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IDFC FIRST Bank Deposits
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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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Populer FAQs
How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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We couldn’t find ‘’ in our website
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Open Account NowEnjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply NowGet the assured, FD-backed FIRST Ea₹n Credit Card
Apply NowNo Joining Fee | No Annual Fee
₹500 gift voucher from choice of brands like - Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation*.
*30 days from the day you receive SMS/email confirmation that your card is generated.
Eligibility:
•Spends of ₹5,000 within 30 days of card generation
•Spends is only eligible for Primary Card
Fulfilment:
•After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/ email with a link to reward section of our mobile banking app.
•Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.
Exclusion
•Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
•If any of the transactions are reversed/cancelled/ disputed by the cardholder or merchant, that transaction will be excluded.
Know More
Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
*30 days from the day you receive SMS/email confirmation of card generation.
Eligibility:
•This offer is applicable only on first EMI conversion within first 30 days of card generation.
•A transaction above ₹2,500 and above can be converted into EMI
Fulfilment:
•Eligible customers will receive cashback within 90 days of the offer end date
Exclusion:
•Transactions done on gold and jewellery are not eligible for EMI conversion
•If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
•If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded
Know More
above ₹2,500 on the bank’s OTP page
starting at just 8.5% per annum
from ATMs for up to 45 days *one-time cash withdrawal fee of ₹199 + GST applicable
on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.
on spends till ₹20,000 in a statement cycle
on Insurance premium payments and Utility bill payments
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education, Wallet Load, Utility and Insurance. These transaction will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.
Lifetime-free credit card!
Convert all transactions above ₹2,500 into EMIs
Every deal gets sweeter with the FIRST Classic Credit Card
Joining and Annual Fees
Interest rates /Annual Percentage Rate (APR)
Cash Withdrawals
Across domestic and international ATMs
Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App
Open the IDFC FIRST Mobile Banking App
Tap ‘Travel & Shop’ in the menu
Choose Hotels or Flights and Book
Sweeter benefits await
Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.
Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.
Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.
Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.
Learn all about credit cards
FIRST Classic is an attractive option for first-time credit card users. Find out whether you meet the eligibility criteria.
Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.
Packed with unique credit card features credit cards from IDFC FIRST Bank empower smarter financial management.
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Fee and Card Usage
Redesigned Card
Benefits
Credit Limit
Reward Points
No, there is no joining fee or annual fee on the IDFC FIRST Classic Credit Card. It is a lifetime-free card, ensuring cost-free ownership while enjoying a suite of valuable benefits. Click here to apply now.
The Annual Percentage Rate (APR) is the annualised interest rate that applies to your credit card usage. It generally varies between 12% to 49%, depending on the credit card. However, with IDFC FIRST Bank, the APR ranges from just 8.5% to 46.2% per annum, depending on your credit profile and payment behaviour. These rates are among the most competitive in the industry.
Yes, you may use the card for cash withdrawals at domestic or international ATMs. Note that cash withdrawals at international ATMs come with a cash withdrawal fee as per the conversion rate. Interest-free withdrawals are available for up to 45 days at domestic ATMs, subject to a cash withdrawal fee of ₹199 + GST per transaction.
Net Banking
Pre-login
• Click on Generate Credit Card PIN on the pre-login page [https://my.idfcfirstbank.com/login]
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent on your registered mobile number
• Enter and Re-enter a PIN of your choice and click on confirm
• Your Credit Card PIN is set
Login
• Login to your Net Banking account
• Select Credit Cards
• Select Set new PIN
• Enter and Re-enter a PIN of your choice and click on Get OTP
• Please verify using the OTP sent to your registered mobile number
• Your Credit Card PIN is set
Mobile Banking App
Pre-login
• Select the browse icon from the top menu on the login page
• Enter your Customer ID and Credit Card number and click on Get OTP
• Verify using the OTP sent to your registered mobile number
• Enter and Re-enter a PIN of your choice and click on Confirm
• Your Credit Card PIN is set
Login:
• Login to Mobile Banking App
• Access the Credit Card section
• Select Set new PIN
• Enter and Re-enter a 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.
As a welcome benefit, you will receive a ₹500 gift voucher from top brands like Amazon, BigBasket, Uber, or Lifestyle on spending ₹5,000 within 30 days of card generation. You are also entitled to 5% cashback up to ₹1,000 on your first EMI transaction made within 30 days.
• 300+ merchant offers
• Up to 20% discount at 1,500+ restaurants
• Up to 15% discount at 3,000+ health & wellness outlets
• Flight and hotel booking offers
These offers are updated regularly and are available on the Bank's website and mobile app.
