Top reasons why our customers love this credit card
* For more details on benefits and privileges, please visit our website
+ More reasons to love the card
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Top 3 reasons why our customers love this credit card
-
Lifetime free with zero documentation -
Low interest rates starting from 8.5% p.a. -
For more details on privileges, please visit our website
+ More reasons to love the card
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Customer Speak
Have questions? Here are the answers!
There is no Joining or Annual fee applicable on following IDFC FIRST Bank credit cards FIRST Millennia FIRST Classic FIRST Select FIRST Wealth FIRST WOW! LIC Classic LIC Select
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date.
Effective 20th February, interest rate will be revised to 0.71% - 3.85% per month
You will earn rewards points for all purchase transactions* done on your IDFC FIRST Bank Credit Card.
*Transactions that will not accrue reward points: 1) Cash Withdrawal 2) Transactions done on fuel and insurance categories 3) Transactions which are converted to EMI
For every Rs 150 spent, you will get 3X reward points for online & offline spends on select categories and 10X reward points on all incremental spends above threshold
For all credit cards, please note:
Reward program is not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental & property management, education, wallet load & government services spends will not be a part of 10X reward program and threshold. However, such transactions will earn 3X reward points
1X Reward point = ₹ 0.25
You will earn gift voucher worth ₹500 as a welcome offer with your IDFC FIRST Bank Credit Card, on a minimum spend of ₹5000 within the first 30 days of card issuance.
You do not need a minimum number of reward points to start redeeming your rewards.
Currently, there are no charges for reward redemption. Effective 1st October, 2022, Reward redemption through any redemption channel will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is no expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card except for LIC Classic & LIC Select Credit Cards.
Merchant EMI conversions' are transactions converted into Equal Monthly Instalments (EMI) by the merchant at the time of the transaction. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product. 5% cashback (up to Rs 1000) on the transaction value of first EMI done within 30 days of card generation.
Eligiblity of pre-approved credit card offer is based on bank's internal policies. Do not worry, we will reach out to you as soon as we have an offer for you.
Have questions? Here are the answers!
The FIRST Power Credit Card comes with a Joining Fee of ₹199 + GST and an Annual Fee of ₹199 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
Joining Fee payment is required for activation and dispatch of credit card. Please note - Your Credit Card will be closed if the joining fee is not paid by the statement due date/within 30 days of card set-up, whichever is earlier.
- You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
- You can also pay the Joining Fee of ₹199 + GST by clicking here
- On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your FIRST Power Credit Card application is approved, Joining Fee payment of ₹199 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here
* As per the process, Joining Fee payment is required to activate your digital card and dispatch of the physical credit card.
* On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here
* Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App.
On payment of joining fee, the physical credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records or click here. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
The annual fee will be charged on completion of 1 year from the date of card set-up. This fee will be charged every year. In case of achieving the spends threshold of INR 50,000 in an anniversary year, the annual fee will be reversed automatically within 15 days of annual fee levy.
Savings / value back is applicable on HPCL Fuel, IDFC FASTag recharges, Utility and Grocery expenses. The savings / value back is given in the form of Reward Points as per the reward rate defined for the particular card.
The Interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date. IDFC FIRST Bank offers low and dynamic interest rates as mentioned in the MITC document.
Savings on Fuel, LPG filling, FASTag recharges, Utility and Grocery expenses will be credited in the form of rewards. Rewards earn is also applicable on other retails transactions except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions.
For every ₹150 spent, you will receive
- 21X reward points on HPCL Fuel spends (capped at 700 reward points per statement cycle).
- 15X reward points on IDFC FASTag recharges (capped at 200 reward points per statement cycle).
- 15X reward points on utilities and grocery expenses (capped at 400 reward points per statement cycle)
- 50X bonus reward points on Hotel bookings (capped at 8,000 reward points per calendar month)
- 30X bonus reward points on Flight bookings (capped at 8,000 reward points per calendar month)
- 2X reward points on other spends (excludes – Insurance, Non HPCL fuel spends, EMI transactions and ATM Cash withdrawals)
- 2X reward points on UPI spends (excludes – fuel spends, grocery & utility expenses, FASTag recharge, Insurance, EMI transactions, and ATM Cash withdrawals)
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card
Have questions? Here are the answers!
