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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

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Never-Expiring Credit Card Reward Points – Up to 10x!

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Low, dynamic
Interest Rate
starting at 8.5% p.a.

Apply for a Credit Card with Instant Approval

Looking for a smarter way to pay? Apply for an IDFC FIRST Bank Credit Card and unlock the freedom to manage your finances effortlessly. Whether you’re upgrading your lifestyle or handling an unexpected expense, our credit cards give you just the financial flexibility you need. With interest rates starting from just 0.71% per month, you can spend confidently and repay conveniently. Enjoy seamless transactions, never-expiring reward points, and flexible repayment options — only with IDFC FIRST Credit Cards. Apply now and get instant approval!

With IDFC FIRST Bank Credit Cards, you enjoy:
Dynamic and Low APRs – Interest rates starting at just 8.5% per annum (0.71% per month)
Never-Expiring Reward Points – Earn and redeem rewards at your convenience
Exclusive Merchant Discounts & Offers – Save on shopping, dining, and travel
Flexible Repayment Options – Carry forward balances at affordable interest rates
Instant Approval & Seamless Application – Apply online and start using your card quickly

With IDFC FIRST Bank’s competitive APR, you can enjoy financial flexibility without excessive interest costs. Apply online today and experience a smarter way to manage your finances.

Explore The Best Credit Cards

Credit Cards designed for every need

Ashva
Add a touch of enchantment to everyday adventures
Mayura
Experience life’s finest
FIRST EA₹N
Assured cashback card for everyone
FIRST Millennia
For young digital natives
FIRST SWYP
Get it all, get it now!
FIRST Classic
For growing families
FIRST Power
For those who embrace the road
LIC Cards
Secure tomorrow, Live today
FIRST Select
For those with an evolving lifestyle
FIRST Wealth
Your perfect luxury enabler
FIRST WOW!
Deposit-backed premium card, for everyone
FIRST Private
Metal with a heart of gold

Credit Card Offers and Deals

What’s new?

See what’s freshly launched for you.

Earn cashback on every transaction!I

  • Earn up to 1% cashback on every spend
  • Assured credit card backed by your fixed deposit
  • Minimum credit limit of 100% of FD value


Get it for a Joining & Annual fee of ₹499 + GST

Your IDFC FIRST Bank Credit Card, now powered for UPI

Limited period offer

  • Fully digital card linked to your existing Credit Card limit
  • Get it at ₹199 + GST only
  • Scan & Pay at 60 million+ merchants QR codes
  • Earn up to 3X never expiring rewards on your UPI spends

With great power comes great savings!

Introducing the HPCL co-branded FIRST Power & FIRST Power+ Credit Cards & their power-packed privileges:

  • Up to 6.5% savings on Fuel & LPG
  • Up to 5% savings on IDFC FASTag recharges, utility & grocery spends
  • Up to 3X never-expiring rewards on other spends
  • Complimentary domestic airport lounge access*
  • 25% off on movie tickets*
  • Personal Accident Cover worth ₹2 lakhs
  • Complimentary Roadside Assistance worth ₹1,399

 

*T&Cs Apply

Get it all ! Get it now !

Introducing the FIRST SWYP Credit Card with annual benefits worth ₹30,000+ . Get a sneak peak of a few benefits below:

  • Welcome Offer of 2000 Reward Points worth ₹500 
  • Other Welcome offers: 1000 Reward Points, EaseMyTrip vouchers worth ₹2,100 & free Lenskart Gold Membership
  • Year -long discounts starting from 10% on your fav brands: Domino's, EaseMyTrip,SUGAR Cosmetics, TATA CLiQ & Zomato
  • Get up to 1400 Reward Points on monthly spends
  • Annual fee waiver, cash backs, movie discount vouchers and many more benefits on succesful referrals
  • 25% off on movie tickets up to ₹100 per month
  • Pay in full or EMIfy at a flat monthly EMI conversion fee & no other processing charges!
  • Enable UPI and earn 100 Reward Points on every ₹5,000 UPI spends in a statement month

 

*T&Cs Apply

Credit Card Eligibility Criteria

Know the factors that impact your credit card application.

Things to consider before applying for a credit card

Learn about Credit Card Interest Rates

IDFC FIRST Bank Credit Cards offer dynamic interest rates starting at just 9% p.a.

