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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Credit Card Interest - interest charged on money borrowed from credit card issuers
Credit Card Interest Rate

Low, dynamic
interest rate Starting at 9% p.a.

IDFC FIRST Bank offers Credit Card with never expiring rewards
Credit Card Reward Points credited- in your account
IDFC FIRST Bank Credit Card

Never-expiring
reward points Up to 10x

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How to Select the Right Credit Card for You

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Just answer a few easy questions, and we’ll find the perfect credit card for you!

When do you celebrate your birthday?

You must be 18 or older to get a credit card

Your monthly income?

Tell us your fun side!

One thing you’d change in your credit card...

Choose one option

Here’s your perfect match!

Credit Cards by IDFC FIRST Bank

We offer Credit Card for every need

Ashva

Add a touch of enchantment to everyday adventures

Ashva Metal Credit Card from IDFC FIRST Bank

Mayura

Experience life’s finest

Mayura Metal Credit Card from IDFC FIRST Bank

FIRST EA₹N

Assured cashback card for everyone

FIRST EA₹N - Virtual Credit Card from IDFC FIRST Bank

FIRST Millennia

For young digital natives

Millennia Credit Card - Lifetime Free Low Interest Credit Card

FIRST SWYP

Get it all, get it now!

FIRST SWYP - EMI Credit Card from IDFC FIRST Bank

FIRST Classic

For growing families

FIRST Classic - Lifetime Free Credit Card from IDFC FIRST Bank

FIRST Power

For those who embrace the road

Fuel Credit Cards - FIRST Power & Power + from IDFC FIRST Bank

LIC Cards

Secure tomorrow, Live today

LIC Credit Card from IDFC FIRST Bank

FIRST Select

For those with an evolving lifestyle

FIRST Select - Credit Card with No Joining & Annual Fees - IDFC FIRST Bank

FIRST Wealth

Your perfect luxury enabler

FIRST Wealth - Low Forex Markup Credit Card - IDFC FIRST Bank

FIRST WOW!

Deposit-backed premium card, for everyone

FIRST WOW - Credit Card Against FD from IDFC FIRST Bank

FIRST Private

Metal with a heart of gold

FIRST Private - Luxury Metal Credit Card from IDFC FIRST Bank

Offers and Deals on Credit Card

  • Travel
  • Shopping
  • EMI
  • Dining

What’s new?

See what’s freshly launched for you.

Activate UPI on Credit Card Unified Payments Interface (UPI) logo

Use your existing card or apply for a new RuPay credit card today.

Check Credit Card Status

Track your card status in an instant, all you need is your application number.

Book your travel with us to make the most of your card benefits

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Book Flights & Hotel using Credit Card from IDFC FIRST Banking App
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Convert Credit Card Bill into EMI

Here's everything you should know about EMI on your Credit Card.

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Convert your higher purchases into monthly EMIs
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Credit Card Balance Transfer

Here is everything you should know about Balance Transfer on your Credit Card.

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Credit Card Balance Transfer - IDFC FIRST Bank
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Exciting Benefits on Credit Cards

Here’s how to get the most out of your credit card.

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Credit Card Benefits
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Instant Pre-Approved Loan against Credit Card

Here's everything you should know about Quick Cash on your Credit Card.

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Credit Card Loan &  credit card apply online
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Enjoy Low Interest Rates on Credit Card

IDFC FIRST Bank Credit Cards offer dynamic interest rates starting at just 9% p.a.

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Low Credit Card Interest Rates
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Manage Credit Card through Banking App

Track, view offers, get support and more with our mobile banking app.

Redeem rewards on-the-go

Discover how to make the most of your credit card reward points.

Credit Card Bill Payment Options

Choose from multiple convenient options to pay your credit card bills.

Credit card fees and charges

Know the varied fees and charges applicable on your credit cards.

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Credit Card Fees & Charges
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Tips to protect your credit card

Learn ways to prevent unauthorised use of your credit card in the digital age.

