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Overview
Key Benefits
Add-on card members
Getting started
Eligible Cards
Fees & Charges
UPI

IDFC FIRST Bank Add-On Card

Share all the benefits of your IDFC FIRST Bank Credit Card with your spouse, parents, children, or friends without the hassle of a new application or credit check.

Because benefits are better when shared

Primary Cardholder Add-on cardholder

Welcome Benefits

Get 1,000 Reward Points when the add-on card is used within 15 days (min. ₹500 spend).

Faster Milestone Rewards

Spend together to hit milestones sooner.

Annual Fee Waiver

Meet spend goals to get your annual fee reversed.

Easy Spend Tracking

All expenses in one statement for simpler management.

The primary cardholder will be responsible for all transactions and repayments for the add-on credit card.

For the Ones Who Matter Most

If you already own an IDFC FIRST Bank Credit Card, you can add your:

Share everyday perks and simplify joint spending with one seamless account

Monitor, manage and cover the expenses of your elderly family members.

Give young adults their first taste of credit card responsibility, with spending control and real-time tracking.

Make shared plans smoother, from dinners to trips, with one reward-earning card.

Extend exclusive benefits to your trusted circle and enjoy rewards together.

Spouse

Share everyday perks and simplify joint spending with one seamless account

Parents

Monitor, manage and cover the expenses of your elderly family members.

Son/Daughter

Give young adults their first taste of credit card responsibility, with spending control and real-time tracking.

Siblings

Make shared plans smoother, from dinners to trips, with one reward-earning card.

Close Friends

Extend exclusive benefits to your trusted circle and enjoy rewards together.

Ready to Share Your Card?

Apply for an add-on card in minutes with a 100% digital process.

Primary Cardholder Add-on Member

Step 1

Click here to apply
for an Add-on Card

Step 2

Provide your details
and the add-on member’s details.

Step 3

Link will be sent via SMS
to add-on member for KYC completion

Cards You Can Share

You can get an add-on card with these IDFC FIRST Bank Credit Cards:

Up to 10X Rewards Lifetime-Free

FIRST Classic

Movie discounts, railway lounge access

Get Add-On Card

Up to 10X Rewards 1.99% Forex Fee

FIRST Select

Complimentary lounge access, high movie discounts

Get Add-On Card

Premium Metal Zero Forex Markup

Mayura

Luxury travel benefits with zero forex, airport lounge/spa access

Get Add-On Card

Premium Metal 1% Forex Fee

Ashva

Premium travel benefits with airport lounge and golf access

Get Add-On Card

Up to 10X Rewards Lifetime-Free

FIRST Millennia

300+ merchant offers, movie discounts

Get Add-On Card

1.5% Forex Fee Up to 10X Rewards

FIRST Wealth

Premium travel perks & low forex markup

Get Add-On Card

Savings on Fuel UPI-Enabled

FIRST Power/Power+

Enhanced rewards on UPI & save up to ₹18,500/year

Get Add-On Card

The Add-on Credit Card is not available for FIRST WOW!, FIRST EA₹N, FIRST SWYP, and FIRST Business Credit Card variants.

Annual Fee reversal not eligible on FIRST Private Credit Card.

Joining and Annual Fees

Joining Fee

Annual Fee

All IDFC FIRST Bank Credit Cards (except Ashva & Mayura)

₹499

(Get 1,000 Reward Points on min. spends of ₹500)

₹499

(reversed on spending ₹60,000 /year)

Ashva

Metal Variant: ₹2,000

Plastic Variant: ₹1,500

(Get 1,000 Reward Points on min. spends of ₹500)

₹1000

(reversed on spending ₹1.2 lakh /year)

Mayura

Metal Variant: ₹4,000

Plastic Variant: ₹3,000

(Get 1,000 Reward Points on min. spends of ₹500)

₹2000

(reversed on spending ₹1.2 lakh /year)

Please refer to the Most Important Terms & Conditions (MITC) for other charges.

Get the power of UPI with your Add-on Credit Card

Joining and Annual fee (2nd year onwards) of just ₹199 + GST
Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
Earn up to 3X reward points on your spends

Know more

Frequently Asked Questions

All

Eligibility

Credit Limit

Fees & Charges

Rewards & Benefits

Repayment

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.

On which credit card variants is the Add-on Credit Card not applicable?

The Add-on Credit Card is not available for FIRST WOW!, FIRST EA₹N, FIRST SWYP and FIRST Business Credit Card variants.

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?

Yes, Add-On Cards come with a joining and annual fee of Rs 499 + GST. This fee does not apply to Ashva and Mayura Credit Cards, which have separate fee structures. For details, please refer to the Most Important Terms and Conditions (MITC).

Can the annual fee for an IDFC FIRST Bank Add-On Card be waived?

Yes, the Rs 499 annual fee can be reversed if the Add-On Card (except Ashva and Mayura) is used to spend Rs 60,000 or more in a year. For Ashva and Mayura Add on Cards, the required spend is Rs 1,20,000 per year.

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 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, the Add-On Card holder is not eligible for the Welcome Benefits that are meant for the Primary Card holder. However, the Add-On Card holder can enjoy a separate joining benefit of 1,000 Reward Points by making a minimum transaction of Rs 500 within 15 days of card issuance.

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.

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Important Documents

Most Important Terms & Conditions

Card Member Agreement

Credit Card
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IDFC FIRST Bank Add-on Credit Card

Overview

Key Benefits

Add-on card members

Getting started

Eligible Cards

Fees & Charges

UPI

IDFC FIRST Bank Add-On Card

Because benefits are better when shared

Welcome Benefits

Faster Milestone Rewards

Annual Fee Waiver

Easy Spend Tracking

All the Perks

Instant Credit Access

Faster Rewards

Your Card, You’re in Control

For the Ones Who Matter Most

Spouse

Parents

Son/Daughter

Siblings

Close Friends

Ready to Share Your Card?

Cards You Can Share

FIRST Classic

FIRST Select

Mayura

Ashva

FIRST Millennia

FIRST Wealth

FIRST Power/Power+

Joining and Annual Fees

Get the power of UPI with your Add-on Credit Card

Frequently Asked Questions

Who can get IDFC FIRST Add-on Credit Cards?

On which credit card variants is the Add-on Credit Card not applicable?

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

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

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

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

Can the annual fee for an IDFC FIRST Bank Add-On Card be waived?

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

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

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

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

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

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

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