Credit card fees and charges

Know the varied fees and charges applicable on your credit cards.

Credit Card Joining and Lounge Access Benefits

Here’s how to get the most out of your credit card.

Book your travel with us to make the most of your Credit Card benefits

Redeem rewards on-the-go

Discover how to make the most of your credit card reward points.

EMI options on Credit Card

Here's everything you should know about EMI on your Credit Card.

Credit Card Balance Transfer

Here is everything you should know about Balance Transfer on your Credit Card.

Credit Card Bill Payment Options

Choose from multiple convenient options to pay your credit card bills.

Credit Card Security Tips

Learn ways to prevent unauthorised use of your credit card in the digital age.

Activate UPI on Credit Card

Use your existing card or apply for a new RuPay credit card today.

Credit Card Application Status check

Track your card status in an instant, all you need is your application number.

Shop, Earn, Redeem, Repeat!

An all-in-one shopping platform exclusively for IDFC FIRST Bank Credit and Debit cardholders!

Pre-Approved Loan against Credit Card Online Instantly

Here's everything you should know about Quick Cash on your Credit Card.

Online Credit Card Management from Mobile Banking App

Track, view offers, get support and more with our mobile banking app.

How to convert Credit Card Bills into Monthly EMIs

IDFC FIRST Bank Credit Cards let you convert any transaction above ₹2,500 into EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 36 months. Here’s how to convert purchases to EMI:

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

After purchase: You can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking with the following steps:

  • Navigate to your 'Credit Card' page
  • Click on 'Convert to EMI'
  • Transactions eligible for EMI will appear under this section
  • Select “Convert to EMI” against the transaction you wish to convert
  • Choose an EMI repayment plan
  • Accept the T&Cs and “Confirm” the EMI conversion
  • Alternatively, you can contact our customer care to convert transactions into EMI
Joining Benefits
  • Welcome voucher* worth ₹500 on spending ₹5000 or more within 30 days of card generation.
  • 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
Maximize your Benefits!
  • Gift a card to your family, friends or anyone you trust with their name on the card
  • Share your credit limit and all the benefits of your credit card with up to 3 persons
  • Reach the 10X rewards milestone faster by combining the spends of all your Add-on cards with your primary card
  • Get an assured card with no credit checks and a completely online process
  • Track and manage all your purchases from primary and Add-on cards in real time on our mobile app
Complimentary Lounge Access
    FIRST Millennia & FIRST Classic Credit Card
  • 4 complimentary railway lounge visits per quarter

  • FIRST Select Credit Card
  • 2 complimentary domestic airport lounge visits per quarter*
  • 4 complimentary railway lounge visits per quarter

  • FIRST Wealth Credit Card
  • 2 complimentary domestic airport lounge and spa visits, and 2 complimentary international airport lounge  visits per quarter*
  • 2 complimentary golf rounds per month^ 

  • Club Vistara IDFC FIRST Bank Credit Card
  • 2 complimentary domestic and 1 international airport lounge visit per quarter*

  • FIRST Power+
  • 1 complimentary domestic airport lounge visit per quarter*

*On minimum spend of ₹20,000 in the previous calendar month
^On spends of ₹20,000 and above in a monthly statement cycle

Apply for Credit Card Loan with Instant Approval

Need Quick Cash for your last-minute plans? Here’s your solution! Get a pre-approved loan with your IDFC FIRST Bank Credit Card. The funds are transferred instantly to your bank account with zero paperwork. Pay back in flexible EMI tenure of 3 to 48 months with interest rates starting from 1% p.m. Avail Now or Call on 1800 10 888.

Credit Card Eligibility Criteria

Your credit card approval depends on the specific eligible requirements that you meet. This includes your age, income, credit score, credit utilization ratio, and nationality. In addition, factors such as your locality and past credit card ownership may also affect your credit card eligibility.

Interest Rates on Credit Card offered by IDFC FIRST Bank

Credit card interest rates are applied when you carry forward your outstanding balance beyond the due date. Other credit cards in the market charge a standard and fixed interest rate up to 42% p.a.

IDFC FIRST Bank Credit Cards offer low and dynamic interest rates starting at just 9%.