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Security Tips to protect credit card from Banking Frauds
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Credit Card Eligibility Criteria

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Credit Card Eligibility Factors
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Things to consider before applying for a credit card.

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Credit Card Blogs

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Credit Cards on UPI - Frequently Asked Questions

What sets metal credit cards apart as the ultimate status symbol?

Find out how metal credit cards enhance your financial journey, while making a statement of sophistication.

Credit cards with CFAR travel insurance

Best RuPay credit cards for UPI payments with IDFC FIRST Bank

Explore the best RuPay credit cards from IDFC FIRST Bank: Find your best pick and apply for your favourite RuPay credit card for seamless UPI payments.

Best Credit Cards for Entertainment benefits

Pay with rewards - Strategies for smart shopping

While most credit cards offer reward points, effective usage is key to enjoying maximum savings.

Explore Bali on Budget with this credit card

Explore Bali on a budget with this credit card

Dreaming of a Bali trip? With the right credit card, you can make your dreams come true without breaking the bank

Tips to increase Credit Score using Credit Card

Can you increase your credit score with a credit card?

Discover how to improve your CIBIL score and open doors to better financial opportunities.

Testimonials

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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.

Jayesh Panchal (Vapi Gujarat)

FIRST Millennia Customer

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The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.

Lokesh Kamani (Pune)

FIRST Wealth Customer

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While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.

Jasvantsinh Rathod (Gandhinagar)

FIRST Wealth Customer

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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.

Litesh Jethani (Mumbai)

FIRST Wealth Customer

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You can use these Reward Points on any online transaction so I am very happy to use it.

Sachin Kumar (Delhi)

FIRST Select Customer

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As compared to other banks the reward points are the best. Anytime IDFC offers are better than other cards. It’s my high usage card.

Sagar Vaniya (Surat)

FIRST Millennia Customer

Credit Card FAQs

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How does 10X rewards get calculated?

Rewards points are earned as soon as the merchant settles a purchase. On the statement date, eligible purchases are cumulatively added to determine if the 10x thresholds have been met.

On transactions above the threshold cut-offs, 10X rewards will be calculated as follows:

  1. For eligible online transactions where 6X reward points are already accrued, additional 4X reward points will be credited.

Note: Government services, Wallet Loads, Education Spends, Rental, insurance, and utility bill spends; cash withdrawals, EMI conversions, and reverse credits are not included in the 10X threshold calculation.

How can I redeem Credit Card reward points?

You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:

  1. Visit Rewards website
  2. On Net banking/Mobile Banking go to “Reward redemption” section
  3. Select “Pay with Reward points” for online purchases on the OTP page at time of making the transaction
  4. Choose “Pay with Reward points” for in-store purchases at the time of the transaction (at select Pine Lab terminals). Please note that a reward redemption fee of ₹99 + GST will be applicable on redemption
How can I avail of my complimentary lounge/spa benefit?

You can activate your lounge/spa benefit by spending a minimum of ₹20,000 in any calendar month to activate the benefit for next month.

For example, if you meet the spending criteria between 1st and 31st March, the benefit will be activated for April.

Please refer to your Credit Card product webpage to view the list of eligible lounge benefits and privileges.

What is APR?

APR (Annual Percentage Rate) in a Credit Card indicates the interest charged on a credit account, which is applied on the bill due date only if credit card holders do not pay their bills in full (this interest is applied on the outstanding amount).

Do IDFC FIRST Bank Credit Cards offer low, dynamic APR?

Yes, IDFC FIRST Bank Credit Cards offer cardmembers low and dynamic APR. APR is offered to card members based on various factors such as credit score, income profile, repayment behaviour, etc.

How can I avail of movie discounts on my IDFC FIRST Bank Credit Card?

To avail of movie discounts, visit Paytm mobile app and use the IDFC FIRST Bank Credit Card voucher code when you purchase tickets. Please refer to the privileges section of the respective product pages for more details.

How can I claim my welcome benefits?

Please click here to learn how to claim your welcome benefit voucher of ₹500 on your IDFC FIRST Bank Credit Card.

