There are five credit cards available from IDFC FIRST Bank, divided into rewards and leisure categories. These credit cards from IDFC Bank are designed to meet the unique demands and specifications of the bankโs clientele. IDFC Credit Cards come with a number of alluring features, including as low interest rates, no joining or yearly fees, never-expiring reward points on all online and offline purchases, and more.so,lets find out belo India best IDFC bank credit card list in 2024.
India best IDFC bank credit card list
Best IDFC FIRST Credit Cards 2024| Card Name | Joining & Annual Fee | Type of Card | |
|---|---|---|---|
| IDFC FIRST Classic Credit Card | Nil | Rewards and Discounts | |
| IDFC FIRST Millennia Credit Card | Nil | Rewards and Lifestyle | |
| IDFC FIRST Select Credit Card | Nil | Travel and Rewards | |
| IDFC FIRST Wealth Credit Card | Nil | Lifestyle and Travelย | |
| IDFC FIRST WOW Credit Card | Nil | Rewards and Savings |
Benefits of the India best IDFC bank credit card
The main attributes and advantages of the IDFC credit card are as follows:
- Since these are all IDFC lifetime free credit cards, there are no joining or yearly fees.
- Interest rates that are low, starting at 9% annually.
- 10X reward points are awarded for additional purchases totaling more than Rs. 20,000 per month as well as purchases made on your birthday.
- For purchases made online and offline up to Rs. 20,000 each month, you can earn 6X and 3X reward points, respectively.
- Since earned reward points are never expire, you can use them whenever and wherever you choose.
- cash withdrawals from ATMs without interest for up to 48 days.
- Applying online for an IDFC FIRST Bank credit card is a simple process.
- 5% cashback on the first EMI transaction value, up to โน1000
- completed within 30 days of the cardโs creation.
- โน500 in welcome coupons good for โน15,000 in purchases
- Roadside Assistance (RSA) is available to you anytime, anyplace.
- Once a month, get a 25% discount on movie tickets up to โน100.
IDFC FIRST Credit Card Types
The various IDFC credit card kinds that IDFC FIRST credit card offers are shown below along with its offer:
โ The IDFC FIRST Classic Credit Card
- The IDFC FIRST Classic credit card has no annual or joining fees and is free for life.
- Ideal for: Savings and rewards.
- Savings: The majority of clients save 7,600 rupees a year.
- Advantages to be welcomed: Within 90 days of the cardโs issue, the IDFC Classic credit card offers a coupon worth Rs. 500 for spending up to Rs. 15,000.
- EMI conversion facility: Create an EMI from any transaction that exceeds Rs. 2,500.
- Interest-free withdrawals of cash: Valid for 48 days at both domestic and foreign ATMs.
- Interest rates (APR) range from 0.75 to 3.5% monthly (9% to 42%).
- Points for Evergreen rewards: Get an infinite number of reward points.
โ The Millennium IDFC First Credit Card
The IDFC Millennia credit card has no annual or membership fees for the duration of its validity.
Ideal for: Cashback and rewards programs.
- Conversion to EMI option: Available for purchases over Rs. 2,500.
- Interest rates (APR) range from 0.75 to 3.5% monthly (9% to 42%).
- Greetings gift: Within 90 days of the cardโs issuance, users of this IDFC Bank credit card can redeem a coupon worth Rs. 500 when they spend Rs. 15,000 or more.
- Evergreen reward points: On additional purchases of more than Rs. 20,000 each month as well as on your birthday, this IDFC FIRST Bank credit card offers 10X reward points. For purchases made online and offline up to Rs. 20,000 each month, you can earn 6X and 3X reward points, respectively.
โ The IDFC FIRST Select Credit Card
There is no annual or joining cost. Priority IDFC The Select credit card is free for life.
Appropriate for: Reward points on all online and physical retail purchases.
- Savings: The majority of clients save Rs. 10,400 a year.
- Buy one, get one free movie ticket deal available on the Paytm mobile app.
- Lounge visits: The IDFC Select credit card provides four free domestic airport lounge visits and four free train lounge visits every quarter.
โ The IDFC FIRST Wealth Credit Card
- There is no annual or joining charge because the IDFC Wealth credit card is free for life.
- Ideal for: Rewards and lounge access at airports and train stations.
- Savings: Using the IDFC FIRST Wealth Credit Card, most users save Rs. 18,100 annually.
- 1.5% is the lowest forex markup in class.
- Offer: Buy one get one free movie ticket via the Paytm mobile app.
