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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Credit Card Interest - interest charged on money borrowed from credit card issuers
Credit Card Interest Rate

Low, dynamic
interest rate Starting at 9% p.a.

IDFC FIRST Bank offers Credit Card with never expiring rewards
Credit Card Reward Points credited- in your account
IDFC FIRST Bank Credit Card

Never-expiring
reward points Up to 10x

Digital Credit Card management from Banking App

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Just answer a few easy questions, and we’ll find the perfect credit card for you!

When do you celebrate your birthday?

You must be 18 or older to get a credit card

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One thing you’d change in your credit card...

Choose one option

Here’s your perfect match!

There’s a card for everyone

Explore our range of credit cards

FIRST Millennia

For young digital natives

Girl Holding FIRST Millennia Credit Card by IDFC FIRST Bank

FIRST SWYP

Get it all, get it now!

FIRST SWYP Credit Card - Group of Trekkers enjoying their trek - IDFC FIRST Bank

FIRST Classic

For growing families

FIRST Classic Credit Card - Family enjoying their picnic - IDFC FIRST Bank

FIRST Power

For those who embrace the road

FIRST Power - HPCL Fuel Credit Card - IDFC FIRST Bank

LIC Cards

Secure tomorrow, Live today

LIC Credit Card - Happy Family Similing - IDFC FIRST Bank

FIRST Select

For those with an evolving lifestyle

FIRST Select Credit Card - Great Wall of India - IDFC FIRST Bank

Club Vistara

For the jetsetters

Club Vistara Credit Card - Travel Credit Card IDFC FIRST Bank

FIRST Wealth

Your perfect luxury enabler

FIRST Wealth Credit Card - Man Playing Golf - IDFC FIRST Bank

FIRST WOW!

Deposit-backed premium card, for everyone

FIRST WOW Credit Card - Office Colleague Clapping - IDFC FIRST Bank

FIRST Private

Metal with a heart of gold

FIRST Private Credit Card - Chandelier light - IDFC FIRST Bank

Offers and deals

  • Travel
  • Shopping
  • EMI
  • Dining

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See what’s freshly launched for you.

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EMIfy to simplify your purchase needs

Here's everything you should know about EMI on your Credit Card

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Convert Purchases into EMIs with IDFC FIRST Bank Credit Card
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Say goodbye to high interest rates, Say hello to Balance Transfer

Here is everything you should know about Balance Transfer on your Credit Card

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Make Credit Card Bill payments conveniently with EMIs - IDFC FIRST Bank
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Explore our unique credit card benefits

Here’s how to get the most out of your credit card.

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Unique Credit Card Benefits offered by IDFC FIRST Bank
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Say bye to cash crunch, say hi to Quick Cash!

Here's everything you should know about Quick Cash on your Credit Card

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Credit Card Eligibility Criteria

Know the factors that impact your credit card application

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Learn about Credit Card Eligibility Criteria
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Enjoy low interest rates

IDFC FIRST Bank Credit Cards offer dynamic interest rates starting at just 9% p.a.

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Credit Card Interest Rates - Enjoy low interest rates on IDFC FIRST Bank Credit Cards
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Card management at your fingertips

Track, view offers, get support and more with our mobile banking app.

Redeem rewards on-the-go

Discover how to make the most of your credit card reward points

Convenient repayment options

Choose from multiple convenient options to pay your credit card bills.

Credit card fees and charges

Know the varied fees and charges applicable on your credit cards.

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Learn about Credit Card Fees and Charges - IDFC FIRST Bank
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Tips to protect your credit card

Learn ways to prevent unauthorised use of your credit card in the digital age.

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Know about the Tips to Protect Credit Card from Banking frauds - IDFC FIRST Bank
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All about Credit Cards

Discover more about IDFC FIRST Bank Credit Cards

Credit Cards on UPI: FAQs - Women holding credit card and cellphone - IDFC FIRST Bank

Credit Cards on UPI: Your questions answered

Discover the advantages of linking your credit card to UPI and how to get started.

Credit cards with CFAR travel insurance - Suitcase with travel insurance tag - IDFC FIRST Bank

Credit cards with CFAR travel insurance: Here's why you need it

Unforeseen circumstances can dampen your travel plans. Don't let it hurt you financially.

Best Credit Cards for Entertainment benefits - IDFC FIRST Bank

Best credit cards for movie buffs

Here's how to catch the latest releases in cinemas at a fraction of the cost with the right credit card.

Explore Bali on Budget with this credit card - IDFC FIRST Bank

Explore Bali on a budget with this credit card

Dreaming of a Bali trip? With the right credit card, you can make your dreams come true without breaking the bank

Can you increase your Credit Score with a Credit Card - IDFC FIRST Bank

Can you increase your credit score with a credit card?