Can I withdraw cash using my Credit Card?

Certainly! You can withdraw cash from ATMs with IDFC FIRST Bank Credit Cards, interest-free for up to 48 days – both in India and abroad (forex mark-up charges apply as per card type). There is a cash withdrawal limit of ₹10,000 per transaction and a cash advance fee of ₹199 + GST applicable.

Terms & Conditions apply. Refer to the MITC document for more details.

How do I generate my Credit Card PIN?

You can generate your IDFC FIRST Bank Credit Card PIN via any of the following methods:

 

Website:

  1. Click on the “Generate Credit Card PIN” after logging in here with your registered mobile number
  2. Enter “Customer ID” & “Credit Card number” and tap on Get OTP
  3. Verify using the OTP sent on your registered mobile number
  4. Enter and Re-enter PIN of your choice and click on confirm
  5. Your Credit Card PIN is set

 

Net Banking:

  1. Login to your Net Banking account
  2. Selectthe Credit Card section
  3. Select Set a new PIN
  4. Enter and re-enter the PIN of your choice, and tap on Get OTP
  5. Please verify through the OTP sent to your registered mobile number
  6. Your Credit Card PIN is set

 

IDFC FIRST Bank Mobile Banking App:

  1. Login to the Mobile Banking App
  2. Access the Credit Card section
  3. Select Set new PIN
  4. Enter and Re-enter the PIN of your choice and click on Get OTP
  5. Your Credit Card PIN is set

 

Customer Care:

Dial our Customer Care 1800 10 888 from your registered mobile number and follow the instructions on the IVR to generate the Card PIN.

Does IDFC FIRST Bank provide contactless Credit Cards?

Yes, all IDFC FIRST Bank Credit Cards support contactless transactions. However, it must be activated manually in the card controls of the mobile app/net banking portal.

How can I enable/disable my IDFC FIRST Bank Credit Card for online/merchant outlet transactions?

The following steps will guide you through enabling transaction preferences on your IDFC FIRST Bank Credit Card:

Login to the mobile banking app/net banking

  1. Click on Credit Card
  2. Navigate to 'Card Controls'
  3. Click on 'Manage' to turn on / off transaction preferences
How can I convert transactions to EMI?

Big purchases and small EMIs are possible with IDFC FIRST Bank Credit Cards! Enjoy 300+ merchant offers and stop worrying about huge bills. Convert your IDFC FIRST Bank Credit Card transactions above ₹2,500 into easy EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 18 months. Here’s how to convert purchases to EMI:

Online or in-store purchases (at eligible merchants) can be converted to EMI at the time of Credit Card payment confirmation.

Any time before your transaction is due for payment, you can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking.

EMI conversion steps via Mobile App/Net Banking:

  1. Navigate to your 'Credit Card' page
  2. At the bottom of the screen Click on 'Convert to EMI'
  3. Transactions eligible for EMI will appear under this section
  4. Select the option “Convert to EMI” for the transaction you wish to convert
  5. Choose an EMI repayment plan based on your preference
  6. Accept the T&Cs and “Confirm” the conversion of your transaction to EMI

Alternatively, you can contact our customer care to convert transactions into EMI.

If you do not see a certain transaction under the ‘Convert to EMI’ section, it means it is ineligible due to certain rules. These rules include the amount of the transaction or merchant category restrictions.

Which Credit Card transactions are eligible for EMI conversion?

Currently, transactions above ₹2,500 are eligible for EMI conversion.

Steps via Mobile app/ Net Banking:

  1. Click on 'Credit Card'
  2. Click on 'Convert to EMI'
  3. Transactions eligible for EMI will appear under this section.

Note : If the transaction does not appear, it is likely to be ineligible for EMI conversion based on the category or merchant type.

Are there any EMI conversion charges on my IDFC FIRST Bank Credit Card?

There will be a one-time processing fee and interest rate associated with EMI conversion.

What is the eligibility criteria for applying for an instant loan via my IDFC FIRST Bank Credit Card?

