Customer Speak

Jayesh Panchal
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.
Litesh Jethani
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.
Arshal John
Application process was very nice; from onboarding to the delivery of credit card everything was fast.
Sagar Vaniya
Offers are anytime better than other cards. It’s my high usage card.
Pawan Kumar
Very fast service, exciting rewards program and cashback along with attractive EMI options.

Frequently Asked Questions

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.

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.

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 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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