IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 9% to 42% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.

Effective 20th February 2025, APR range will be revised to 8.5% - 46.2% per annum

Yes, you can! All ATM cash withdrawals are completely interest-free for up to 48 days – in India or abroad. Please keep in mind, however, that a Cash Advance Fee of ₹199 + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

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.

- Welcome Voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation.

- 5% cashback (up ₹1000) on the transaction value of first EMI done within 30 days of card generation.

o   Welcome benefits of up to ₹1,500

o   Ease of seamless online transactions with over 300+ merchant offers, up to 20% dining discounts and more

o   4 complimentary Railway lounge visits per quarter

o   Complimentary Roadside Assistance worth ₹1,399

o   Never-expiring reward points

o   25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app once per month

For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers

The FIRST Classic Credit Card offers a 25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app. The offer is valid once a month.

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. You will earn:

- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday

- 3X reward points on spends up to ₹20,000 in a statement cycle

- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions

- 1 reward point on utilities and insurance transactions

The reward points you earn stay with you forever, as long as the card is active.

Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.

1X equals 1 reward point for every ₹150 spent in a transaction. The value of 1 reward point is ₹0.25. 

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges.

Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.

You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at www.idfcfirstrewards.poshvine.com

There will be a redemption fee of ₹99 + GST on every reward redemption transaction

There is no expiry date on the Reward Points accrued on your IDFC FIRST Classic Credit Card. You can use your Reward Points whenever you want, as long as your card is active.

The reward points will get credited upon statement generation.

Our new design is inspired by our customers, their journey, milestones, and memories. This new design is applicable only to new cards issued from December 24, 2024 onwards. The applicable privileges and benefits remain unchanged.

Please note: All existing FIRST Classic Credit Cards will continue to be valid for use.