It is an offer-based facility, and there are no eligibility requirements for applying for an instant loan with the IDFC FIRST Bank Credit Card.

I already have an IDFC FIRST Bank Credit Card. Can I apply for another one?

You can apply for our Co-branded Credit Cards if you are already an IDFC FIRST Bank credit card holder.

The credit limit will be shared with your existing IDFC FIRST Bank Credit Card.

Additionally, you can also apply for:

  1. FIRST Digital RuPay Credit Card: To enable UPI transactions on your existing IDFC FIRST Bank Credit Card, you can apply for our instantly issued RuPay Credit Card
  2. FIRST WOW! Credit Card: A secured, fixed deposit-backed card with 0% forex markup fees on international transactions
  3. Stories: A personalised Credit Card with your favourite image on it
  4. Add-on cards: You can also obtain an add-on Credit Card for anyone, including friends and family members, if you are an existing IDFC FIRST Bank Credit Card holder
Can I apply for an add-on card?

Yes, you can apply for an Add-on card for your spouse, sibling, parent, child, friend, or acquaintance. Click here to apply and learn more.

How can I view my Credit Card statement?

You can track your Credit Card transactions by following the below steps:

Mobile Banking app/Net Banking:

  1. Log in to your Mobile Banking/ Net Banking account
  2. Under the "Credit Cards section, click on your card
  3. On the dashboard, click on “View Statement”
What are the payment options available for paying IDFC FIRST Bank Credit Card Bills?

IDFC FIRST Bank offers various payment options to pay your Credit Card bills. Click here to pay now. You can also pay your Credit Card bill through the following options:

  1. Auto debit from an IDFC FIRST Bank Savings Account
  2. IDFC FIRST Bank Mobile application
  3. Net Banking
  4. UPI payment
  5. IMPS/NEFT
  6. Cash Deposit
  7. Cheque
  8. Debit Card

To learn more about these options click here.

What is the process for setting up auto debit on my Credit Card?

To enable auto-debit on your Credit Card, follow the steps below:

  1. Click here to login to the mobile application/Internet banking
  2. Go to ‘Accounts’
  3. Select Cards
  4. Navigate to Auto-pay credit bills to utilise the auto-debit facility
Is it possible to change my Credit Card's auto-debit facility from Total Amount Due to Minimum Amount Due?

Cardholders can modify standing instructions by logging into their IDFC FIRST Bank Internet/Mobile Banking account:

  1. Click on ‘Credit Card’
  2. Select ‘Manage Auto Pay’
  3. Set up Total Amount Payment or Minimum Amount Payment
Can I pay a Credit Card bill online via NEFT?

Yes, IDFC FIRST Bank gives its Credit Card holders the option to pay dues through IMPS/NEFT. Use the following details to pay:

Payee Name: Name as on your IDFC FIRST Bank Credit Card
Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number
Bank Name: IDFC FIRST Bank
IFSC Code: IDFB0010225

How can I block my Credit Card?

If for any reason you choose to block your Credit Card, you can do so by clicking here

You can also do so using the IDFC FIRST Bank App/Net Banking.

  1. Login to the mobile banking app/Netbanking services
  2. Go to Accounts
  3. Select Cards
  4. On the dashboard, select temporary/permanent block Alternatively you can send as SMS CCBLOCK (last 4 digit of card) to 5676732 or call our customer care number 1800 10 888 for further assistance.
How do I activate my IDFC FIRST Bank Credit Card?

You may activate your IDFC FIRST Bank Credit Card by following the below steps:

  1. Log into your IDFC FIRST Bank Mobile Banking app/Internet banking account
  2. Click on 'Credit Card'
  3. Click on 'Unblock' and then click on 'Confirm'

You may also call on the 24/7 toll-free number mentioned on our website to unblock your Credit Card or request a replacement card in case of a permanently blocked card.

What should I do if my Credit Card is lost, stolen or damaged?

When your Credit Card is lost, stolen or damaged, it is advisable to block it permanently and request a replacement. If your Credit Card is lost or stolen, blocking it will prevent any misuse. Click here to block your Credit Card, and select the Permanent block option.