The FIRST Power+ Credit Card comes with a Joining Fee of ₹499 + GST and an Annual Fee of ₹499 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
Joining Fee payment is required for activation and dispatch of credit card. Please note - Your Credit Card will be closed if the joining fee is not paid by the statement due date/within 30 days of card set-up, whichever is earlier.
- You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
- You can also pay the Joining Fee of ₹499 + GST by clicking here.
- On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your FIRST Power+ Credit Card application is approved, Joining Fee payment of ₹499 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here.
* As per the process, Joining Fee payment is required to activate your digital card and dispatch of the physical credit card.
* On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here.
* Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here.
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App.
On payment of joining fee, the physical credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records or click here. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
The annual fee will be charged on completion of 1 year from the date of card set-up. This fee will be charged every year. In case of achieving the spends threshold of INR 150,000 in an anniversary year, the annual fee will be reversed automatically within 15 days of annual fee levy.
Savings / value back is applicable on HPCL Fuel, IDFC FASTag recharges, Utility and Grocery expenses. The savings / value back is given in the form of Reward Points as per the reward rate defined for the particular card.
The Interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date. IDFC FIRST Bank offers low and dynamic interest rates as mentioned in the MITC document.
Savings on Fuel, LPG filling, FASTag recharges, Utility and Grocery expenses will be credited in the form of rewards. Rewards earn is also applicable on other retails transactions except ATM Cash Withdrawals, Insurance premium payments and any EMI transactions.
For every ₹150 spent, you will receive
- 30X reward points on HPCL Fuel spends (capped at 2400 reward points per statement cycle).
- 30X reward points on IDFC FASTag recharges (capped at 200 reward points per statement cycle).
- 30X reward points on utilities & grocery expenses (capped at 400 reward points per statement cycle)
- 50X bonus reward points on Hotel bookings (capped at 8,000 reward points per calendar month)
- 30X bonus reward points on Flight bookings (capped at 8,000 reward points per calendar month)
- 3X reward points on other spends (excludes – Insurance, Non HPCL fuel spends, EMI transactions and ATM Cash withdrawals)
- 3X reward points on UPI spends (excludes – fuel spends, grocery & utility expenses, FASTag recharge, Insurance, EMI transactions, and ATM Cash withdrawals)
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card.
Have questions? Here are the answers!
There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Credit Cards.
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly
The Interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date. IDFC FIRST Bank offers low and dynamic interest rates as mentioned in the MITC document.
LIC Gulmohar and Palaash Credit card by IDFC FIRST Bank have an long lasting validity of 3 years on rewards accrued.
IDFC FIRST Bank Bank Credit Cards are loaded with a host of benefits, offers & features. Some of them are listed below and will be applicable as per card variant available with you: Reward benefits – Upto 10x rewards on LIC insurance payments and upto 5x rewards on other spends. Travel benefits – Complimentary airport lounge access. Other benefits – various in-app online discounts, discounts on health and wellness outlets, etc.
Net Banking Pre-login Click on the “Generate Credit Card PIN” on the pre-login page [https://my.idfcfirstbank.com/login] Enter “Customer ID” & “Credit Card number” and click on Get OTP Verify using the OTP sent on your registered mobile number Enter and Re-enter PIN of your choice and click on confirm Your Credit Card PIN is set Login Login to your Net Banking account Select Credit Card section Select Set new PIN Enter and Re-enter PIN of your choice and click on Get OTP Please verify through the OTP sent to your registered mobile number Your Credit Card PIN is set Mobile Banking App Pre-login Select browse icon from the right side top menu on login page Enter “Customer ID” & “Credit Card number” and click on Get OTP Please verify through the OTP sent to your registered mobile number Enter and Re-enter PIN of your choice and click on confirm Your Credit Card PIN is set Login: Login to Mobile Banking App Access Credit Card section Select Set new PIN Enter and Re-enter PIN of your choice and click on Get OTP Your Credit Card PIN is set Customer Care: Dial our Customer Care and follow the instructions to generate the PIN
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
Have questions? Here are the answers!
