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Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account NowEnjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply NowGet the assured, FD-backed FIRST Ea₹n Credit Card
Apply NowNo Joining Fee | No Annual Fee
Choose a gift voucher worth ₹500 from brands like Amazon, BigBasket, and Uber, on spending ₹5,000 or more within 30 days of card issuance
Note: Joining benefits are not applicable on upgrade of credit card and add-on cards.
Know More
Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days of card issuance Know More
Enjoy 2 complimentary visits to domestic airport lounges or spas, and 2 complimentary visits to global airport lounges every quarter
• Book a lounge visit online
Book Now
• View the list of lounges
Explore
Disclaimer: Spend ₹20,000 in the current calendar month to avail the benefit in the next month.
Last-minute change of plans? Get reimbursed for up to ₹10,000 on non-refundable portion of hotel and flight cancellations. The total cover can be used for up to two claims during the policy period. The benefit can be shared between the Primary & Add On cardholders.
For more details and to know more about the claim process, Click here
Tee off in style at 20+ golf courses in India with up to 2 complimentary golf rounds/lessons every month.
Unlock a golf round/lesson per month on spending over ₹20,000, in statement cycle.
For a list of golf course and terms & conditions, Click here
Stay protected when you travel or lose your card with air accident, personal accident, and lost card liability insurance cover.
Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10 lakh and Lost Card Liability Cover of ₹50,000. Valid on making at least one transaction with the FIRST Wealth Credit Card in the last 30 days.
all transactions above ₹2,500 using our mobile banking app
starting at just 9% per annum
Effective 20th February 2025, APR range will start from 8.5% per annum.
*Cash withdrawal fee of ₹199 + GST applicable per transaction
on incremental spends above ₹20,000 per month and spends done on your birthday.
on spends till ₹20,000 in a statement cycle
Insurance premium and utility bill payments earn 1X reward points.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Insurance and utility transactions will not be counted towards 10X spends milestone.
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
Reward redemption will attract a small convenience charge of ₹99 (+GST) per redemption.
Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.
Joining and Annual Fees
Forex Markup
on international transactions
Cash Withdrawals
Across domestic and international ATMs
Unlock amazing benefits with the IDFC FIRST Mobile Banking app
Log into the IDFC FIRST Mobile App
Visit Travel and Shop
Click Hotels or Flight booking
Sweeter benefits await
Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.
Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.
Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.
Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.
Learn all about credit cards
Unlock up to 10X reward points, a low forex mark-up fee, and other travel perks with this premium lifetime-free card.
Important steps to take to prevent your credit card from getting declined when you travel abroad.
Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.
All
Fees and Card Usage
Redesigned Card
Benefits
Airport Lounge
International Helpline
CFAR
Golf Benefit
Credit Limit
Reward Points
There are no Joining/ Membership/ Annual fees applicable on the FIRST Wealth Credit Card.
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.
After activating the card, you must spend ₹5,000 or more within 30 days to be eligible for a ₹500 Gift Voucher from one of our partner brands.
The FIRST Wealth Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above.
For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers
The FIRST Wealth Credit Card offers one of the lowest forex markups in the industry at just 1.5%. Spend seamlessly while travelling abroad as well as on international purchases made from India.
No, there is no spend criteria applicable for railway lounge visits.
Yes, the FIRST Wealth Credit Card offers:
- 2 complimentary visits per quarter to lounges and spas at domestic airport terminals in India.
- 2 complimentary visits per quarter to overseas lounge terminals.
The lounge benefit can be availed in the next calendar month on spending ₹20,000 or more in the current calendar month.
You can also book airport lounge by clicking here. - https://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/credit-card/DREAMFOLKS-WEB-ACCESS-SOP.pdf
You can activate your complimentary lounge visits in the next month by spending a minimum of ₹20,000 in the current calendar month.
For e.g., Meet the spend criteria between 1st to 31st Jan 2024 to activate the benefit in Feb 2024.
You can utilize the remaining quota of lounge visits for the quarter by spending in the current month and avail the benefits in the last month of the quarter. There will be no carryover of the quarterly quota.
a. You can check your lounge activation status on www.dreamfolks.in
b. IDFC FIRST Bank will inform customers via email in the first week of every month
a. You will be eligible for CFAR if you have done at least 1 transaction on your IDFC FIRST Wealth Credit Card in the calendar month preceding the start of the policy period. For example, spends in June 2023 will make you eligible for the policy period 1st July 2023 to 30th April 2024.
b. IDFC FIRST Bank will inform all customers at the start of the policy
Once the policy is issued, it is not mandatory to transact every month in the policy period to keep it active.
For availing the CFAR benefit, both bookings and cancellations must be made within the policy period.
CFAR is a complimentary benefit offered to select IDFC FIRST Credit Card holders at no additional cost.
As this is a complimentary benefit available to select customers, coverage will be applicable as per the specified terms and conditions.
Both refundable and non-refundable flight tickets are eligible for claims under CFAR. However, only the non-refundable portion of the ticket will be reimbursed to you.
You can make a CFAR claim only twice in a policy period. No further claims are covered.
Yes, the FIRST Wealth Credit Card offers:
- Up to 2 complimentary golf rounds/lessons per month.
The golf benefit can be availed in the next calendar month on spending ₹20,000 or more in a statement cycle.
You can book a golf slot by clicking here
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 Wealth 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 Wealth Credit Cards will continue to be valid for use.
The FIRST Wealth Credit Card offers a Buy-One-Get-One deal on movie tickets purchased on the District app by Zomato, with a discount of up to ₹250 on the second ticket. The offer is valid twice a month.
In case of any questions regarding your credit card while abroad, please contact us at +91 22 6248 5152