Rewards points are earned as soon as the merchant settles a purchase. On the statement date, eligible purchases are cumulatively added to determine if the 10x thresholds have been met.

On transactions above the threshold cut-offs, 10X rewards will be calculated as follows:

1. For eligible online transactions where 6X reward points are already accrued, additional 4X reward points will be credited.
   

Note: Government services, Wallet Loads, Education Spends, Rental, insurance, and utility bill spends; cash withdrawals, EMI conversions, and reverse credits are not included in the 10X threshold calculation.

You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:

1. Visit Rewards website
2. On Net banking/Mobile Banking go to “Reward redemption” section
3. Select “Pay with Reward points” for online purchases on the OTP page at time of making the transaction
4. Choose “Pay with Reward points” for in-store purchases at the time of the transaction (at select Pine Lab terminals). Please note that a reward redemption fee of ₹99 + GST will be applicable on redemption

Never expiring Reward Points are Reward Points with no end validity date, or expiry period. Once earned, these points are available for use till the time you redeem them. Upon redemption, redeemed number of reward points are deducted from available reward point balance.

Most IDFC FIRST Bank Credit Cards come with Reward Points that never expire. One exception is the Club Vistara IDFC FIRST Credit Card, where the points earned are Club Vistara Points (CV Points) and their validity / redemption policies are determined by the Club Vistara partner program. The other exceptions are the LIC IDFC FIRST Bank Credit Cards (LIC Classic Credit Card & LIC Select Credit Card) where the Reward Points expire in 3 years.

You can activate your lounge/spa benefit by spending a minimum of ₹20,000 in any calendar month to activate the benefit for next month.

For example, if you meet the spending criteria between 1st and 31st March, the benefit will be activated for April.

Please refer to your Credit Card product webpage to view the list of eligible lounge benefits and privileges.

To avail of movie discounts, visit Paytm mobile app and use the IDFC FIRST Bank Credit Card voucher code when you purchase tickets. Please refer to the privileges section of the respective product pages for more details.

Please click here to learn how to claim your welcome benefit voucher of ₹500 on your IDFC FIRST Bank Credit Card.

APR (Annual Percentage Rate) in a Credit Card indicates the interest charged on a credit account, which is applied on the bill due date only if credit card holders do not pay their bills in full (this interest is applied on the outstanding amount).

Yes, IDFC FIRST Bank Credit Cards offer cardmembers low and dynamic APR. APR is offered to card members based on various factors such as credit score, income profile, repayment behaviour, etc.

Certainly! You can withdraw cash from ATMs with IDFC FIRST Bank Credit Cards, interest-free for up to 48 days – both in India and abroad (forex mark-up charges apply as per card type). There is a cash withdrawal limit of ₹10,000 per transaction and a cash advance fee of ₹199 + GST applicable.

Terms & Conditions apply. Refer to the MITC document for more details.

You can generate your IDFC FIRST Bank Credit Card PIN via any of the following methods:

Website:

1. Click on the “Generate Credit Card PIN” after logging in here with your registered mobile number
2. Enter “Customer ID” & “Credit Card number” and tap on Get OTP
3. Verify using the OTP sent on your registered mobile number
4. Enter and Re-enter PIN of your choice and click on confirm
5. Your Credit Card PIN is set

Net Banking:

1. Login to your Net Banking account
2. Selectthe Credit Card section
3. Select Set a new PIN
4. Enter and re-enter the PIN of your choice, and tap on Get OTP
5. Please verify through the OTP sent to your registered mobile number
6. Your Credit Card PIN is set

IDFC FIRST Bank Mobile Banking App:

1. Login to the Mobile Banking App
2. Access the Credit Card section
3. Select Set new PIN
4. Enter and Re-enter the PIN of your choice and click on Get OTP
5. Your Credit Card PIN is set

Customer Care:

Dial our Customer Care 1800 10 888 from your registered mobile number and follow the instructions on the IVR to generate the Card PIN.

Yes, all IDFC FIRST Bank Credit Cards support contactless transactions. However, it must be activated manually in the card controls of the mobile app/net banking portal.

The following steps will guide you through enabling transaction preferences on your IDFC FIRST Bank Credit Card:

Login to the mobile banking app/net banking

1. Click on Credit Card
2. Navigate to 'Card Controls'
3. Click on 'Manage' to turn on / off transaction preferences

Big purchases and small EMIs are possible with IDFC FIRST Bank Credit Cards! Enjoy 300+ merchant offers and stop worrying about huge bills. Convert your IDFC FIRST Bank Credit Card transactions above ₹2,500 into easy EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 18 months. Here’s how to convert purchases to EMI:

Online or in-store purchases (at eligible merchants) can be converted to EMI at the time of Credit Card payment confirmation.

Any time before your transaction is due for payment, you can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking.

EMI conversion steps via Mobile App/Net Banking:

1. Navigate to your 'Credit Card' page
2. At the bottom of the screen Click on 'Convert to EMI'
3. Transactions eligible for EMI will appear under this section
4. Select the option “Convert to EMI” for the transaction you wish to convert
5. Choose an EMI repayment plan based on your preference
6. Accept the T&Cs and “Confirm” the conversion of your transaction to EMI

Alternatively, you can contact our customer care to convert transactions into EMI.

If you do not see a certain transaction under the ‘Convert to EMI’ section, it means it is ineligible due to certain rules. These rules include the amount of the transaction or merchant category restrictions.

Currently, transactions above ₹2,500 are eligible for EMI conversion.

Steps via Mobile app/ Net Banking:

1. Click on 'Credit Card'
2. Click on 'Convert to EMI'
3. Transactions eligible for EMI will appear under this section.

Note : If the transaction does not appear, it is likely to be ineligible for EMI conversion based on the category or merchant type.