How can I apply for a Credit Card online?

Our application process is paperless and painless. Here’s a step-by-step guide to get you started:

  1. Open the IDFC FIRST Bank website on your internet browser
  2. Click on ‘Apply Now’ under Credit Cards section on the home page
  3. Complete your verification through OTP sent on your mobile number
  4. Fill out the digital form with all your details
  5. Complete your online application by giving your consent to proceed
  6. Get your Credit Card delivered with 4-5 working days and your virtual Credit Card instantly on the IDFC FIRST Mobile Banking App
  7. Alternatively, if you already have an IDFC FIRST Bank Credit Card offer, then you can also log into the IDFC FIRST Bank mobile banking app to apply for the Credit Card.
Who can apply for an IDFC FIRST Credit Card?

You can get your IDFC FIRST Credit Card if you meet the eligibility criteria such as:

  • • You must be at least 21 years old
  • • You must be an Indian citizen
  • • You must have a healthy credit score
  • • Your credit usage ratio must be within an acceptable level
  • • You must have an Annual Income of:*
    1. o ₹3 lacs or more for FIRST Classic & FIRST Millennia
    2. o ₹12 lacs or more for FIRST Select
    3. o ₹36 lacs or more for FIRST Wealth

 

Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

For the FIRST WOW Credit Card:

You must be an Indian citizen at least 18 years of age.

What is my Credit Card limit?

The credit limit is the maximum amount you can spend with the Credit Card. The credit limit is assigned when the Credit Card is issued based on the card type and the individual's credit history.

How can I increase my credit limit?

We believe in providing our customers with the best product offerings, which is why we'll contact you if we have an offer available for you to increase your credit limit. Alternatively, you may send your income documents (last 3 months' bank statements with salary credits or last ITR copy if you are self-employed) to banker@idfcfirstbank.com. It is important to note that credit limit increase requests are subject to internal evaluation and assessment at the Bank's discretion.

How to change the daily transaction limit of my IDFC FIRST Bank Credit Card?

To reduce the credit limit on your IDFC FIRST Bank Credit Card, follow these steps:

1 Mobile Banking app/Net Banking

  1. Click on Credit Card
  2. Navigate to 'Card Controls'
  3. Click on 'Manage' to increase or decrease your daily transaction limit.

2. Website

  1. Click here and enter your registered Mobile Number or Credit Card number and click on 'Get OTP'.
  2. Click on 'Get OTP' You will be directed to the Card Controls page, where you can increase or decrease your daily transaction limit.

 

What are never expiring Reward Points?

Never expiring Reward Points are Reward Points with no end validity date, or expiry period. Once earned, these points are available for use till the time you redeem them. Upon redemption, redeemed number of reward points are deducted from available reward point balance.

Are all IDFC FIRST Bank Credit Card Reward Points never expiring?

Most IDFC FIRST Bank Credit Cards come with Reward Points that never expire. One exception is the Club Vistara IDFC FIRST Credit Card, where the points earned are Club Vistara Points (CV Points) and their validity / redemption policies are determined by the Club Vistara partner program. The other exceptions are the LIC IDFC FIRST Bank Credit Cards (LIC Classic Credit Card & LIC Select Credit Card) where the Reward Points expire in 3 years.

What are the benefits of a credit card?
  1. Convenience: Credit cards offer ease of use for both online and offline transactions.
  2. Credit building: Responsible use of a credit card can help build and improve your credit score.
  3. Rewards and cashback: Many credit cards offer rewards points, cashback deals, and other incentives for spending.
  4. Purchase protection: Credit cards often come with protections like extended warranties, purchase protection, and fraud protection.
  5. Emergency fund: Credit cards can act as an emergency source of funds when needed.

Also Read: - Top Benefits and Uses of Credit Card

What is a credit card outstanding balance?

The outstanding balance on a credit card is the amount you owe to the credit card issuer at any given time. This includes all purchases, cash advances, fees, and any interest charges that have been applied.

