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.
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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Upto 20% discount on 1500+ restaurants across India & 15% discount on 3000+ Health & Wellness Outlets
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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
*On doing atleast 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
- Reward Redemption Fees – NIL
- 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
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