Interest rates are typically stated as 'yearly' rates, also known as the Annual Percentage Rate (APR). If you repay your credit card balance in full by the due date, there is no interest charge. To avoid any charges, you must always pay the Total Amount Due each month. Paying the Minimum Amount Due is mandatory.

Fees and Charges applicable on Credit Cards

Zero Joining/Annual Fees

Most credit cards have annual fees, with waiver only on meeting certain spend conditions. In contrast, most IDFC FIRST Bank Credit Cards are lifetime-free i.e., with no annual fees and no conditions applied.

Our current lifetime free Credit Cards are FIRST Millennia, FIRST Classic, FIRST Select, FIRST Wealth & FIRST WOW!

0% Interest on Cash Withdrawal

When using a credit card for ATM cash withdrawals, most banks charge interest rates as high as 3.5% per month, plus a minimum transaction fee of ₹500.
IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until your bill’s due date and at a flat transaction fee of just ₹199.

For more information about our credit card fees and charges, click here.

Tips to keep your Credit Card details safe from banking frauds

In the face of rising cybercrime, it’s important to keep your credit card details safe to prevent any financial losses.

  • Choose credible websites and apps when paying with your credit card. Always remember that secure websites begin with HTTPS and HTTP. Only these websites should be used to make online credit card transactions. Watch out for dubious websites by checking for misspellings, ‘Not secure’ warnings, and online reviews.
  • Never share your Card Verification Value (CVV) with anyone. It is a unique number that protects your card from malpractices on the Internet.
  • Avoid swiping your credit card in an ATM or POS machine that looks tampered with.
  • Do not click on suspicious links in emails and text messages.
  • Avoid making online payments over public Wi-Fi networks.
  • If you have lost your credit card, immediately block it by calling the customer support team.

IDFC FIRST Bank Credit Cards come with advanced security features, including Tokenisation, two-factor authentication, and secured payment gateways for safe transactions. If you suspect any unauthorized activity on your credit card, contact our customer care or block your card immediately.

Check eligibility for a credit card

Your credit card approval depends on the specific eligible requirements that you meet. This includes your age, income, credit score, credit utilization ratio, and nationality. In addition, factors such as your locality and past credit card ownership may also affect your credit card eligibility.

Eligibility Factor

Requirement

Age

Adult applicants, 18 years or older

Income

Stable income, specific minimum varies by card. 

Employment status

Regular employment or steady income source

Credit History

Positive credit history preferred

Banking Relationship

Not mandatory, but may improve approval chances

 

Looking for a credit card that doesn’t consider your income or credit score? The IDFC FIRST WOW! Credit Card is your answer, offering a hassle-free way to obtain credit, backed by your fixed deposit.

Things to keep in mind when applying for a credit card

1. Credit score: Your credit score significantly influences the approval process and the interest rates offered. A higher score increases your chances of approval and access to better rates.

2. Interest rates and fees: It is important to compare interest rates, annual fees, and other charges. Opt for a IDFC FIRST Credit Card which suits your needs and comes with an affordable annual fee and interest rate to minimise costs as you build your credit history.

3. Credit limit: Assess the credit limit offered to ensure it meets your spending requirements without encouraging excessive debt. A higher limit can be beneficial for your credit score if managed responsibly.

4. Rewards and benefits: Look for cards that offer rewards, cashback deals, or travel benefits that match your lifestyle. Consider if the rewards are worth any additional costs.

5. Repayment terms: Understand the importance of paying your bill on time. Familiarise yourself with the billing cycle, grace period, and minimum payment requirements to avoid late fees and interest charges.

6. Eligibility criteria: Confirm that you meet the card’s eligibility criteria, including age, income, and employment status, to increase your approval chances.

Enhance Travel Experience with Credit Cards from IDFC FIRST Banks

Introducing the ultimate travel platform designed specifically for IDFC FIRST Bank Debit and Credit Card holders. Access exclusive benefits, including:

•  ZERO Convenience Fee on Flight Bookings

•  20 Bonus Reward Points on every ₹100 spent on Hotel Bookings

•  Seamless in-app booking experience

Book Now* with the IDFC FIRST Mobile Banking app!

