (Merchant EMI) or converting any existing transaction or entire credit card balance due into EMI. The cardholders can also transfer the balances due on other bank credit cards to this card and convert this transferred balance to EMI. The credit cardholders will get the option to convert any transaction or balance due into EMI can be availed in your IDFC FIRST Mobile banking App or website under logged in section.
Have questions? Here are the answers!
There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Credit Cards.
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date.
IDFC FIRST Bank offers an interest rate of 0.75% - 3.5% per month.
LIC Gulmohar and Palaash Credit card by IDFC FIRST Bank have an long lasting validity of 3 years on rewards accrued.
IDFC FIRST Bank Bank Credit Cards are loaded with a host of benefits, offers & features. Some of them are listed below and will be applicable as per card variant available with you: Reward benefits – Upto 10x rewards on LIC insurance payments and upto 5x rewards on other spends. Travel benefits – Complimentary airport lounge access. Other benefits – various in-app online discounts, discounts on health and wellness outlets, etc.
Net Banking Pre-login Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login] Enter “Customer ID” & “Credit Card number” and click on Get OTP Verify using the OTP sent on your registered mobile number Enter and Re-enter PIN of your choice and click on confirm Your Credit Card PIN is set Login Login to your Net Banking account Select Credit Card section Select Set new PIN Enter and Re-enter PIN of your choice and click on Get OTP Please verify through the OTP sent to your registered mobile number Your Credit Card PIN is set Mobile Banking App Pre-login Select browse icon from the right side top menu on login page Enter “Customer ID” & “Credit Card number” and click on Get OTP Please verify through the OTP sent to your registered mobile number Enter and Re-enter PIN of your choice and click on confirm Your Credit Card PIN is set Login: Login to Mobile Banking App Access Credit Card section Select Set new PIN Enter and Re-enter PIN of your choice and click on Get OTP Your Credit Card PIN is set Customer Care: Dial our Customer Care and follow the instructions to generate the PIN
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
Have questions? Here are the answers!
Yes Business Card has Joining Fees of ₹499 & annual fee of ₹999.
Annual Fee is charged on completion of 1 year from the date of card generation. This fee is charged every year.
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly. In-case you wish to get a higher limit you may choose to submit additional documents during the application journey.
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date.
IDFC FIRST Bank offers an interest rate of 1.5% - 3% per month. Typically banks charge 3% per month
Merchant EMI conversions are transactions converted into Equal Monthly Instalments (EMI) by the merchant at the time of the transaction. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product.
Have questions? Here are the answers!
Yes. The card comes with a joining fee (1st year) of Rs. 4,999 + GST and an annual fee (2nd year onwards) of Rs. 4,999 + GST.
Joining fee payment benefits: 1 complimentary premium economy class ticket and 1 Upgrade voucher
Annually recurring fee payment benefits: 1 complimentary premium economy class ticket and 1 Upgrade voucher
The Joining benefit of 1 complimentary premium economy class ticket and 1 Upgrade voucher will be given after joining fee payment.
Joining Fee will of ₹4,999+GST will be levied in your 1st statement after card Generation.
No, the complimentary Premium economy ticket and upgrade voucher cannot be combined. But you can use the upgrade voucher on another independent Vistara flight ticket.
You can get 6 premium economy class tickets in year and with the additional upgrade voucher, you can upgrade your existing ticket to a higher class (basis availability)
Yes. You will earn;
- 6 CV points on spends upto Rs. 1,00,000 in a month and 4 CV points for all spends above Rs. 1,00,000
- 1 CV point on every transaction done on Fuel, Insurance, Wallet Load and Rent.
- CV points will not be given on spends converted to EMI.
You may check the latest Club Vistara policy on tenure of validity of CV points.
You will receive 2000 CV points if you spend over and above Rs. 30,000 in 1st month post card generation.
Consequently, if in 2nd month and 3rd month, if you spend over and above Rs. 30,000 (in each month), you will receive 2000 CV points in each month.
The activation bonus CV points will only be accorded in the first 3 months of the first year of card generation.
Yes. Bonus CV points given on activation will be over and above CV points given for every spend.
CV points are given per ₹200. So the minimum spend for earning CV point is ₹200.