Discover how to improve your CIBIL score and open doors to better financial opportunities.

Testimonials

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I have won reward points on one of their programs. I really like it. Each month there are reward points run by the bank. I recommend IDFC credit card to everyone.

Jayesh Panchal (Vapi Gujarat)

FIRST Millennia Customer

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The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.

Lokesh Kamani (Pune)

FIRST Wealth Customer

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While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.

Jasvantsinh Rathod (Gandhinagar)

FIRST Wealth Customer

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I applied online and the card came seamlessly to me. I really like the reward system and the ease of converting the points to a lot of other vouchers.

Litesh Jethani (Mumbai)

FIRST Wealth Customer

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You can use these Reward Points on any online transaction so I am very happy to use it.

Sachin Kumar (Delhi)

FIRST Select Customer

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As compared to other banks the reward points are the best. Anytime IDFC offers are better than other cards. It’s my high usage card

Sagar Vaniya (Surat)

FIRST Millennia Customer

FAQs

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EMI

Add-on Cards

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I already have an IDFC FIRST Bank Credit Card. Can I apply for another one?

You can apply for our Co-branded Credit Cards if you are already an IDFC FIRST Bank credit card holder.

The credit limit will be shared with your existing IDFC FIRST Bank Credit Card.

Additionally, you can also apply for:

  1. FIRST Digital RuPay Credit Card: To enable UPI transactions on your existing IDFC FIRST Bank Credit Card, you can apply for our instantly issued RuPay Credit Card
  2. FIRST WOW! Credit Card:A secured, fixed deposit-backed card with 0% forex markup fees on international transactions
  3. Stories:A personalised Credit Card with your favourite image on it
  4. Add-on cards:You can also obtain an add-on Credit Card for anyone, including friends and family members, if you are an existing IDFC FIRST Bank Credit Card holder
Can I apply for an add-on card?

Yes, you can apply for an Add-on card for your spouse, sibling, parent, child, friend, or acquaintance. Click here to apply and learn more.

How can I block my Credit Card?

If for any reason you choose to block your Credit Card, you can do so by clicking here

You can also do so using the IDFC FIRST Bank App/Net Banking.

  1. Login to the mobile banking app/Netbanking services
  2. Go to Accounts
  3. Select Cards
  4. On the dashboard, select temporary/permanent block Alternatively you can send as SMS CCBLOCK (last 4 digit of card) to 5676732 or call our customer care number 1800 10 888 for further assistance.
How do I activate my IDFC FIRST Bank Credit Card?

You may activate your IDFC FIRST Bank Credit Card by following the below steps:

  1. Log into your IDFC FIRST Bank Mobile Banking app/Internet banking account
  2. Click on 'Credit Card'
  3. Click on 'Unblock' and then click on 'Confirm'

You may also call on the 24/7 toll-free number mentioned on our website to unblock your Credit Card or request a replacement card in case of a permanently blocked card.

What should I do if my Credit Card is lost, stolen or damaged?

When your Credit Card is lost, stolen or damaged, it is advisable to block it permanently and request a replacement. If your Credit Card is lost or stolen, blocking it will prevent any misuse. Click here to block your Credit Card, and select the Permanent block option.

How do I generate my Credit Card PIN?

You can generate your IDFC FIRST Bank Credit Card PIN via any of the following methods:


Website:

  1. Click on the “Generate Credit Card PIN” after logging in here with your registered mobile number
  2. Enter “Customer ID” & “Credit Card number” and tap on Get OTP
  3. Verify using the OTP sent on your registered mobile number
  4. Enter and Re-enter PIN of your choice and click on confirm
  5. Your Credit Card PIN is set

Net Banking:

  1. Login to your Net Banking account
  2. Selectthe Credit Card section
  3. Select Set a new PIN
  4. Enter and re-enter the PIN of your choice, and tap on Get OTP
  5. Please verify through the OTP sent to your registered mobile number
  6. Your Credit Card PIN is set

IDFC FIRST Bank Mobile Banking App:

  1. Login to the Mobile Banking App
  2. Access the Credit Card section
  3. Select Set new PIN
  4. Enter and Re-enter the PIN of your choice and click on Get OTP
  5. Your Credit Card PIN is set

Customer Care:

Dial our Customer Care 1800 10 888 from your registered mobile number and follow the instructions on the IVR to generate the Card PIN.

Does IDFC FIRST Bank provide contactless Credit Cards?