How to book your flights and hotels

1.  Login to the IDFC FIRST Mobile Banking App

2.  Visit Travel and Shop

3.  Click Flight Booking or Hotels to explore and book your flight or stay 

Note: The travel portal is powered by Tripstacc that solely displays offers extended by merchants/partners to IDFC FIRST Bank Customers. The Bank facilitates the payment but do not directly own the offers made on the portal.

This service is available only through the IDFC FIRST Mobile Banking app. Payments on the platform can be made through any IDFC FIRST Bank Credit or Debit Card. Bonus reward points are not applicable on payments made with the Club Vistara IDFC FIRST Credit Card.

*Book now link is only applicable via mobile considering IDFC FIRST Mobile Banking App is installed on your phone. 

Earn Bonus Reward Points with Every Purchase

You can now multiply the Reward Points you earn with your IDFC FIRST Bank Credit Card or Debit Card by shopping on our in-app platform, powered by Shopstacc. Enjoy exclusive shopping deals, offers on merchandise, gift vouchers and much more across various categories like mobile & accessories, electronics, home & kitchen, personal grooming and more.

How to use:

1.  In the mobile app, select ‘Travel & Shop’ section and click on the Shopping button

2.  Make your payment through your IDFC FIRST Bank Debit Card or Credit Card

Here are the benefits that you enjoy:

Shop for products & vouchers at attractive discounts

Earn bonus reward points - over and above your card’s reward program

Free delivery (No minimum order value needed)

Exclusive deals & offers only for IDFC FIRST Cardholders

Please note:

- The shopping platform is powered by Shopstacc that solely displays offers extended to IDFC FIRST Bank customers. IDFC FIRST Bank does not own or control the platform.

- The benefits are available to all the IDFC FIRST Bank Debit Card and Credit Cardholders.

- The reward point benefit won’t be available on the Club Vistara IDFC FIRST Credit Card.

Learn about Credit Card in Detail

Discover more about IDFC FIRST Bank Credit Cards

What sets metal credit cards apart as the ultimate status symbol?

Metal credit cards are highly prized for their luxe features. Discover how these cards can enhance your lifestyle.

10 Benefits of the FIRST Power and FIRST Power+ Credit Cards

Enjoy up to 6.5% savings per month on fuel expenses with IDFC FIRST Bank and HPCL co-branded credit cards.

Ways to redeem your credit card reward points

IDFC FIRST Bank offers simple and convenient ways to redeem your never-expiring credit card reward points.

How to link your RuPay Credit Card with UPI

Here’s a detailed guide to linking your RuPay Credit Card to UPI apps like BHIM, PayTM, PhonePe, GooglePay, and CRED.

Top benefits & features zero forex markup Credit Cards

Forex markup fees are charges that apply when transacting in a foreign currency with your credit card.

The advantages of having an IDFC FIRST Millennia Credit Card

The FIRST Millennia Credit Card is a lifetime-free credit card, carefully crafted with millennial lifestyles and financial needs in mind.

Testimonials

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.

Jayesh Panchal(Vapi Gujarat)

FIRST Millennia Customer

The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.

Lokesh Kamani(Pune)

FIRST Wealth Customer

While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.

Jasvantsinh Rathod(Gandhinagar)

FIRST Wealth Customer

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.

Litesh Jethani(Mumbai)

FIRST Wealth Customer

You can use these Reward Points on any online transaction so I am very happy to use it.

Sachin Kumar(Delhi)

FIRST Select Customer

As compared to other banks the reward points are the best. Anytime IDFC offers are better than other cards. It’s my high usage card.

Sagar Vaniya(Surat)

FIRST Millennia Customer

Credit Card FAQs

Reward points

Card Features

Privileges

Card Controls

EMI

Add-on Cards

Statement

Re-payment

Card Blocking

Apply for credit card

Credit limit

All

What are the benefits of a credit card?

  1. Convenience: Credit cards offer ease of use for both online and offline transactions.
  2. Credit building: Responsible use of a credit card can help build and improve your credit score.
  3. Rewards and cashback: Many credit cards offer rewards points, cashback deals, and other incentives for spending.
  4. Purchase protection: Credit cards often come with protections like extended warranties, purchase protection, and fraud protection.
  5. Emergency fund: Credit cards can act as an emergency source of funds when needed.

Also Read: - Top Benefits and Uses of Credit Card

How can I redeem Credit Card reward points?

