IDFC First Bank Credit Cards: Check Features, Eligibility & Charges

IDFC FIRST Bank Credit Cards

image of IDFC FIRST Bank

🤔 Know everything about IDFC FIRST Bank Credit Card

Is IDFC FIRST Bank Your Reward Partner?

IDFC First Credit Card is a new-age credit card provider that offers 6 categories of credit cards. The most attractive part about IDFC First Credit Cards is that, 5 of the cards are free for a lifetime with multiple benefits and reward options. IDFC FIRST Bank has 30,76,601 active credit cards as of September 2024.

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Features of IDFC FIRST Bank Credit Cards

Lounge Access

Travel Benefit

Fuel Surcharge

Cashback Benefit

Reward Points

Insurance Benefit

Shopping Benefit

Welcome Bonus

Dining Benefit

Top IDFC FIRST Bank Credit Cards

image of IDFC FIRST SWYP

IDFC FIRST SWYP (4.2)

Full Details
Lifestyle
Best For: Lifetsyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

NA
image of HPCL IDFC FIRST Power+

HPCL IDFC FIRST Power+ (4)

Full Details
Co-Branded
Best For: Fuel Expenses
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

42.00%
image of Club Vistara IDFC FIRST Bank

Club Vistara IDFC FIRST Bank (4.8)

Full Details
Co-Branded
Best For: Travel
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

1

Joining Fee

₹4,999

Annual Fee

₹4,999

Annual Percentage Rate

42%
image of IDFC FIRST Bank Classic

IDFC FIRST Bank Classic (4.5)

Full Details
Regular
Best For: Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%
image of IDFC FIRST Bank Millennia

IDFC FIRST Bank Millennia (4.5)

Full Details
Regular
Best For: Rewards
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%
image of IDFC FIRST Bank Wealth

IDFC FIRST Bank Wealth (4.6)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%
image of IDFC FIRST Bank Select

IDFC FIRST Bank Select (4.8)

Full Details
Regular
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%
image of IDFC FIRST Bank Wow

IDFC FIRST Bank Wow (4.7)

Full Details
Premium
Best For: Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%

How To Apply For IDFC FIRST Bank Credit Card Online

To apply for an IDFC FIRST credit card, you can follow these steps:

Step 1: Visit the IDFC FIRST Bank website and go to the credit card section.

Step 2: Browse through the different types of credit cards and choose the one that suits your needs and lifestyle.

Step 3: Click on the "Apply Now" button to start the application process.

Step 4: Fill in the required details in the application form, such as personal information, income details, employment details, and contact information.

Step 5: Once you submit the application, you will receive an acknowledgement from the bank regarding your application.

Step 6: A bank representative may get in touch with you to ask for any further documents or information that may be required to complete the process.

Your credit card should arrive within 7-10 days from when you submit your application form and documents. During this time, it will be subject to final policy and verification checks by the bank.

If you have any questions or concerns about the application process or the status of your application, you can contact IDFC FIRST Bank's customer service team for assistance.

IDFC FIRST Bank Fees and Charges

Analyse a card based on its Joining Fee, Annual Fee and what it's best suited for.

CARD VARIANT

JOINING FEE

ANNUAL FEE

BEST FOR

IDFC FIRST SWYP

₹499

₹499

Lifetsyle

HPCL IDFC FIRST Power+

₹499

₹499

Fuel Expenses

Club Vistara IDFC FIRST Bank

₹4,999

₹4,999

Travel

IDFC FIRST Bank Classic

Free

Free

Rewards

IDFC FIRST Bank Millennia

Free

Free

Rewards

IDFC FIRST Bank Wealth

Free

Free

Lifestyle

IDFC FIRST Bank Select

Free

Free

Lifestyle

IDFC FIRST Bank Wow

Free

Free

Lifestyle

IDFC FIRST Bank Eligibility

CREDIT CARDS

INCOME REQUIRED

EMPLOYMENT TYPE

IDFC FIRST SWYP

â‚ą

Salaried , Self Employed

HPCL IDFC FIRST Power+

â‚ą300000

Salaried , Self Employed

Club Vistara IDFC FIRST Bank

â‚ą300000

Salaried , Self Employed

IDFC FIRST Bank Classic

â‚ą0

Salaried , Self Employed

IDFC FIRST Bank Millennia

â‚ą0

Salaried , Self Employed

IDFC FIRST Bank Wealth

â‚ą0

Salaried , Self Employed

IDFC FIRST Bank Select

â‚ą0

Salaried , Self Employed

IDFC FIRST Bank Wow

â‚ą0

Salaried , Self Employed , Student

IDFC FIRST Bank News
02 May 2024, Thursday
1. IDFC First Bank implements utility transaction fee change

