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Credit Card Balance Transfer
Balance Transfer (BT) facility on IDFC FIRST Bank Credit Card enables the customers to transfer their outstanding credit balances from any other bank credit card to their IDFC FIRST Bank Credit Card. BT on EMI is an additional facility offered by IDFC FIRST Bank Credit Card to its cardholders where customers may choose to transfer the balance and convert it to easy, affordable EMIs Every Credit Card company has its own eligibility criteria as per internal policies for customers who wish to avail card to card balance transfer. Read More
Features
Go ahead and fulfill all your dreams with IDFC FIRST Bank Personal Loans!
Low Interest Rates
Customer can avail low interest rates with IDFC FIRST Bank Credit Card by transferring outstanding balances from other bank Credit Cards with higher interest rates.
Easier to pay off debt
Availing Credit Card Balance Transfer will allow the customer a longer timeline to pay off their credit card dues at lower interest rates.
Single Click Application
Customers can easily avail card to card transfer online in one click using our mobile application which is user friendly and seamless.
Consolidation on Balances on Single Card
Managing balances will become convenient for customers as they can do so by consolidating on a single credit card.
Minimal Processing Fee
Customers will be charged a minimal processing fee of 1% (min Rs.99) plus GST
Flexible Tenures
Credit Card Balance Transfer is offered to customers at flexible tenures of 3-, 6-, 9- and 12 months
How to apply for a Credit Card Balance Transfer
You can transfer your credit card balance to IDFC FIRST Bank credit card in the following way:
Step 1: Enter your other bank’s credit card number
Step 2: Enter the other bank's name
Step 3: Mentioned the balance amount to be transferred to your IDFC FIRST Bank Credit Card
Step 4: Select your preferred option from the attractive EMI Plans
Step 5: The balance will be transferred to your IDFC FIRST Bank Credit Card
ELIGIBILITY
Who Can Apply?
FREQUENTLY ASKED QUESTIONS
How to use Credit Card Balance Transfer on your IDFC FIRST Credit Card?
What are the benefits of Credit Card Balance Transfer on your IDFC FIRST Credit Card?
Here are the benefits of availing credit card to credit card balance transfer:
· Low Interest Rates
· Easier to pay off debt
· Single Click Application
· Consolidation on Balances on Single Card
· Minimal Processing Fee
· Flexible Tenures
· Fund transfer through NEFT/IMPS
What are the details required for processing Credit Card Balance Transfer?
Customers must provide other Bank Card Number, Bank Name and the billed outstanding amount. We will pay off the outstanding amount on their behalf and they can easily repay it in low-cost EMIs.
For which bank cards customers can avail Credit Card Balance Transfer on EMI?
Customers can avail credit card balance transfer for most of the credit cards, issued by different banks in India. Currently, this facility is not available for Amex Credit Cards.
How will the amount be remitted?
The amount will be directly credited to your Credit Card Account. There is no paper remittance, and the transfer process is seamless.
When can I opt for a credit card balance transfer?
If your credit card dues and credit card interest rates are high, you can opt for a Credit Card Balance Transfer to transfer your outstanding dues to another bank that offers you an economical interest rate.
Why should I choose a credit card balance transfer from IDFC FIRST Bank?
IDFC FIRST Bank’s Credit Cards provide attractive cash back offers and rewards. IDFC FIRST Bank also offers low interest rates and doesn’t charge unnecessary fees.
How can I check the status of my credit card balance transfer application?
A Credit Card Balance Transfer usually takes 1-5 working days to be completed. However, you can contact IDFC FIRST Bank Customer Care to know your credit card balance transfer status.