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

Are all IDFC FIRST Bank Credit Card Reward Points never expiring?

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.

How does 10X rewards get calculated?

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.

What are never expiring Reward Points?

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.

Why is a credit card important?

Credit cards are important for several reasons:

  1. Credit history: Credit cards help build a credit history, which is crucial for obtaining loans and other financial products.
  2. Financial flexibility: These cards offer financial flexibility in managing cash flow and emergencies.
  3. Rewards and benefits: They provide various rewards, cashback deals, and discounts.
  4. Emergency funds: Credit cards offer a financial cushion to manage unexpected situations. Whether for sudden medical expenses, last-minute travels, or urgent repairs, having a credit card means you can cover costs immediately and clear your credit card bill later.

How can I avail of movie discounts on my IDFC FIRST Bank Credit Card?

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.

How can I avail of my complimentary lounge/spa benefit?

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.

How can I claim my welcome benefits?

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

What are the dos and don’ts of using a credit card?

Dos:

  1. Pay on time: Always make your payments on or before the due date.
  2. Pay in full: Try to pay off the entire balance each month to avoid interest charges.
  3. Monitor statements: Regularly review your statements for any unauthorized transactions.
  4. Keep track of spending: Maintain a record of your spending to avoid overspending.

Don’ts:

  1. Miss payments: Avoid missing payments as it can lead to late fees and a negative impact on your credit score.
  2. Max out the limit: Try not to use up your entire credit limit as it can affect your credit score.

Take cash advances: Cash advances often come with high fees and interest rates.

Can I use my credit card for international transactions?

Yes, almost all credit cards from IDFC FIRST Bank can be used for international transactions. However, you may be charged a foreign transaction fee known as forex markup fee. The forex charges vary between 1.5% to 3.5% depending on the type of credit card. With the FIRST WOW! credit card, you can enjoy zero forex markup fee on all international transactions. 

Can I withdraw cash using my Credit Card?

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.

Do IDFC FIRST Bank Credit Cards offer low, dynamic APR?

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.

What is APR?

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).

How does a credit card work?

A credit card works by allowing you to access money up to a pre-set limit for purchases or cash advances. You can use the card to pay for goods and services, and at the end of the billing cycle, you receive a statement detailing your transactions. You must make at least the minimum payment by the due date to avoid late fees and penalties. Interest is charged on any outstanding balance carried forward to the next cycle. IDFC FIRST Bank credit cards also offer lucrative reward programs and year-long offers on popular merchants and brands when you use a credit card for daily transactions. 

How do I generate my Credit Card PIN?

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.

Does IDFC FIRST Bank provide contactless Credit Cards?

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.

How can I enable/disable my IDFC FIRST Bank Credit Card for online/merchant outlet transactions?

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

How can I get my CVV number without my card?

The CVV (Card Verification Value) number is a security feature printed on your card. For security reasons, it is not stored in databases or provided online.

If you don't have your physical card and need the CVV number, you can find it by logging into the IDFC FIRST Bank mobile app. If you are instructed to contact bank personnel for the same, you can easily reach the call centre at 180010888, available 24/7. After verifying your identity, the bank personnel may provide your card details. They can also help you block your current card and issue a new one with a new CVV number. 

Which Credit Card transactions are eligible for EMI conversion?

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.

What is the eligibility criteria for applying for an instant loan via my IDFC FIRST Bank Credit Card?

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.

Are there any EMI conversion charges on my IDFC FIRST Bank Credit Card?

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

How can I convert transactions to EMI?

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.

Can I apply for an add-on card?

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.

I already have an IDFC FIRST Bank Credit Card. Can I apply for another one?

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

What is a credit card statement?

A credit card statement is a monthly report provided by the credit card issuer that details all transactions made with the card during the billing cycle. It includes the outstanding balance, minimum payment due, payment due date, and any applicable fees or interest charges.

Also Read: - How Read Your Credit Card Statement

What is a credit card outstanding balance?

The outstanding balance on a credit card is the amount you owe to the credit card issuer at any given time. This includes all purchases, cash advances, fees, and any interest charges that have been applied.

How can I view my Credit Card statement?

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”

What fees and charges are associated with a credit card?

