Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
The only FASTag with triple benefits
Only a card such as this can unlock the exclusivity you deserve. Evergreen rewards, lowest interest rates, exclusive lifestyle & travel benefits mean that there’s no reason to reach for another credit card
Unlimited Reward points that never expire
Use Reward points to instantly pay for online or in-store purchases
No fees for redeeming Reward points
1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Welcome voucher worth ₹ 500 on spending ₹ 15,000 or more within 90 days of card issuance
5% cashback on the transaction value for your first EMI transaction within the first 90 days of card issuance (no upper cap on cashback amount)
'Buy one, get one' offer on movie tickets up to ₹ 500(valid twice per month)
50+ in-App discount offers | Up to 20% discount at 1500+ restaurants |
Up to 15% discount at 3000+ Health & Wellness outlets
4 complimentary Domestic & International airport lounge, spa visits per quarter
2 complimentary Golf rounds per month
Complimentary Roadside Assistance worth ₹ 1,399
Fuel surcharge waiver of 1%, at all fuel stations across India,up to ₹ 400/month
Air Accident Cover of ₹ 1 cr*
Personal Accident Cover of ₹ 10,00,000* and Lost Card Liability Cover of ₹50,000
Comprehensive Travel Insurance Cover of ₹ 22,500#
*valid on doing atleast one transaction on FIRST Wealth Credit Card in last 30 days
#Loss of Checked-in Baggage- ₹ 7,500; Delay of Checked-In Baggage ₹ 5,000;
Loss of Passport and other documents - ₹ 5,000; Delay in Flight - ₹ 5,000
Convert all transactions above ₹ 3,000 into easy & convenient EMIs on your mobile app
Instant EMI conversion for all online transactions* above ₹ 3,000 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
No annual fee. Lifetime Free Credit Card
No over-limit fee
Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹ 250 per transaction)
No reward-redemption fee
Low Interest Rates (APR), from 0.75% to 3.0% per month (9% to 36% per annum)
Forex Markup at 1.5% for all international transactions
Late Payment Fee: 15% of total amount due
(subject to Min ₹100 and Max up to ₹1,000)
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the IDFC FIRST Bank Credit Cards. Your card is free for life.
· Applicant must be aged 21 yrs. or above in order to apply for an IDFC FIRST Bank Credit Card
Indian Resident & Sourcing Locations:
· Applicant must qualify as an Indian resident and have a current and permanent residential address within India
· IDFC FIRST Banks maintains a set of cities which are allowed for sourcing
Credit Bureau History
· Applicant is expected to have a good credit bureau score and no evidence / history of defaulting on loans or missing payments on loans or credit cards
· Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time
· As applicable for different card variants offered by IDFC FIRST Bank
· Minimum Net Monthly Income = ₹25,000 (subject to change)
Internal Policy Criteria
· Bank runs certain internal policy criteria to select a customer for issuing credit cards
· Internal Policy criteria are based on bureau history, any existing Bank relationship, customer demographics, and credit exposure
· The Bank reserves the right to issue a Credit Card to the applicant basis an assessment of his / her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above criteria
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.
There is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. Your reward points are evergreen.
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 36% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.
Mobile Banking App
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.
IDFC FIRST Bank customer toll-free is 18605001111.