Top IDFC FIRST Bank Credit Card features you should know of

A recent survey reveals a fascinating shift in Indian consumer behaviour. Credit cards are becoming more integral to daily finances, with 60% of respondents prioritising rewards programmes. Nearly 49% reported regular use of both credit cards and the Unified Payments Interface (UPI) for digital payments. These trends highlight the evolving preferences of Indian consumers when it comes to credit cards.

To cater to these changing preferences, IDFC FIRST Bank offers a suite of credit card features. These will empower you to not only manage your finances better but also unlock benefits and rewards.

Let’s explore what these credit card features are.

Unlock the power of IDFC FIRST Bank Credit Cards
 

IDFC FIRST Bank goes beyond the standard credit card offerings, differentiating itself with unique credit card features that empower users to manage their finances effectively. Here are some key benefits of using credit cards:

• Lower interest rates

Credit cards often get a bad rap for high-interest charges. IDFC FIRST Bank breaks the mould with dynamic interest rates starting at a mere 9% per annum, significantly lower than the industry average. This translates to significant cost savings on your purchases.

IDFC FIRST Bank Credit Cards offer dynamic interest rates based on the customer’s credit behaviour. This means if you pay your bills on time, you’ll benefit from a lower interest rate.

• Never-expiring reward points

Unlike traditional cards, where points expire after a few months, IDFC FIRST Bank rewards you with credit card reward points that never expire. Accumulate them, redeem them for exciting products and experiences—the choice is yours!

• Reward points as good as cash

IDFC FIRST Bank reward points are as good as cash. You can redeem points with a single click on any online transaction and some offline transactions, too!  

• All-round rewards

Perhaps the best credit card feature is its comprehensive rewards. You not only get rewarded for spending on specific categories but also across fuel, dining, shopping, insurance coverage, and travel. For instance, the FIRST Power+ Credit Card is a fuel credit card that offers accelerated rewards on fuel. Yet, you will also get a high savings rate of 5% on groceries, utilities, and FASTag recharges.

• UPI-enabled transactions

IDFC FIRST Bank provides customers the choice to opt for a RuPay add-on in the form of the FIRST Digital RuPay Credit Card. This allows you to make secure and instant payments directly from your credit card with UPI apps. Moreover, you get up to 3X reward points on all UPI spends.

• Up to 10X reward points

Don’t just spend, thrive! IDFC FIRST Bank rewards you with incremental reward points for exceeding specific spending limits, making every purchase even more rewarding. For instance, the FIRST Select Credit Card rewards you with 3X reward points on spends up to ₹20,000 in one statement cycle. Even better, earn 10X reward points if you cross ₹20,000 in spends as well as on your birthday!

• Railway and airport lounge access

Do you travel frequently? You can swipe IDFC FIRST Bank Credit Cards for complimentary access to railway and airport lounges with all essential amenities. Away from the crowd, you can catch up on some emails and work or rest before your journey.

• Easy EMI conversions

All IDFC FIRST Bank credit cards come with the option to convert purchases over ₹2,500 into EMIs. Convert big-ticket expenses into bite-sized EMIs and pay off expenses without straining your finances.

• Exclusive merchant and dining offers

Unlock 1500+ merchant offers and 200+ dining offers with your IDFC FIRST Bank Credit Card. Whether you want to treat yourself to a day of shopping or enjoy a memorable dinner, start saving money with every spend!

How IDFC FIRST Bank Credit Cards enhance your financial management
 

Credit card features offered by IDFC FIRST Bank go beyond just transactions. They can also help you in financial management:

• Budgeting and expense tracking

IDFC FIRST Bank Credit Cards come with detailed online statements, allowing you to categorise and track your expenses effortlessly. This transparency enables you to identify spending patterns and make informed budgeting decisions.

• Building credit score

Responsible credit card usage translates to a healthy credit score. By using your IDFC FIRST Bank Credit Card wisely and paying your dues on time, you can build a strong credit history, opening doors to future loans and financial opportunities.

• Emergency buffer

Credit card features can be a lifesaver in unforeseen circumstances. With an IDFC FIRST Bank Credit Card, you can access a pre-approved credit line that can be of great help in times of need.

• Convenience and security

Credit card features are designed for convenience. From online shopping to contactless payments, IDFC FIRST Bank Credit Cards offer a secure and hassle-free way to manage your finances.

How to apply for an IDFC FIRST Bank Credit Card
 

Now that you know all the benefits of IDFC FIRST Bank Credit Cards and how they help you manage your finances, let’s explore the application process to get you started.

You can apply either at a branch or online. Simply follow these steps:

1. Click here to start your credit card application or visit your nearest IDFC FIRST Bank branch
2. Enter your mobile number and then the OTP you receive on your phone
3. Provide your basic information, income details, and employment details
4. Submit the application

As the bank offers instant approval, you can get your credit card in no time!

The bottom line
 

IDFC FIRST Bank Credit Cards are powerful tools packed with innovative credit card features designed to empower your financial management. With never-expiring reward points, low-interest rates, reward points as good as cash, and features like UPI integration and lounge access, these credit cards are a compelling proposition for anyone seeking to enhance their financial well-being.

Unlock a world of convenience, cost savings, and rewards with IDFC FIRST Bank Credit Cards.