Below listed are the applicable fees and charges on credit cards: -

  1. Annual fee: A yearly charge for maintaining the card.
  2. Interest charges: Applied to the outstanding balance if not paid in full by the due date.
  3. Late payment fee: Charged if you miss the payment due date.
  4. Cash advance fee: A fee for withdrawing cash using the credit card.
  5. Foreign transaction fee: Charged for transactions made in a foreign currency.
  6. Over-limit fee: Charged if you exceed your credit limit.

What is the process for setting up auto debit on my Credit Card?

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

What are the payment options available for paying IDFC FIRST Bank Credit Card Bills?

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.

Can I pay a Credit Card bill online via NEFT?

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

Is it possible to change my Credit Card's auto-debit facility from Total Amount Due to Minimum Amount Due?

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

How do I activate my IDFC FIRST Bank Credit Card?

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.

What should I do if my Credit Card is lost, stolen or damaged?

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.

How can I block my Credit Card?

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.

How can I apply for a Credit Card online?

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.

Who can apply for an IDFC FIRST 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.

Am I eligible for a credit card? What are the eligibility criteria for a credit card?

The eligibility requirements vary depending on the type of credit card you are applying for. You can choose a specific card from the list of IDFC FIRST Bank credit cards to know the specific criteria. Key Factors for Credit Card Eligibility are as follows:

  1. Age: You must be at least 18 years old.
  2. Income: Applicant must have a stable and sufficient income.
  3. Credit score: A good credit score enhances your chances of approval.
  4. Employment status: Regular employment or a steady source of income is required.
  5. Existing debt: Your current debt levels will be assessed to determine your ability to handle additional credit.

What is the credit limit on a credit card?

The credit limit is the maximum amount you are allowed to borrow using your credit card. This limit is determined by the bank based on your credit score, income, and other financial factors.

What is my Credit Card limit?

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.

How can I increase my credit limit?

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.

How to change the daily transaction limit of my IDFC FIRST Bank Credit Card?

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.

 

What is a credit card?

A credit card is a type of card issued by banks or financial institutions that allows you to borrow money up to a set limit for purchases or cash advances. The borrowed amount must be repaid according to the terms and conditions outlined by the credit card issuer. If the full balance is paid before the due date, interest charges for that billing cycle can be avoided.
In addition, credit cards often offer reward points and lifestyle benefits and access to special deals from merchants, making them a convenient and practical tool for managing expenses and earning perks. Furthermore, using a credit card responsibly can contribute to building and improving your credit history.

Why is a credit card important?

Credit cards are important for several reasons:

  1. Credit history: Credit cards help build a credit history, which is crucial for obtaining loans and other financial products.
  2. Financial flexibility: These cards offer financial flexibility in managing cash flow and emergencies.
  3. Rewards and benefits: They provide various rewards, cashback deals, and discounts.
  4. Emergency funds: Credit cards offer a financial cushion to manage unexpected situations. Whether for sudden medical expenses, last-minute travels, or urgent repairs, having a credit card means you can cover costs immediately and clear your credit card bill later.

How does a credit card work?

A credit card works by allowing you to access money up to a pre-set limit for purchases or cash advances. You can use the card to pay for goods and services, and at the end of the billing cycle, you receive a statement detailing your transactions. You must make at least the minimum payment by the due date to avoid late fees and penalties. Interest is charged on any outstanding balance carried forward to the next cycle. IDFC FIRST Bank credit cards also offer lucrative reward programs and year-long offers on popular merchants and brands when you use a credit card for daily transactions. 

How can I apply for a Credit Card online?

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.

What is a credit card statement?

A credit card statement is a monthly report provided by the credit card issuer that details all transactions made with the card during the billing cycle. It includes the outstanding balance, minimum payment due, payment due date, and any applicable fees or interest charges.

Also Read: - How Read Your Credit Card Statement

What is a credit card outstanding balance?

The outstanding balance on a credit card is the amount you owe to the credit card issuer at any given time. This includes all purchases, cash advances, fees, and any interest charges that have been applied.

What is the credit limit on a credit card?

The credit limit is the maximum amount you are allowed to borrow using your credit card. This limit is determined by the bank based on your credit score, income, and other financial factors.

What fees and charges are associated with a credit card?