Yes Business Card has Joining Fees of ₹499 & annual fee of ₹999.
Annual Fee is charged on completion of 1 year from the date of card generation. This fee is charged every year.
As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly. In-case you wish to get a higher limit you may choose to submit additional documents during the application journey.
The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your total amount due and carry over the balances, beyond your payment due date.
IDFC FIRST Bank offers an interest rate of 1.5% - 3% per month. Typically banks charge 3% per month
Merchant EMI conversions are transactions converted into Equal Monthly Instalments (EMI) by the merchant at the time of the transaction. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product.
Have questions? Here are the answers!
Yes. The card comes with a joining fee (1st year) of Rs. 4,999 + GST and an annual fee (2nd year onwards) of Rs. 4,999 + GST.
Joining fee payment benefits: 1 complimentary premium economy class ticket and 1 Upgrade voucher
Annually recurring fee payment benefits: 1 complimentary premium economy class ticket and 1 Upgrade voucher
The Joining benefit of 1 complimentary premium economy class ticket and 1 Upgrade voucher will be given after joining fee payment.
Joining Fee will of ₹4,999+GST will be levied in your 1st statement after card Generation.
No, the complimentary Premium economy ticket and upgrade voucher cannot be combined. But you can use the upgrade voucher on another independent Vistara flight ticket.
You can get 6 premium economy class tickets in year and with the additional upgrade voucher, you can upgrade your existing ticket to a higher class (basis availability)
Yes. You will earn;
- 6 CV points on spends upto Rs. 1,00,000 in a month and 4 CV points for all spends above Rs. 1,00,000
- 1 CV point on every transaction done on Fuel, Insurance, Wallet Load and Rent.
- CV points will not be given on spends converted to EMI.
You may check the latest Club Vistara policy on tenure of validity of CV points.
You will receive 2000 CV points if you spend over and above Rs. 30,000 in 1st month post card generation.
Consequently, if in 2nd month and 3rd month, if you spend over and above Rs. 30,000 (in each month), you will receive 2000 CV points in each month.
The activation bonus CV points will only be accorded in the first 3 months of the first year of card generation.
Yes. Bonus CV points given on activation will be over and above CV points given for every spend.
CV points are given per ₹200. So the minimum spend for earning CV point is ₹200.
2.99%
Yes;
2 Domestic Airport Lounge and Spa per quarter
1 International Airport Lounge per quarter
Lounges are activated on the card on a monthly spends of Rs. 5000.
You can activate your Lounge / Spa 1 benefit by spending minimum Rs.5000 in any calendar month to activate the benefit for next month.
Eg. Meet spend criteria between 1st to 31st March. Benefit activated for April. You may utilize this benefit between 5th to 5th of the every month.
You can check your lounge activation status on www.dreamfolks.in .
To know more about the process to check the status, please visit our website > Credit cards > First Wealth Product Page > benefits & Privileges > Privileges
Yes. As the Mastercard Network benefits, you can avail golf offer as per below
> 4 complimentary rounds of green fees per calendar year (only 1 round in a calendar month)
> 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
> Discounted golf services at 50% of the green fee beyond complimentary sessions
Have questions? Here are the answers!
The FIRST SWYP Credit Card comes with a Joining Fee of ₹499 + GST and an Annual Fee (applicable from the second card anniversary year) of ₹499 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
You can also pay the Joining Fee of ₹499 + GST by clicking here
On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your FIRST SWYP Credit Card application is approved, upfront Joining Fee payment of ₹499 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here
* As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the physical credit card.
* On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here.
* Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here.
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App.
On payment of joining fee, the physical credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records or click here. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
The FIRST SWYP Credit card comes with a nominal annual fee of ₹499/- + GST per year, giving you access to marquee merchant offers across your favorite categories as well as additional merchant offers all year round.
The annual fee will be charged each year. However, by spending just ₹5,000 within 45 days of the annual fee being levied, you can earn 2,000 reward points worth ₹500.
The FIRST SWYP Card works as a charge card. All charges are due immediately upon receipt of monthly statement, payable by due date given on the statement. You can either pay the due in full or convert eligible balances into EMIs.