2.99%
Yes;
2 Domestic Airport Lounge and Spa per quarter
1 International Airport Lounge per quarter
Lounges are activated on the card on a monthly spends of Rs. 5000.
You can activate your Lounge / Spa 1 benefit by spending minimum Rs.5000 in any calendar month to activate the benefit for next month.
Eg. Meet spend criteria between 1st to 31st March. Benefit activated for April. You may utilize this benefit between 5th to 5th of the every month.
You can check your lounge activation status on www.dreamfolks.in .
To know more about the process to check the status, please visit our website > Credit cards > First Wealth Product Page > benefits & Privileges > Privileges
Yes. As the Mastercard Network benefits, you can avail golf offer as per below
> 4 complimentary rounds of green fees per calendar year (only 1 round in a calendar month)
> 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
> Discounted golf services at 50% of the green fee beyond complimentary sessions
Have questions? Here are the answers!
The FIRST SWYP Credit card comes with a nominal subscription fee of ₹499/- + GST per year, giving you access to marquee merchant offers across your favorite categories as well as additional merchant offers all year round.
The subscription fee is waived off if you refer 1 friend successfully to the FIRST SWYP program. Successful referral is defined by customer getting a FIRST SWYP Credit card issued basis your referral link. You also get a chance to earn incremental benefits based on additional successful referrals ranging from movie vouchers to cashbacks to lounge access. For details of FIRST SWYP Referral program, please visit the FIRST SWYP webpage on the IDFC FIRST Bank website
The FIRST SWYP Credit card comes with a nominal subscription fee of ₹499/- + GST per year, giving you access to marquee merchant offers across your favorite categories as well as additional merchant offers all year round.
The subscription fee will be charged in the first statement and then subsequently every 1 year from the date of card generation. This fee will be charged every year.
The FIRST SWYP Card works as a charge card. All charges are due immediately upon receipt of monthly statement, payable by due date given on the statement. You can either pay the due in full or convert eligible balances into EMIs.
In case of non receipt of dues by Payment due date, a late payment charge will be applicable as defined in the Fees & Charges section of the Most Important Terms & Conditions (MITC). There are no overdue interest charges apart from the late payment fees.
Cardholders for FIRST SWYP Credit card get access to instant discounts upto 20% at Preferred merchants. These offers are applicable across the year. To check the current set of preferred merchants and offer constructs, please checkout the privilege document on the FIRST SWYP webpage. These offers are unique to FIRST SWYP Credit Card
Customers also gets access to all other merchant offers on spends applicable on IDFC FIRST Bank Credit Cards apart from dining offers at 300+ outlets
The FIRST SWYP Reward points program works basis monthly milestone spends. Customer gets rewards as per the following milestone spends done in a month.
Eligible spends upto ₹5000 : 200 RPs
Eligible spends upto ₹10000 : 500 RPs total
Eligible spends upto ₹10000 : 500 RPs total
Spends done on Fuel, Cash Withdrawal, Rent, Utility are not counted towards calculating eligible spends per month. Milestone rewards will be credited on Statement date
There is no minimum Reward Points required for redemption.
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card.
EMIfy is a convenient facility for repayment in easy and flexible monthly EMIs. EMIfy is available for converting any existing transaction or entire credit card balance due into EMI. The cardholders can also transfer the balances due on other bank credit cards to this card and convert this transferred balance to EMI. The credit cardholders will get the option to convert any transaction or balance due into EMI can be availed in your IDFC FIRST Mobile banking App or website under logged in section.
For FIRST SWYP, when you convert your transactions or balances into EMI, You’ll be charged a monthly flat fee for the conversion. This flat fee will be shown to you at the time of EMI conversion. There will be no other interest charges or fees for the conversion. Foreclosure fee and late payment charges in case of non-payment of EMIs will apply as per the MITC
More reasons
to love our
credit card
FIRM'S NAME
-
6x rewards on online transactions -
25% off on tickets once a month upto ₹100 -
Dining offers upto 20% across 1500 restaurants -
₹500 vouchers from Amazon/Ola/ Swiggy on spending 15K in first 3 months -
Earn cashback on EMI: 5% cashback up to ₹500 within 90 days -
Get yourself covered: Personal Accident cover of 2 Lakhs -
More offers: 50+ in-app discounts
1X = 1 Reward point per Rs.100 spent | 1 Reward point = Rs. 0.25