Below listed are the applicable fees and charges on credit cards: -

  1. Annual fee: A yearly charge for maintaining the card.
  2. Interest charges: Applied to the outstanding balance if not paid in full by the due date.
  3. Late payment fee: Charged if you miss the payment due date.
  4. Cash advance fee: A fee for withdrawing cash using the credit card.
  5. Foreign transaction fee: Charged for transactions made in a foreign currency.
  6. Over-limit fee: Charged if you exceed your credit limit.

What are the benefits of a credit card?

  1. Convenience: Credit cards offer ease of use for both online and offline transactions.
  2. Credit building: Responsible use of a credit card can help build and improve your credit score.
  3. Rewards and cashback: Many credit cards offer rewards points, cashback deals, and other incentives for spending.
  4. Purchase protection: Credit cards often come with protections like extended warranties, purchase protection, and fraud protection.
  5. Emergency fund: Credit cards can act as an emergency source of funds when needed.

Also Read: - Top Benefits and Uses of Credit Card

What is my Credit Card limit?

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.

How do I generate my Credit Card PIN?

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.

How do I activate my IDFC FIRST Bank Credit Card?

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.

How can I view my Credit Card statement?

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”

How can I redeem Credit Card reward points?

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

How can I increase my credit limit?

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.

Who can apply for an IDFC FIRST 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.

Which Credit Card transactions are eligible for EMI conversion?

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.

What should I do if my Credit Card is lost, stolen or damaged?

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.

What is the process for setting up auto debit on my Credit Card?

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

What is the eligibility criteria for applying for an instant loan via my IDFC FIRST Bank Credit Card?

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.

What are the payment options available for paying IDFC FIRST Bank Credit Card Bills?

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.

What are the dos and don’ts of using a credit card?

Dos:

  1. Pay on time: Always make your payments on or before the due date.
  2. Pay in full: Try to pay off the entire balance each month to avoid interest charges.
  3. Monitor statements: Regularly review your statements for any unauthorized transactions.
  4. Keep track of spending: Maintain a record of your spending to avoid overspending.

Don’ts:

  1. Miss payments: Avoid missing payments as it can lead to late fees and a negative impact on your credit score.
  2. Max out the limit: Try not to use up your entire credit limit as it can affect your credit score.

Take cash advances: Cash advances often come with high fees and interest rates.

How to change the daily transaction limit of my IDFC FIRST Bank Credit Card?

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.

 

Am I eligible for a credit card? What are the eligibility criteria for a credit card?

The eligibility requirements vary depending on the type of credit card you are applying for. You can choose a specific card from the list of IDFC FIRST Bank credit cards to know the specific criteria. Key Factors for Credit Card Eligibility are as follows:

  1. Age: You must be at least 18 years old.
  2. Income: Applicant must have a stable and sufficient income.
  3. Credit score: A good credit score enhances your chances of approval.
  4. Employment status: Regular employment or a steady source of income is required.
  5. Existing debt: Your current debt levels will be assessed to determine your ability to handle additional credit.

Are all IDFC FIRST Bank Credit Card Reward Points never expiring?

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.

Are there any EMI conversion charges on my IDFC FIRST Bank Credit Card?

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

Can I apply for an add-on card?

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.

Can I pay a Credit Card bill online via NEFT?

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

Can I use my credit card for international transactions?

Yes, almost all credit cards from IDFC FIRST Bank can be used for international transactions. However, you may be charged a foreign transaction fee known as forex markup fee. The forex charges vary between 1.5% to 3.5% depending on the type of credit card. With the FIRST WOW! credit card, you can enjoy zero forex markup fee on all international transactions. 

Can I withdraw cash using my Credit Card?

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.

Do IDFC FIRST Bank Credit Cards offer low, dynamic APR?

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.

Does IDFC FIRST Bank provide contactless Credit Cards?

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.

How can I avail of movie discounts on my IDFC FIRST Bank Credit Card?

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.

How can I avail of my complimentary lounge/spa benefit?

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.

How can I block my Credit Card?

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.

How can I claim my welcome benefits?

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

How can I convert transactions to EMI?

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.

How can I enable/disable my IDFC FIRST Bank Credit Card for online/merchant outlet transactions?

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

How can I get my CVV number without my card?

The CVV (Card Verification Value) number is a security feature printed on your card. For security reasons, it is not stored in databases or provided online.