You can avail a 25% discount on movie tickets up to ₹100 per month on bookings made via the District by Zomato mobile app. This offer is valid once per month, helping you enjoy movie nights more affordably.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.
If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards
Yes, with the IDFC FIRST Classic Credit Card, you earn:
• 10X reward points on select milestone categories after spending more than ₹20,000 in a billing cycle
• 3X reward points on rental, government, and education spends
• 1X reward point on all other eligible purchases.
Note: Fuel purchases, EMI transactions, and cash withdrawals are excluded from the reward programme.
After spending more than ₹20,000 in a billing cycle, you become eligible for 10X reward points on qualifying categories. However, the following transactions are excluded:
• Fuel, EMI transactions, and cash withdrawals
• Government services, education, insurance, utility bills, wallet loads, and rental spends.
Note: Select categories like education, rental, and government services may still earn 3X reward points as per specific terms and conditions.
You can redeem your reward points via the IDFC FIRST Bank mobile banking app or website. Points can be exchanged for a wide array of products, vouchers, and gift cards. A convenience fee of ₹99 + GST applies per redemption.
No, the reward points earned on your IDFC FIRST Classic Credit Card do not expire, giving you complete flexibility to accumulate and redeem them at your convenience.
The reward points will get credited upon statement generation.
The IDFC FIRST Classic Credit Card features a sleek and modern design, now also available in a digital RuPay variant that supports UPI linkage for quick and secure mobile transactions. The design reflects a perfect blend of form and function, offering both aesthetic appeal and digital convenience.
A lifetime-free credit card is one that does not charge any joining fee or annual fee for the entire duration of ownership. You are not required to pay any recurring charges to continue using the card. The IDFC FIRST Classic Credit Card is a lifetime-free credit card, offering a wide range of lifestyle and travel benefits without any hidden costs. To know more about lifetime-free credit cards, read “Benefits of having a lifetime-free credit card”.
The IDFC FIRST Classic Credit Card is a feature-rich, lifetime-free credit card tailored for individuals seeking everyday benefits across lifestyle, travel, dining, and digital transactions. It is best suited for salaried or self-employed individuals looking for a rewarding entry-level card with robust privileges such as railway lounge access, fuel surcharge waivers, movie discounts, and never-expiring reward points.
To apply for the IDFC FIRST Classic Credit Card, applicants must have a salary of ₹3 lakhs per annum or more and meet other criteria as specified by the Bank’s internal credit assessment policies. Exact income criteria may vary depending on whether the applicant is salaried or self-employed and are subject to additional credit parameters.
Yes, with the IDFC FIRST Classic Credit Card, you are entitled to a 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000. The benefit is capped at ₹200 per billing cycle and is applicable across all fuel stations in India, ensuring cost-efficiency on your monthly commute.
Yes, you can opt for the digital RuPay variant of the IDFC FIRST Classic Credit Card by paying a joining fee of ₹199 and the same amount as an annual fee from the second year onwards. It can be linked to any UPI app such as PhonePe, Google Pay, or Paytm for seamless UPI transactions. As part of a limited-period offer, you can get 100% cashback up to ₹200 (₹50 each on your first four UPI transactions) and earn up to 3X rewards on all eligible spendings.
Yes, the IDFC FIRST Classic Credit Card is enabled with NFC (Near Field Communication) technology, allowing you to make quick and secure contactless payments at POS terminals. Simply tap your card at supported machines to complete the transaction without entering a PIN for amounts up to ₹5,000. You can also switch the contactless payment feature on or off using the IDFC FIRST Bank mobile app.
Yes, you can enjoy complimentary railway lounge access up to four times per quarter with your IDFC FIRST Classic Credit Card. However, you must spend ₹20,000 within the current calendar month to avail of this benefit in the following month.
The IDFC FIRST Classic Credit Card stands out as a superior choice for first-time users thanks to its combination of zero joining and annual fees, Welcome benefits up to ₹1,500, lifestyle rewards like movie discounts, and never-expiring reward points. With low interest rates and digital convenience, it offers significant value at zero cost. Click here to apply now.
To verify if your card is lifetime-free, review the credit card agreement, check the ‘Fees and Charges’ section on the official IDFC FIRST Bank website. You can also contact customer care or use the IDFC FIRST Bank mobile app. For the IDFC FIRST Classic Credit Card, both the joining fee and annual fee are NIL.
To maximise your reward earnings:
• Use the card frequently for both online and offline purchases - Earn 10X Rewards on spends of ₹20,000 or above in a month. You can use this card to pay your bills, dining, Health & Wellness and maximise your rewards.
• Book flights and hotels via the mobile banking app for bonus rewards
• Use EMI options above ₹2,500 to earn eligible cashback and rewards.