IDFC First Bank has declared that starting May 1, 2024, there will be a modification in its policy for credit card payments of utility bills. As per the revised policy, a 1% surcharge, along with GST, will be levied on credit card payments for utility bills that exceed Rs. 20,000 in a statement cycle. However, this additional charge will not be applicable for transactions made with the FIRST Private Credit Card, LIC Classic Credit Card, and LIC Select Credit Card.

04 Apr 2024, Thursday
2. IDFC First Bank Announces Credit Card Devaluation.

IDFC First Bank announced a devaluation of their credit card rewards program, effective from 1 May 2024. Here's a breakdown of the key changes:

  • Reduced reward points: Across all cards, reward points are now earned at a rate of 3 points per every Rs. 150 spent, compared to the previous system that offered higher points for specific categories like online shopping.

  • Lounge access changes: For most cards, complimentary airport lounge access now requires a minimum spend of Rs. 20,000 in the previous calendar month.

  • Charges on utility bill payments: A 1% surcharge applies to total utility bill payments exceeding Rs. 20,000 in a statement cycle (except for Private, LIC Classic and LIC Select cards).

  • Rent payments: A fee of Rs. 249 or 1% (whichever is higher) is charged on rent payments made through the credit card.

There are some exceptions to these changes, particularly for the IDFC FIRST Bank Private Credit Card, which remains largely unaffected.

15 Dec 2023, Friday
3. LIC Cards, IDFC First Bank, and Mastercard Join Hands to Launch Co-Branded Credit Cards.

IDFC First Bank, LIC Cards, and Mastercard have announced their joint venture to launch an exclusive co-branded credit card to cater to the dynamic financial needs of the country. In a joint statement released on Thursday, the credit card comes in two variants - LIC Classic and LIC Select. The credit cards offer policyholders across the country an opportunity to save reward points on every LIC insurance premium payment.
Apart from the reward points, the credit card also comes with a host of other benefits, including up to Rs 50,000 cover for lost card liability and personal accident insurance cover of up to Rs 5 lakh. The additional benefits will be extended to LIC policyholders who opt for this credit card, along with co-brand benefits. This initiative is expected to benefit more than 27 crore policyholders across India. 
 

11 Apr 2023, Tuesday
4. IDFC FIRST Bank launches co-branded fuel credit card

Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.

IDFC FIRST Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

IDFC FIRST Bank

IDFC FIRST Bank Credit Card Customer Care Number:

1860 500 9900

IDFC FIRST Bank Card Offers:

View Offers

Total Cards:

30,76,601
View All IDFC FIRST Bank Credit Cards

Frequently Asked Questions

Yes, all IDFC FIRST credit cards are free for life and have no annual or joining fees. All IDFC FIRST credit cards come with a range of exclusive benefits, such as rewards and discounts. Additionally, customers can enjoy free access to airport lounges and exclusive dining offers.

In order to best serve the needs and requirements of its customer base, IDFC FIRST Bank offers five main credit cards in a variety of categories. The five credit cards fall into the lifestyle and rewards categories. These cards also come with extra perks like waived fuel surcharges, movie ticket discounts, access to train lounges, and savings at affiliated restaurants. Users can spend money wisely, manage it more effectively, and save more thanks to a variety of distinctive rewards, unique features, and benefits.

Customers can visit four domestic airport lounges for free each quarter using their IDFC FIRST Select cards. Using this card is frequently a wise decision for people who travel frequently.

The IDFC Credit Card Reward Points can be redeemed for gift cards from a variety of e-commerce sites and merchants, with a minimum purchase amount of Rs 10 and a maximum of Rs 10,000. To use the points, visit the official website of IDFC FIRST Bank and sign in using your registered mobile number. Click the "Redeem Points" button, select the number of vouchers you want to buy, and type the voucher's delivery information.

People who earn more than the minimum salary requirement of Rs 25,000 per month are eligible for this card, which is the same for all IDFC FIRST Credit Cards. But the bank might also consider other things, like your credit history and score, before approving your credit card application.

Select understands market trends and users' temperaments. That's why you can never go wrong with it.

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