If you don't have your physical card and need the CVV number, you can find it by logging into the IDFC FIRST Bank mobile app. If you are instructed to contact bank personnel for the same, you can easily reach the call centre at 180010888, available 24/7. After verifying your identity, the bank personnel may provide your card details. They can also help you block your current card and issue a new one with a new CVV number. 

How does 10X rewards get calculated?

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.

I already have an IDFC FIRST Bank Credit Card. Can I apply for another one?

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

Is it possible to change my Credit Card's auto-debit facility from Total Amount Due to Minimum Amount Due?

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

What are never expiring Reward Points?

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.

What is APR?

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).

All Cards (11)

All

Premium Metal

Zero Forex & Travel

Lifetime Free

10X Rewards

UPI Cards

Fuel & Utility

Showstopper

Credit Builder

Mayura

Eligibility: Annual income > ₹25 Lacs

  • Premium metal credit card
  • Cashback up to ₹4,000 as welcome benefit
  • Up to 10X reward points
  • ZERO forex markup
  • Complimentary golf rounds and airport lounge visits
  • Movie benefit worth ₹1,000 every month

Ashva

Eligibility: Annual income > ₹12 Lacs

  • Premium metal credit card
  • Cashback up to ₹2,000 as welcome benefit
  • Up to 10X reward points
  • 1% forex markup
  • Complimentary golf rounds and airport lounge visits
  • Movie benefit worth ₹800 every month

FIRST EA₹N

Eligibility: No Income document required

  • Up to 1% cashback on all UPI spends.
  • Welcome offer - 100% cashback of upto Rs 200
  • Fixed Deposit (FD)-backed assured, virtual credit card

FIRST Millennia

Eligibility: Annual income > ₹3 Lacs

  • Lifetime free
  • Welcome benefits worth up to ₹1,500
  • Up to 10X never expiring rewards
  • 300+ merchant offers everyday
  • Movie ticket offers, Fuel surcharge waiver & more

FIRST SWYP

Eligibility: Annual income > ₹3 Lacs

  • Welcome benefits worth ₹2,000+
  • Up to 1,400 Reward Points on monthly spends
  • Up to 20% off on Featured Partners & more

FIRST Classic

Eligibility: Annual income > ₹3 Lacs

  • Lifetime free
  • Up to 10X never expiring rewards
  • 25% Off on PayTM Movies
  • Complimentary Railway Lounge Access

FIRST Power

Eligibility: Annual income > ₹3 Lacs

  • Powered with UPI
  • Welcome benefit worth ₹1,400
  • 5% savings on fuel spends
  • 2.5% savings on Grocery & Utility spends

FIRST Power+

Eligibility: Annual income > ₹3 Lacs

  • Powered with UPI
  • 6.5% savings on fuel spends
  • 5% savings on Grocery & Utility spends
  • Complimentary Airport Lounge Access

LIC IDFC FIRST Bank Credit Cards

Eligibility: Annual income > ₹ 3 Lacs

  • Up to 10X Rewards on LIC Insurance Premium Payment
  • Domestic Airport & Railway Lounge Access
  • Welcome offers worth ₹3,000+
  • Up to 5X Rewards on other eligible spends

FIRST Select

Eligibility: Annual income > Rs 12 Lacs

  • Lifetime free
  • Up to 10X never expiring reward points
  • Domestic Airport Lounge Access
  • Movie ticket offers, Fuel surcharge waiver & more

FIRST Wealth

Eligibility: Annual income > ₹36 Lacs

  • Lifetime Free
  • Up to 10X never expiring reward points
  • Domestic & International Airport Lounge Access
  • Complimentary Golf Access

FIRST WOW!

Eligibility: No Income document required

  • Lifetime Free
  • 0% Forex Markup fee
  • No Credit history needed
  • Fixed Deposit (FD)-backed assured, premium Credit Card

FIRST Private

Eligibility: By Invitation only Metal Credit Card

  • Taj Dining Vouchers, Complimentary Hotel Memberships
  • 0% Forex Mark Up. 0 Over limit fee. 0 interest on Cash Withdrawal, 9% APR
  • Unlimited complimentary Airport Lounge access
  • Unlimited complimentary Golf rounds