Yes, all IDFC FIRST Bank Credit Cards support contactless transactions. However, it must be activated manually in the card controls of the mobile app/net banking portal.

How can I enable/disable my IDFC FIRST Bank Credit Card for online/merchant outlet transactions?

The following steps will guide you through enabling transaction preferences on your IDFC FIRST Bank Credit Card:

Login to the mobile banking app/net banking

  1. Click on Credit Card
  2. Navigate to 'Card Controls'
  3. Click on 'Manage' to turn on / off transaction preferences
Can I withdraw cash using my Credit Card?

Certainly! You can withdraw cash from ATMs with IDFC FIRST Bank Credit Cards, interest-free for up to 48 days – both in India and abroad (forex mark-up charges apply as per card type). There is a cash withdrawal limit of ₹10,000 per transaction and a cash advance fee of ₹199 + GST applicable.

Terms & Conditions apply. Refer to the MITC document for more details.

What is my Credit Card limit?

The credit limit is the maximum amount you can spend with the Credit Card. The credit limit is assigned when the Credit Card is issued based on the card type and the individual's credit history.

How can I increase my credit limit?

We believe in providing our customers with the best product offerings, which is why we'll contact you if we have an offer available for you to increase your credit limit. Alternatively, you may send your income documents (last 3 months' bank statements with salary credits or last ITR copy if you are self-employed) to banker@idfcfirstbank.com. It is important to note that credit limit increase requests are subject to internal evaluation and assessment at the Bank's discretion.

How to change the daily transaction limit of my IDFC FIRST Bank Credit Card?

To reduce the credit limit on your IDFC FIRST Bank Credit Card, follow these steps:

1 Mobile Banking app/Net Banking

  1. Click on Credit Card
  2. Navigate to 'Card Controls'
  3. Click on 'Manage' to increase or decrease your daily transaction limit.

2. Website

  1. Click here and enter your registered Mobile Number or Credit Card number and click on 'Get OTP'.
  2. Click on 'Get OTP' You will be directed to the Card Controls page, where you can increase or decrease your daily transaction limit.

How can I convert transactions to EMI?

Big purchases and small EMIs are possible with IDFC FIRST Bank Credit Cards! Enjoy 300+ merchant offers and stop worrying about huge bills. Convert your IDFC FIRST Bank Credit Card transactions above ₹2,500 into easy EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 18 months. Here’s how to convert purchases to EMI:

Online or in-store purchases (at eligible merchants) can be converted to EMI at the time of Credit Card payment confirmation.

Any time before your transaction is due for payment, you can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking.

EMI conversion steps via Mobile App/Net Banking:

  1. Navigate to your 'Credit Card' page
  2. At the bottom of the screen Click on 'Convert to EMI'
  3. Transactions eligible for EMI will appear under this section
  4. Select the option “Convert to EMI” for the transaction you wish to convert
  5. Choose an EMI repayment plan based on your preference
  6. Accept the T&Cs and “Confirm” the conversion of your transaction to EMI

Alternatively, you can contact our customer care to convert transactions into EMI.

If you do not see a certain transaction under the ‘Convert to EMI’ section, it means it is ineligible due to certain rules. These rules include the amount of the transaction or merchant category restrictions.

Which Credit Card transactions are eligible for EMI conversion?

Currently, transactions above ₹2,500 are eligible for EMI conversion.

Steps via Mobile app/ Net Banking:

  1. Click on 'Credit Card'
  2. Click on 'Convert to EMI'
  3. Transactions eligible for EMI will appear under this section.

Note : If the transaction does not appear, it is likely to be ineligible for EMI conversion based on the category or merchant type.

Are there any EMI conversion charges on my IDFC FIRST Bank Credit Card?

There will be a one-time processing fee and interest rate associated with EMI conversion.

What is the eligibility criteria for applying for an instant loan via my IDFC FIRST Bank Credit Card?

It is an offer-based facility, and there are no eligibility requirements for applying for an instant loan with the IDFC FIRST Bank Credit Card.

What are the payment options available for paying IDFC FIRST Bank Credit Card Bills?

IDFC FIRST Bank offers various payment options to pay your Credit Card bills. Click here to pay now. You can also pay your Credit Card bill through the following options:

  1. Auto debit from an IDFC FIRST Bank Savings Account
  2. IDFC FIRST Bank Mobile application
  3. Net Banking
  4. UPI payment
  5. IMPS/NEFT
  6. Cash Deposit
  7. Cheque
  8. Debit Card

To learn more about these options click here.

What is the process for setting up auto debit on my Credit Card?

