Customer Speak

Ankit Bagadiya
5/5
One of the best cards I have used. I have 7 other credit cards but this is the best across parameters
Nilesh Tiwari
5/5
Excellent rewards , cashback, very low interest rate, great design, free insurance! Can't stop telling more
Arshal John
4/5
Application process was very nice; from onboarding to the delivery of credit card everything was fast.
Preety Singh
4/5
Welcome kit is awesomely designed. It gives the feeling that IDFC FIRST Bank really puts its customers first.
Pawan Kumar
5/5
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?

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.

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?

There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Add-on Credit Cards

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.

FIRST Classic and FIRST Millennia

For 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 Select

For 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 Wealth

For 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

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, Add-on Credit Card holder cannot avail any Welcome benefits. Only the Primary Card holder can avail the Welcome Benefits once eligible.

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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