In case of non receipt of dues by Payment due date, a late payment charge will be applicable as defined in the Fees & Charges section of the Most Important Terms & Conditions (MITC). There are no overdue interest charges apart from the late payment fees.
Cardholders for FIRST SWYP Credit card get access to instant discounts upto 20% at Preferred merchants. These offers are applicable across the year. To check the current set of preferred merchants and offer constructs, please checkout the privilege document on the FIRST SWYP webpage. These offers are unique to FIRST SWYP Credit Card
Customers also gets access to all other merchant offers on spends applicable on IDFC FIRST Bank Credit Cards apart from dining offers at 300+ outlets
The FIRST SWYP Reward points program works basis monthly milestone spends. Customer gets rewards as per the following milestone spends done in a month.
Eligible spends upto ₹5000 : 200 RPs
Eligible spends upto ₹10000 : 500 RPs total
Eligible spends upto ₹15000 : 1000 RPs total
Eligible spends upto ₹30000 : 2000 RPs total
Eligible spends upto ₹60000 : 4000 RPs total
Spends done on Fuel, Cash Withdrawal, Rent, Utility are not counted towards calculating eligible spends per month. Milestone rewards will be credited on statement date
There is no minimum Reward Points required for redemption.
Reward redemption through any redemption channel will attract a convenience charge of ₹99 (+ applicable taxes) per redemption transaction.
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card.
EMIfy is a convenient facility for repayment in easy and flexible monthly EMIs. EMIfy is available for converting any existing transaction or entire credit card balance due into EMI. The cardholders can also transfer the balances due on other bank credit cards to this card and convert this transferred balance to EMI. The credit cardholders will get the option to convert any transaction or balance due into EMI can be availed in your IDFC FIRST Mobile banking App or website under logged in section.
For FIRST SWYP, when you convert your transactions or balances into EMI, You’ll be charged a monthly flat fee for the conversion. This flat fee will be shown to you at the time of EMI conversion. There will be no other interest charges or fees for the conversion. Foreclosure fee and late payment charges in case of non-payment of EMIs will apply as per the MITC
Have questions? Here are the answers!
The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
You can also pay the Joining Fee of ₹5,999 + GST by clicking here https://www.idfcfirstbank.com/credit-card/mayura-card-payment
On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your Mayura Credit Card application is approved, upfront Joining Fee payment of ₹5,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here https://www.idfcfirstbank.com/credit-card/mayura-card-payment
As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.
On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here https://www.idfcfirstbank.com/credit-card/mayura-card-payment
Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here https://my.idfcfirstbank.com/ManageCreditCardLimit
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App https://my.idfcfirstbank.com/ManageCreditCardLimit
On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010800 to get the card dispatched to the updated address.
Have questions? Here are the answers!
The Ashva Credit Card comes with a Joining Fee of ₹2,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹2,999 + GST. The Joining Fee will be levied on credit card application approval.
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this premium metal card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
You can also pay the Joining Fee of ₹2,999 + GST by clicking here https://www.idfcfirstbank.com/credit-card/ashva-card-payment
On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking.
Once your Ashva Credit Card application is approved, upfront Joining Fee payment of ₹2,999 + GST is required to get the credit card dispatched. To pay the Joining Fee, click here https://www.idfcfirstbank.com/credit-card/ashva-card-payment
As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the metal card.
On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here https://www.idfcfirstbank.com/credit-card/ashva-card-payment
Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here https://my.idfcfirstbank.com/ManageCreditCardLimit
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App https://my.idfcfirstbank.com/ManageCreditCardLimit
On payment of joining fee, the metal credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records. Once, the address is updated, please call 180010800 to get the card dispatched to the updated address.
Have questions? Here are the answers!
Yes, there is a Joining fee on the IndiGo IDFC FIRST Dual Credit Card. The card comes with a joining fee (1st year) of ₹ 4,999 + GST and an annual fee (2nd year onwards) of ₹ 4,999 + GST.
However, you can enjoy the benefits of IndiGo IDFC FIRST Dual Credit Card at ₹0 Joining fee by opting for FD backed variant of IndiGo IDFC FIRST Dual Credit Card with minimum FD requirement of ₹1,00,000.