There will be a one-time processing fee and interest rate associated with EMI conversion.

It is an offer-based facility, and there are no eligibility requirements for applying for an instant loan with the IDFC FIRST Bank Credit Card.

You can apply for our Co-branded Credit Cards if you are already an IDFC FIRST Bank credit card holder.

The credit limit will be shared with your existing IDFC FIRST Bank Credit Card.

Additionally, you can also apply for:

1. FIRST Digital RuPay Credit Card: To enable UPI transactions on your existing IDFC FIRST Bank Credit Card, you can apply for our instantly issued RuPay Credit Card
2. FIRST WOW! Credit Card: A secured, fixed deposit-backed card with 0% forex markup fees on international transactions
3. Stories: A personalised Credit Card with your favourite image on it
4. Add-on cards: You can also obtain an add-on Credit Card for anyone, including friends and family members, if you are an existing IDFC FIRST Bank Credit Card holder

Yes, you can apply for an Add-on card for your spouse, sibling, parent, child, friend, or acquaintance. Click here to apply and learn more.

You can track your Credit Card transactions by following the below steps:

Mobile Banking app/Net Banking:

1. Log in to your Mobile Banking/ Net Banking account
2. Under the "Credit Cards section, click on your card
3. On the dashboard, click on “View Statement”

IDFC FIRST Bank offers various payment options to pay your Credit Card bills. Click here to pay now. You can also pay your Credit Card bill through the following options:

1. Auto debit from an IDFC FIRST Bank Savings Account
2. IDFC FIRST Bank Mobile application
3. Net Banking
4. UPI payment
5. IMPS/NEFT
6. Cash Deposit
7. Cheque
8. Debit Card

To learn more about these options click here.

To enable auto-debit on your Credit Card, follow the steps below:

1. Click here to login to the mobile application/Internet banking
2. Go to ‘Accounts’
3. Select Cards
4. Navigate to Auto-pay credit bills to utilise the auto-debit facility

Cardholders can modify standing instructions by logging into their IDFC FIRST Bank Internet/Mobile Banking account:

1. Click on ‘Credit Card’
2. Select ‘Manage Auto Pay’
3. Set up Total Amount Payment or Minimum Amount Payment

Yes, IDFC FIRST Bank gives its Credit Card holders the option to pay dues through IMPS/NEFT. Use the following details to pay:

Payee Name: Name as on your IDFC FIRST Bank Credit Card
Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number
Bank Name: IDFC FIRST Bank
IFSC Code: IDFB0010225

If for any reason you choose to block your Credit Card, you can do so by clicking here

You can also do so using the IDFC FIRST Bank App/Net Banking.

1. Login to the mobile banking app/Netbanking services
2. Go to Accounts
3. Select Cards
4. On the dashboard, select temporary/permanent block Alternatively you can send as SMS CCBLOCK (last 4 digit of card) to 5676732 or call our customer care number 1800 10 888 for further assistance.

You may activate your IDFC FIRST Bank Credit Card by following the below steps:

1. Log into your IDFC FIRST Bank Mobile Banking app/Internet banking account
2. Click on 'Credit Card'
3. Click on 'Unblock' and then click on 'Confirm'

You may also call on the 24/7 toll-free number mentioned on our website to unblock your Credit Card or request a replacement card in case of a permanently blocked card.

When your Credit Card is lost, stolen or damaged, it is advisable to block it permanently and request a replacement. If your Credit Card is lost or stolen, blocking it will prevent any misuse. Click here to block your Credit Card, and select the Permanent block option.

Our application process is paperless and painless. Here’s a step-by-step guide to get you started:

1. Open the IDFC FIRST Bank website on your internet browser
2. Click on ‘Apply Now’ under Credit Cards section on the home page
3. Complete your verification through OTP sent on your mobile number
4. Fill out the digital form with all your details
5. Complete your online application by giving your consent to proceed
6. Get your Credit Card delivered with 4-5 working days and your virtual Credit Card instantly on the IDFC FIRST Mobile Banking App
7. Alternatively, if you already have an IDFC FIRST Bank Credit Card offer, then you can also log into the IDFC FIRST Bank mobile banking app to apply for the Credit Card.

You can get your IDFC FIRST Credit Card if you meet the eligibility criteria such as:

• • You must be at least 21 years old
• • You must be an Indian citizen
• • You must have a healthy credit score
• • Your credit usage ratio must be within an acceptable level
• • You must have an Annual Income of:*
  1. o ₹3 lacs or more for FIRST Classic & FIRST Millennia
  2. o ₹12 lacs or more for FIRST Select
  3. o ₹36 lacs or more for FIRST Wealth

Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

For the FIRST WOW Credit Card:

You must be an Indian citizen at least 18 years of age.

The credit limit is the maximum amount you can spend with the Credit Card. The credit limit is assigned when the Credit Card is issued based on the card type and the individual's credit history.

We believe in providing our customers with the best product offerings, which is why we'll contact you if we have an offer available for you to increase your credit limit. Alternatively, you may send your income documents (last 3 months' bank statements with salary credits or last ITR copy if you are self-employed) to banker@idfcfirstbank.com. It is important to note that credit limit increase requests are subject to internal evaluation and assessment at the Bank's discretion.

To reduce the credit limit on your IDFC FIRST Bank Credit Card, follow these steps:

1 Mobile Banking app/Net Banking

1. Click on Credit Card
2. Navigate to 'Card Controls'
3. Click on 'Manage' to increase or decrease your daily transaction limit.

2. Website

1. Click here and enter your registered Mobile Number or Credit Card number and click on 'Get OTP'.
2. Click on 'Get OTP' You will be directed to the Card Controls page, where you can increase or decrease your daily transaction limit.