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5 Reasons To Use A Credit Card For Your Transactions


The popularity of credit cards in India has increased in recent times. This has been largely because of the ease of use, customisation, quick approvals and other such benefits associated with them.

Here’s more information about the benefits and steps on how to apply for a credit card.

What are the benefits of using a credit card?

Apart from the opportunity to make high value purchases, credit cards also offer a range of benefits.

EMI facility

For certain purchases, you can convert the amount into EMIs (Equated Monthly Instalments). You can then continue to pay the money owed in parts. This helps in high-value purchases.

Interest-free period

This is the period for which no interest is charged for any purchase made or transaction done using the card. It is also called the credit period or cycle.

Cash withdrawals

You can withdraw cash up to a certain percentage of the credit limit on the card. This facility can be of great help during emergencies.

Automatic payments

If you are afraid of missing out on due dates and being charged a penalty, you can set up automatic payments. This can be achieved by linking your savings account to the card directly and setting a date on which the amount will be debited in advance.

Cashback and rewards

Credit card issuers run attractive offers during festive seasons and other occasions on shopping, movie tickets, food, and travel. You can make a purchase using the credit card and avail these reward points or cashback.

Now that you know the benefits, here is how you can apply for an IDFC FIRST Bank Credit Card.

How to apply for a Credit Card?

Applying for an IDFC FIRST Bank credit card online is easy.

  • Go to the IDFC FIRST Bank homepage (
  • Click on the ‘Cards’ option and select ‘Credit Cards’.
  • Choose the type of credit card you want to go for
  • You will be directed to a page that asks for your personal information. Fill in the required details including your name, mobile number, date of birth & other details, and click on Apply.
  • You will be asked to upload certain documents or visit the bank with the same for KYC. You must be ready with an identity proof and an address proof for verification. Some documents you must have at hand are Aadhaar Card, Passport, and PAN card.

Once the verification is complete, the card will be dispatched to your registered address.

You do not need to have a bank account with IDFC FIRST Bank to avail the card. Also, there is no minimum income required to apply for the credit card. However, ensure that you are well-acquainted with the terms and conditions, the limits, and the payment options for the card.



The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.