Please Note: Both the variants come with an Annual fee (2nd year onwards) of ₹ 4,999 +GST.
The Joining fee-based variant of IndiGo IDFC FIRST Dual Credit Card is offered on credit check eligibility basis.
Paying the Joining Fee for the IndiGo IDFC FIRST Dual Credit Card comes with several benefits. These include:
Joining fee payment benefits:
• Voucher of 5000 IndiGo BluChips
• A complimentary IndiGo meal voucher
Please Note: Welcome benefits are only applicable upon joining fee payment i.e. not available for FD backed variant of IndiGo IDFC FIRST Dual Credit Card
• 3 months complimentary EazyDiner prime membership worth Rs. 1095
• Postcard hotels stay voucher worth Rs. 3,000
One-time exclusive benefits are applicable to joining fee variant and FD variant of the IndiGo IDFC FIRST Dual Credit Card
The IndiGo IDFC FIRST Credit Card stands out as a unique airline co-brand travel proposition, where customers can either apply traditionally or pledge a fixed deposit of ₹1 lakh to get started.
What makes this card truly unique is its dual card advantage: it combines the global acceptance of Mastercard with a low forex markup of just 1.49%, alongside the convenience of RuPay for seamless UPI transactions.
The unified rewards program allows customers to earn accelerated 6E Rewards (IndiGo BluChips) across all spends, which can be redeemed for flights.
Additionally, customers can boost their rewards further through early activation bonuses and annual milestone benefits, making it a powerful, travel-friendly card tailored to a range of spending styles.
This card is for everyone who wants to fly more, earn more and pay flexibly. Whether you are new to credit cards or an experienced user — you can choose the path that works for you:
FD-based application if you prefer no credit check Credit eligibility-based application if you are a regular credit card user Both paths lead to the same rewarding experience.
Join the loyalty program IndiGo BluChip and unlock exclusive rewards and benefits for frequent flyers Earn points and enroll now to start reaping the rewards on IndiGo website and app.
Please note: your benefits on IndiGo IDFC FIRST Dual Credit Card pair will be in the form of IndiGo BluChips and Vouchers of IndiGo BluChips basis of respective benefits.
The Fee based variant comes with a joining fee of ₹4,999 +GST where as the FD backed variant comes with ₹0 Joining fee and requires FD to be pledged with minimum amount of ₹1,00,000. Both offers same annual fee and benefits, except that FD backed variant does not have joining fee benefits.
There are two ways in which you can own IndiGo IDFC FIRST Dual Credit Card
1) Joining fee based variant: Pay the joining fee of ₹4,999 +GST and own the dual credit cards
2) Fd backed variant: Pledge an FD of ₹1,00,000 and own the product at ₹0 Joining fee.
Please Note: Welcome benefits are only applicable upon joining fee payment i.e. not available for FD backed variant of IndiGo IDFC FIRST Credit Card
From Year 2 onwards, both FD and credit-based customers will follow the same annual fee structure and enjoy the same card benefits.
Your IndiGo IDFC Dual Credit card comes with a dual card proposition to provide you with unmatched flexibility and freedom.
RuPay card gives you the ease of UPI whereas Mastercard provides you with global acceptance. Additionally enjoy Network offers of RuPay and Mastercard both!
Please Note:
a) The credit limit shall be combined across both the cards
b) Payment of joining fee/ FD creation will be considered as intent to keep both the cards active
c) Combined statement will be generated combining transactions done on both the cards
IDFC FIRST Bank believes in complete transparency, and we want our customers to make an informed decision about their Joining Fee and its associated benefits. By asking for payment upfront, we are aligning with our core values of openness and trust, ensuring you have full cognizance about the applicable fee, before committing to this IndiGo IDFC FIRST Dual Credit card. This process allows you to make a conscious choice in a responsible and transparent manner. By choosing this process we also aim to minimize wastage due to cancelled and returned cards.
