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Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account NowEnjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
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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
Ashva
Add a touch of enchantment to everyday adventures
Mayura
Experience life’s finest
FIRST EA₹N
Assured cashback card for everyone
FIRST Millennia
For young digital natives
FIRST SWYP
Get it all, get it now!
FIRST Classic
For growing families
FIRST Power
For those who embrace the road
LIC Cards
Secure tomorrow, Live today
FIRST Select
For those with an evolving lifestyle
FIRST Wealth
Your perfect luxury enabler
FIRST WOW!
Deposit-backed premium card, for everyone
FIRST Private
Metal with a heart of gold
What’s new?
See what’s freshly launched for you.
Treat Yourself to Travel!!
Designed to provide travel and lifestyle related benefits.
Introducing the Club Vistara IDFC FIRST Credit Card
*T&Cs Apply
With great power comes great savings!
Introducing the HPCL co-branded FIRST Power & FIRST Power+ Credit Cards & their power-packed privileges:
*T&Cs Apply
Get it all ! Get it now !
Introducing the FIRST SWYP Credit Card with annual benefits worth ₹30,000+ . Get a sneak peak of a few benefits below:
*T&Cs Apply
Use your existing card or apply for a new RuPay credit card today.
Track your card status in an instant, all you need is your application number.
Here's everything you should know about EMI on your Credit Card.
Here is everything you should know about Balance Transfer on your Credit Card.
Here’s how to get the most out of your credit card.
Here's everything you should know about Quick Cash on your Credit Card.
IDFC FIRST Bank Credit Cards offer dynamic interest rates starting at just 9% p.a.
Track, view offers, get support and more with our mobile banking app.
Discover how to make the most of your credit card reward points.
Choose from multiple convenient options to pay your credit card bills.
Know the varied fees and charges applicable on your credit cards.
Learn ways to prevent unauthorised use of your credit card in the digital age.
Know the factors that impact your credit card application.
IDFC FIRST Bank Credit Cards let you convert any transaction above ₹2,500 into EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 36 months. Here’s how to convert purchases to EMI:
During purchase: Online or in-store purchases (at eligible merchants) can be converted to EMI at the time of Credit Card payment confirmation.
After purchase: You can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking with the following steps:
Reduce the burden of high interest rates and multiple Credit Card due dates in a few simple steps! Just transfer your outstanding balance from an existing Credit Card to a lower interest rate, IDFC FIRST Bank Credit Card, and choose to pay in affordable EMIs. Get up to 48 extra days to pay your dues and option to convert dues into easy EMIs with flexible tenure of 3 to 12 months Transfer Now or Call on 1800 10 888.
Here are some of the benefits that you can avail with IDFC FIRST Bank Credit Cards:
*On minimum spend of ₹20,000 in the previous calendar month
^On spends of ₹20,000 and above in a monthly statement cycle
Need Quick Cash for your last-minute plans? Here’s your solution! Get a pre-approved loan with your IDFC FIRST Bank Credit Card. The funds are transferred instantly to your bank account with zero paperwork. Pay back in flexible EMI tenure of 3 to 48 months with interest rates starting from 1% p.m. Avail Now or Call on 1800 10 888.
Credit Card Eligibility Criteria
Your credit card approval depends on the specific eligible requirements that you meet. This includes your age, income, credit score, credit utilization ratio, and nationality. In addition, factors such as your locality and past credit card ownership may also affect your credit card eligibility.
Credit card interest rates are applied when you carry forward your outstanding balance beyond the due date. Other credit cards in the market charge a standard and fixed interest rate up to 42% p.a.
IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting at just 9%.
Interest rates are typically stated as 'yearly' rates, also known as the Annual Percentage Rate (APR). If you repay your credit card balance in full by the due date, there is no interest charge. To avoid any charges, you must always pay the Total Amount Due each month. Paying the Minimum Amount Due is mandatory.
Zero Joining/Annual Fees
Most credit cards have annual fees, with waiver only on meeting certain spend conditions. In contrast, most IDFC FIRST Bank Credit Cards are lifetime-free i.e., with no annual fees and no conditions applied.
Our current lifetime free Credit Cards are FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth & FIRST WOW!
0% Interest on Cash Withdrawal
When using a credit card for ATM cash withdrawals, most banks charge interest rates as high as 3.5% per month, plus a minimum transaction fee of ₹500.
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your bill’s due date and at a flat transaction fee of just ₹199.
For more information about our credit card fees and charges, click here.
In the face of rising cybercrime, it’s important to keep your credit card details safe to prevent any financial losses.
IDFC FIRST Bank Credit Cards come with advanced security features, including Tokenisation, two-factor authentication, and secured payment gateways for safe transactions. If you suspect any unauthorized activity on your credit card, contact our customer care or block your card immediately.
Your credit card approval depends on the specific eligible requirements that you meet. This includes your age, income, credit score, credit utilization ratio, and nationality. In addition, factors such as your locality and past credit card ownership may also affect your credit card eligibility.
Eligibility Factor |
Requirement |
Age |
Adult applicants, 18 years or older |
Income |
Stable income, specific minimum varies by card. |
Employment status |
Regular employment or steady income source |
Credit History |
Positive credit history preferred |
Banking Relationship |
Not mandatory, but may improve approval chances |
Looking for a credit card that doesn’t consider your income or credit score? The IDFC FIRST WOW! Credit Card is your answer, offering a hassle-free way to obtain credit, backed by your fixed deposit.