- Insurance coverage: Using the IDFC FIRST Wealth credit card entitles you to full coverage for air accidents and travel insurance.
- Lounge visits: four free trips to the spa and lounges at domestic and international airports, as well as four free trips to the railway lounges, are provided per quarter.
โ Credit Card IDFC FIRST WOW
- A premium credit card with rewards that is backed by a deposit is available for free for life.
- This pre-approved IDFC credit card is available online.
- There is no need to verify credit score or provide supporting papers to apply.
- Get 6.25% annual interest on your fixed deposit (FD) and get 4X reward points on all of your purchases.
- With the best-in-class 100% cash withdrawal of the value of your FD and continuous interest on the same, this IDFC credit card is available.
- Maximum credit limit of 100% of your FD value, the best in the industry.
- See the globe for free when using Forex Mark-up.
Fees and Charges for IDFC FIRST Credit Cards
The fees and charges linked to IDFC cards are as follows:
- There is no joining charge.
- There is no annual cost.
- Card add-on fee: $0.
- Interest rate (APR): 9% to 42% annually, or 0.75% to 3.5% per month.
- The transaction cost for cash advances is Rs. 250 each.
- 50,000 rupees with the FIRST Private Credit Card or IDFC Metal Credit Card.
- Late fees: 15% of the entire amount owed, with a Rs. 100 minimum and a Rs. 1,250 maximum.
- Over-limit fees: 2.5% of the over-limit sum, with a 500 rupee minimum.
- Interest that is past due: 3.99% monthly (or 47.88% annually).
- 1.5% forex markup is applied to all overseas transactions.
- Return of an auto-debit, check, or payment return: Rs. 250 for each of these items.
- Cost to change a card: Rs. 100.
- Image personalisation fee: Rs. 499.
- EMI charges:1% of the transaction value, minimum Rs. 99.
Eligibility for IDFC FIRST Credit Card
In order to qualify for the IDFC free credit card, applicants must fulfill the requirements listed below:
- In order to be eligible for the IDFC FIRST Credit Card, an applicant must be between the ages of 21 and 65.
- The bank offers various credit card versions, each with a distinct net monthly income. A monthly income of Rs. 25,000 is the minimum required.
- Eligible residents are those who currently dwell in India with a permanent location.
- The cities in which sourcing cards are accepted are listed by the bank.
- The candidate must be credit-worthy and not have a history of loan defaults or late payments on credit cards or loans.
Documentation Needed for the IDFC FIRST Credit Card
Apply for an IDFC credit card by sending the required paperwork with your properly completed and signed application form:
- Identity proof such as a passport, voter ID, Aadhaar card, or ration card
- Identity verification: Passport, Aadhaar Card, or Driverโs License
- Evidence of income: Form 16, Salary Slip, and Income Tax Returns
How to Use the Online IDFC FIRST Credit Card Application
To apply for an IDFC credit card online, visit the bankโs website and follow the instructions listed below:
To apply for an IDFC credit card online and receive a lifetime free card, visit the IDFC FIRST Credit Card page.
After making your choice of credit card, click to access the website.
Select โApply Nowโ from the menu.
Enter the name and birthdate that appear on your Aadhaar card.
Put your mobile number in here.
Select the โGet OTPโ option.
On your phone, enter the OTP that you received.
The bank representative will contact you shortly to discuss moving forward with the application process.
IDFC First Bank Credit Card FAQs
โ Is there a membership, yearly, or joining charge for credit cards issued by IDFC FIRST Bank?
No, IDFC FIRST Bank Credit Cards do not entail any yearly, joining, or membership fees.
โ What credit card deals are available right now from IDFC FIRST Bank?
The following is a list of some of the IDFC FIRST Bank Bank Credit Cardsโ offers:
- Lifestyle advantages include free monthly round of golf, discounts on dining, shopping, and movies, among other things.
- Travel perks: Free quarterly access to airport and train lounges.
- Additional advantages include a range of in-app online discounts and deals at wellness and health-related stores.
โ
Do the reward points obtained with IDFC FIRST cards have an expiration date?
The reward points that have been accumulated on the IDFC FIRST Bank Credit Card do not have an expiration date.
โ How can I get my PIN from my credit card?
You can generate your IDFC card PIN offline by contacting the bankโs customer care hotline, or online through Net Banking or the Mobile Banking App.
โ How can I apply for a credit card called IDFC FIRST?
Apply online using the bankโs website, mobile app, or online lending portal to obtain an IDFC FIRST Bank credit card.