What is a credit card statement?

A credit card statement is a monthly report provided by the credit card issuer that details all transactions made with the card during the billing cycle. It includes the outstanding balance, minimum payment due, payment due date, and any applicable fees or interest charges.

Also Read: - How Read Your Credit Card Statement

Why is a credit card important?

Credit cards are important for several reasons:

  1. Credit history: Credit cards help build a credit history, which is crucial for obtaining loans and other financial products.
  2. Financial flexibility: These cards offer financial flexibility in managing cash flow and emergencies.
  3. Rewards and benefits: They provide various rewards, cashback deals, and discounts.
  4. Emergency funds: Credit cards offer a financial cushion to manage unexpected situations. Whether for sudden medical expenses, last-minute travels, or urgent repairs, having a credit card means you can cover costs immediately and clear your credit card bill later.
How does a credit card work?

A credit card works by allowing you to access money up to a pre-set limit for purchases or cash advances. You can use the card to pay for goods and services, and at the end of the billing cycle, you receive a statement detailing your transactions. You must make at least the minimum payment by the due date to avoid late fees and penalties. Interest is charged on any outstanding balance carried forward to the next cycle. IDFC FIRST Bank credit cards also offer lucrative reward programs and year-long offers on popular merchants and brands when you use a credit card for daily transactions. 

What is the credit limit on a credit card?

The credit limit is the maximum amount you are allowed to borrow using your credit card. This limit is determined by the bank based on your credit score, income, and other financial factors.

What fees and charges are associated with a credit card?

Below listed are the applicable fees and charges on credit cards: -

  1. Annual fee: A yearly charge for maintaining the card.
  2. Interest charges: Applied to the outstanding balance if not paid in full by the due date.
  3. Late payment fee: Charged if you miss the payment due date.
  4. Cash advance fee: A fee for withdrawing cash using the credit card.
  5. Foreign transaction fee: Charged for transactions made in a foreign currency.
  6. Over-limit fee: Charged if you exceed your credit limit.
Can I use my credit card for international transactions?

Yes, almost all credit cards from IDFC FIRST Bank can be used for international transactions. However, you may be charged a foreign transaction fee known as forex markup fee. The forex charges vary between 1.5% to 3.5% depending on the type of credit card. With the FIRST WOW! credit card, you can enjoy zero forex markup fee on all international transactions. 

What are the dos and don’ts of using a credit card?

Dos:

  1. Pay on time: Always make your payments on or before the due date.
  2. Pay in full: Try to pay off the entire balance each month to avoid interest charges.
  3. Monitor statements: Regularly review your statements for any unauthorized transactions.
  4. Keep track of spending: Maintain a record of your spending to avoid overspending.

Don’ts:

  1. Miss payments: Avoid missing payments as it can lead to late fees and a negative impact on your credit score.
  2. Max out the limit: Try not to use up your entire credit limit as it can affect your credit score.

Take cash advances: Cash advances often come with high fees and interest rates.

How can I get my CVV number without my card?

The CVV (Card Verification Value) number is a security feature printed on your card. For security reasons, it is not stored in databases or provided online.

If you don't have your physical card and need the CVV number, you can find it by logging into the IDFC FIRST Bank mobile app. If you are instructed to contact bank personnel for the same, you can easily reach the call centre at 180010888, available 24/7. After verifying your identity, the bank personnel may provide your card details. They can also help you block your current card and issue a new one with a new CVV number. 

Am I eligible for a credit card? What are the eligibility criteria for a credit card?

The eligibility requirements vary depending on the type of credit card you are applying for. You can choose a specific card from the list of IDFC FIRST Bank credit cards to know the specific criteria. Key Factors for Credit Card Eligibility are as follows:

  1. Age: You must be at least 18 years old.
  2. Income: Applicant must have a stable and sufficient income.
  3. Credit score: A good credit score enhances your chances of approval.
  4. Employment status: Regular employment or a steady source of income is required.
  5. Existing debt: Your current debt levels will be assessed to determine your ability to handle additional credit.