1. Credit score: Your credit score significantly influences the approval process and the interest rates offered. A higher score increases your chances of approval and access to better rates.
2. Interest rates and fees: It is important to compare interest rates, annual fees, and other charges. Opt for a IDFC FIRST Credit Card which suits your needs and comes with an affordable annual fee and interest rate to minimise costs as you build your credit history.
3. Credit limit: Assess the credit limit offered to ensure it meets your spending requirements without encouraging excessive debt. A higher limit can be beneficial for your credit score if managed responsibly.
4. Rewards and benefits: Look for cards that offer rewards, cashback deals, or travel benefits that match your lifestyle. Consider if the rewards are worth any additional costs.
5. Repayment terms: Understand the importance of paying your bill on time. Familiarise yourself with the billing cycle, grace period, and minimum payment requirements to avoid late fees and interest charges.
6. Eligibility criteria: Confirm that you meet the card’s eligibility criteria, including age, income, and employment status, to increase your approval chances.
Introducing the ultimate travel platform designed specifically for IDFC FIRST Bank Debit and Credit Card holders. Access exclusive benefits, including:
• ZERO Convenience Fee on Flight Bookings
• 20 Bonus Reward Points on every ₹100 spent on Hotel Bookings
• Seamless in-app booking experience
Book Now* with the IDFC FIRST Mobile Banking app!
How to book your flights and hotels
1. Login to the IDFC FIRST Mobile Banking App
2. Visit Travel and Shop
3. Click Flight Booking or Hotels to explore and book your flight or stay
Note: The travel portal is powered by Tripstacc that solely displays offers extended by merchants/partners to IDFC FIRST Bank Customers. The Bank facilitates the payment but do not directly own the offers made on the portal.
This service is available only through the IDFC FIRST Mobile Banking app. Payments on the platform can be made through any IDFC FIRST Bank Credit or Debit Card. Bonus reward points are not applicable on payments made with the Club Vistara IDFC FIRST Credit Card.
*Book now link is only applicable via mobile considering IDFC FIRST Mobile Banking App is installed on your phone.
Discover more about IDFC FIRST Bank Credit Cards
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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
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Discover how to improve your CIBIL score and open doors to better financial opportunities.
Testimonials
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
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
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
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
You can use these Reward Points on any online transaction so I am very happy to use it.
Sachin Kumar (Delhi)
FIRST Select Customer
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
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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:
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.
You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:
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.
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).
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.
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.
Please click here to learn how to claim your welcome benefit voucher of ₹500 on your IDFC FIRST Bank 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.
You can generate your IDFC FIRST Bank Credit Card PIN via any of the following methods:
Website:
Net Banking:
IDFC FIRST Bank Mobile Banking App:
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.
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.
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
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:
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.
Currently, transactions above ₹2,500 are eligible for EMI conversion.
Steps via Mobile app/ Net Banking:
Note : If the transaction does not appear, it is likely to be ineligible for EMI conversion based on the category or merchant type.
There will be a one-time processing fee and interest rate associated with EMI conversion.
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.
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:
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.
You can track your Credit Card transactions by following the below steps:
Mobile Banking app/Net Banking:
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:
To learn more about these options click here.
To enable auto-debit on your Credit Card, follow the steps below:
Cardholders can modify standing instructions by logging into their IDFC FIRST Bank Internet/Mobile Banking account:
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
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.
You may activate your IDFC FIRST Bank Credit Card by following the below steps:
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.
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.
Our application process is paperless and painless. Here’s a step-by-step guide to get you started:
You can get your IDFC FIRST Credit Card if you meet the eligibility criteria such as:
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.
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.
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.
To reduce the credit limit on your IDFC FIRST Bank Credit Card, follow these steps:
1 Mobile Banking app/Net Banking
2. Website
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.
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.
Also Read: - Top Benefits and Uses of Credit Card
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.
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
Credit cards are important for several reasons:
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.
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.
Below listed are the applicable fees and charges on credit cards: -
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.
Dos:
Don’ts:
Take cash advances: Cash advances often come with high fees and interest rates.
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.
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:
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All Cards (11)
All
Premium Metal
Zero Forex & Travel
Lifetime Free
10X Rewards
UPI Cards
Fuel & Utility
Showstopper
Credit Builder
Mayura
Eligibility: Annual income > ₹25 Lacs
Ashva
Eligibility: Annual income > ₹12 Lacs
FIRST EA₹N
Eligibility: No Income document required
FIRST Millennia
Eligibility: Annual income > ₹3 Lacs
FIRST SWYP
Eligibility: Annual income > ₹3 Lacs
FIRST Classic
Eligibility: Annual income > ₹3 Lacs
FIRST Power
Eligibility: Annual income > ₹3 Lacs
FIRST Power+
Eligibility: Annual income > ₹3 Lacs
LIC IDFC FIRST Bank Credit Cards
Eligibility: Annual income > ₹ 3 Lacs
FIRST Select
Eligibility: Annual income > Rs 12 Lacs
Club Vistara
Eligibility: Annual income > ₹3 Lacs
FIRST Wealth
Eligibility: Annual income > ₹36 Lacs
FIRST WOW!
Eligibility: No Income document required
FIRST Private
Eligibility: By Invitation only Metal Credit Card