Parents, Spouse, Children and Siblings (Brothers & Sisters) of the Primary Credit Card holder can avail IDFC FIRST Bank Add-on Credit Card. Add-on card can be issued to children & siblings aged 18 and above.
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
Add-on applicant will be issued the same card variant as the Primary Credit Card holder.
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.
There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Add-on Credit Cards
Yes, the Primary Credit Card holder will earn rewards points for all purchase transactions done on the IDFC FIRST Bank Add –on Credit Card.
FIRST Classic and FIRST MillenniaFor every ₹150 spent, you will receive 3X reward points on all offline and Rental & Property Management transactions, 6X reward points on all online transactions and 10X reward points on all incremental spends above ₹20,000 every billing cycle.
FIRST SelectFor every ₹125 spent, you will receive 3X reward points on all offline and Rental & Property Management transactions, 6X reward points on all online transactions and 10X reward points on all incremental spends above ₹25,000 every billing cycle.
FIRST WealthFor every ₹100 spent, you will receive 3X reward points on all offline and Rental & Property Management transactions, 6X reward points on all online transactions and 10X reward points on all incremental spends above ₹30,000 every billing cycle.
For all credit cards, please note:
Reward program is not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental & Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points
1X Reward point = ₹ 0.25
No, all reward points will be accrued to the primary cardholder account and can be redeemed only by the Primary Card holder.
No, Add-on Credit Card holder cannot avail any Welcome benefits. Only the Primary Card holder can avail the Welcome Benefits once eligible.
Annual Rate of Interest on Add-on Credit Card will be same as that on Primary Credit Card.
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
The Primary Credit Card holder will be liable to clear outstanding amount on Add-on Credit Card/s.