To enable auto-debit on your Credit Card, follow the steps below:

  1. Click here to login to the mobile application/Internet banking
  2. Go to ‘Accounts’
  3. Select Cards
  4. Navigate to Auto-pay credit bills to utilise the auto-debit facility
Is it possible to change my Credit Card's auto-debit facility from Total Amount Due to Minimum Amount Due?

Cardholders can modify standing instructions by logging into their IDFC FIRST Bank Internet/Mobile Banking account:

  1. Click on ‘Credit Card’
  2. Select ‘Manage Auto Pay’
  3. Set up Total Amount Payment or Minimum Amount Payment
Can I pay a Credit Card bill online via NEFT?

Yes, IDFC FIRST Bank gives its Credit Card holders the option to pay dues through IMPS/NEFT. Use the following details to pay:

Payee Name: Name as on your IDFC FIRST Bank Credit Card
Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number
Bank Name: IDFC FIRST Bank
IFSC Code: IDFB0010225

What are reward points, and how can I earn them?

Payments made with your Credit Cards earn you reward points. Apply for a Credit Card at IDFC FIRST Bank and get rewarded with up to 10X rewards for every purchase you make. Points earned do not expire and can be redeemed against any online purchase and select offline purchases. For more information, please refer to the reward structure on the respective product pages on the website.

How does 10X rewards get calculated?

Rewards points are earned as soon as the merchant settles a purchase. On the statement date, eligible purchases are cumulatively added to determine if the 10x thresholds have been met.

On transactions above the threshold cut-offs, 10X rewards will be calculated as follows:

  1. For eligible offline transactions where 3X reward points are already accrued, additional 7X reward points will be credited
  2. For eligible online transactions where 6X reward points are already accrued, additional 4X reward points will be credited.

Note: Rental, insurance, and utility bill spends; cash withdrawals, EMI conversions, and reverse credits are not included in the 10x threshold calculation.

How can I redeem Credit Card reward points?

You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:

  1. Visit Rewards website
  2. On Net banking/Mobile Banking go to “Reward redemption” section
  3. Select “Pay with Reward points” for online purchases on the OTP page at time of making the transaction
  4. Choose “Pay with Reward points” for in-store purchases at the time of the transaction (at select Pine Lab terminals). Please note that a reward redemption fee of ₹99 + GST will be applicable on redemption
How can I avail of my complimentary lounge/spa benefit?

You can activate your lounge/spa benefit by spending a minimum of ₹5,000 in any calendar month to activate the benefit for next month.

For example, if you meet the spending criteria between 1st and 31st March, the benefit will be activated for April.

Please refer to your Credit Card product webpage to view the list of eligible lounge benefits and privileges.

How can I avail of movie discounts on my IDFC FIRST Bank Credit Card?

To avail of movie discounts, visit the BookMyShow or Paytm mobile app and use the IDFC FIRST Bank Credit Card voucher code when you purchase tickets. Please refer to the privileges section of the respective product pages for more details.

How can I claim my welcome benefits?

Please click here to learn how to claim your welcome benefit voucher of ₹500 on your IDFC FIRST Bank Credit Card.

How can I view my Credit Card statement?

You can track your Credit Card transactions by following the below steps:

Mobile Banking app/Net Banking:

  1. Log in to your Mobile Banking/ Net Banking account
  2. Under the "Credit Cards section, click on your card
  3. On the dashboard, click on “View Statement”
How can I apply for a Credit Card online?

Our application process is paperless and painless. Here’s a step-by-step guide to get you started:

  1. Open the IDFC FIRST Bank website on your internet browser
  2. Click on ‘Apply Now’ under Credit Cards section on the home page
  3. Complete your verification through OTP sent on your mobile number
  4. Fill out the digital form with all your details
  5. Complete your online application by giving your consent to proceed
  6. Get your Credit Card delivered with 4-5 working days and your virtual Credit Card instantly on the IDFC FIRST Mobile Banking App
  7. Alternatively, if you already have an IDFC FIRST Bank Credit Card offer, then you can also log into the IDFC FIRST Bank mobile banking app to apply for the Credit Card.
Who can apply for an IDFC FIRST Credit Card?

You can get your IDFC FIRST Credit Card if you meet the eligibility criteria such as:

  • • You must be at least 21 years old
  • • You must be an Indian citizen
  • • You must have a healthy credit score
  • • Your credit usage ratio must be within an acceptable level
  • • You must have an Annual Income of:*
    1. o ₹3 lacs or more for FIRST Classic & FIRST Millennia
    2. o ₹12 lacs or more for FIRST Select
    3. o ₹36 lacs or more for FIRST Wealth

Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

For the FIRST WOW Credit Card:

You must be an Indian citizen at least 18 years of age.