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.
The Add-on Credit Card is not available for FIRST WOW!, FIRST EA₹N, FIRST SWYP and FIRST Business Credit Card variants.
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.
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).
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.
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
No, all reward points will be accrued to the primary cardholder account and can be redeemed only by the 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.
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.