BENEFITS & PRIVILEGES
Now, your Credit Card reward points* are
Never Expiring | Unlimited | Easy to redeem
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10X Reward Points on all Spends above ₹20,000
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6X Reward Points on Online Spends
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3X Reward Points on all Offline Spends
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Your reward points are not capped and they don’t expire, ever !
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10X Rewards on all spends done on your Birthday
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1X = 1 Reward Point per ₹100 spent | 1 Reward Point = ₹0.25
*Reward Points earning and 10X threshold not applicable for Fuel, EMI, Insurance transactions and Cash Withdrawals
BENEFITS & PRIVILEGES
Super Saver Benefits
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Interest free cash withdrawal from ATMs for upto 48 days
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Low Interest Rate (% APR), starting at 0.75% p.m. (9% annually)
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NIL Overlimit fees, NIL Addon charges
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NIL Reward redemption fees
BENEFITS & PRIVILEGES
Joining Benefits
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Welcome Gift Vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up
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Get 5% cashback on first EMI transaction performed within 90 days of card set-up.
To know more details, Click Here
BENEFITS & PRIVILEGES
Privileges
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25% discount on movie tickets up to ₹100, once a month
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Enjoy 4 complimentary Railway lounge visits every quarter
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Fuel surcharge waiver at all fuel stations across India up to ₹200 every month
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Personal Accident Cover worth ₹2 Lakh* & complimentary lost card liability cover of ₹25,000
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50+ In-App discount offers
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Free Road Side Assistance(RSA) worth ₹1,399
*On doing at least 1 transaction in the previous month
This Credit Card is given free to you for Life!
Fees & Charges
- Lifetime Free Credit Card
- Over limit Fee - NIL
- Credit Card Interest Rate – From 0.75% to 2.99% per month
- FX Markup – 3.5%
- Late Payment Fee – 15% of Total Amount Due (subject to Min ₹100 and Max up to ₹1,000)
- International & Domestic Cash Advance Fee – ₹250
- Reward Redemption Fees – NIL
Frequently asked questions
Is there a Joining/Membership/Annual fee on IDFC FIRST Bank Credit Cards?
There is No Joining/Membership/Annual fee applicable on any of the IDFC FIRST Bank Credit Cards
What are the current offers available on IDFC FIRST Bank credit cards?
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:
Lifestyle benefits – Discounts on shopping, dining & movies, complimentary round of golf every month, etc.
Travel benefits – Complimentary airport lounge access.
Other benefits – various in-app online discounts, discounts on health and wellness outlets, etc.
Is there an expiry date on the reward points accrued on my card?
There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card
How do I generate my credit card PIN?
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
Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?
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.