Once your application for IndiGo IDFC FIRST Dual Credit Card is approved, upfront joining fee payment of ₹4,999 +GST is required get the dual credit card dispatched. Click here to pay: https://www.idfcfirstbank.com/credit-card/card-payment?cardType=MINU
•You will receive communication from the bank to pay the joining fee as soon as your credit card application is approved.
•You can also pay the Joining Fee of ₹4,999 + GST by clicking here: https://www.idfcfirstbank.com/credit-card/card-payment?cardType=MINU
•On the next page you must authenticate using the mobile number and date of birth as mentioned during the card application. The payment can be made using UPI and net banking
On payment of joining fee, the physical credit card will be dispatched to your mailing address registered with the bank and should arrive in 5 working days. If your address has changed, please visit a nearby branch and get your address updated in the bank records or click here. Once, the address is updated, please call 180010888 to get the card dispatched to the updated address.
Once the Joining Fee payment is completed, the credit card can be used for online transactions. To enable online transactions and to get the card details, please use the IDFC FIRST Mobile Banking App.
As per the process, upfront Joining Fee payment is required to activate your digital card and dispatch of the dual credit card.
•On card application approval, you will receive communication to pay the Joining Fee. To pay the Joining Fee now, click here: https://www.idfcfirstbank.com/credit-card/card-payment?cardType=MINU
•Once the Joining Fee is paid, please make sure that you have enabled online (Ecom) transactions on the card. To enable online transactions, please click here. https://my.idfcfirstbank.com/manageCreditcard
Customer will earn IndiGo BluChips on every transaction using the IndiGo IDFC FIRST Credit Card. Here's how the IndiGo BluChips are calculated:
- 6 IndiGo BluChips on every ₹ 100 spent on flights booked on IndiGo website and mobile app
- 3 IndiGo BluChips on every ₹ 100 spent on other categories
- 0.5 BluChips on every Rs 100 spent on UPI on Credit Card spends
- 0.5 IndiGo BluChips on Insurance, Rent, Utility, Wallet spends as defined by Network Merchant category codes (MCCs)
The above structure is applicable across both your IndiGo IDFC Credit Card pair
Additionally, earn additional up to 16 IndiGo BluChips as per the tier benefits of IndiGo Loyalty Program Membership
Please Note: No BluChips will be rewarded on cash transactions and transactions converted to EMI
Apart from the BluChips earned on the IndiGo IDFC FIRST Dual Credit card spends, customers stand to earn up to 16 additional BluChips basis their IndiGo BluChip Loyalty Program Tier
8 IndiGo BluChips/ ₹100 spent as an IndiGo BluChip member
4 IndiGo BluChips/ ₹100 spent as Channel Bonus
Up to 4 IndiGo BluChips/ ₹100 spent as Tier bonus (4 for Blu 1, 2 for Blu 2)
As an IndiGo IDFC FIRST Dual Credit Card holder, you stand a chance to get bonus vouchers of 25,000 IndiGo BluChips every year.
Cardmembers will receive a Bonus voucher of 5000 IndiGo BluChips on every spend milestone. Spend Milestones being INR 2 Lakh spends, 5 Lakh spends, 8 Lakh spends, 10 Lakh spends and 12 Lakh spends.
Applicable for spends across both cards
These vouchers would be credited in your IndiGo BluChip account 5 days after the statement generation date of the month in which respective milestone was achieved.
The Spend Milestone reward program renews every year.
IDFC FIRST Bank Credit Cards offer among the lowest interest rate in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.
Renew the card every year by paying the Annual fee of ₹4,999+GST and unlock the following Annual Benefits
•Voucher of 5000 IndiGo BluChips
•A complimentary IndiGo meal voucher
More reasons
to love our
credit card
FIRM'S NAME
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6x rewards on online transactions -
25% off on tickets once a month upto ₹100 -
Dining offers upto 20% across 1500 restaurants -
₹500 vouchers from Amazon/Ola/ Swiggy on spending 15K in first 3 months -
Earn cashback on EMI: 5% cashback up to ₹500 within 90 days -
Get yourself covered: Personal Accident cover of 2 Lakhs -
More offers: 50+ in-app discounts
1X = 1 Reward point per Rs.100 spent | 1 Reward point = Rs. 0.25