IDFC Bank Credit Card

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Types of IDFC Bank Credit Card

Name Joining Fees Benefits Rewards Rate of Interest
FIRST Millennia Credit Card No Joining Fees
  • 4 complimentary Railway lounge visits per quarter
  • Complimentary Roadside Assistance worth ₹1,399 Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month
  • Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets
  • 6X&3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month
  • 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
0.75% Onwards
FIRST Classic Credit Card No Joining Fees
  • 5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation
  • Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
  • 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
  • 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month
0.75% Onwards
FIRST Select Credit Card No Joining Fees
  • Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
  • 5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation
  • 10X Reward Points on incremental spends above ₹25,000 per month and spends done on your birthday
  • 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹25,000 per month
0.75% Onwards
FIRST Wealth Credit Card No Joining Fees
  • Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
  • 5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation
  • 10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday
  • 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹30,000 per month
0.75% Onwards

How to apply for IDFC bank credit card?

To apply for a credit card online, you can follow the below steps:

Step 1 : Compare all IDFC Bank credit card options available to you.
Step 2 : Select the option that is most viable to you, based on your requirements.
Step 3 : Check your eligibility, and if yes, then fill in the personal details in IDFC Bank App into the credit card application form.
Step 4 : Depending upon your monetary history, you may get instant credit card approval and enjoy the benefits.

Eligibility criteria for IDFC Bank Credit Card

Age

  • Minimum: 21 years or above and 18 in some exceptional cases.
  • Maximum: 65 years

Income

  • Minimum: 25k Monthly Income

Credit Score

  • The potential cardholder must have a CIBIL score of 750 or above.

Nationality

  • Issued to both Indian and Non-Residential Indian (NRI).

Documents required for IDFC Bank Credit Card

Mandatory Documents

  • Recent coloured photos
  • Photocopy of PAN or Aadhar card

Identity proof

  • PAN Card
  • Aadhar Card
  • Passport
  • Driving License
  • Voter Id

Address Proof

  • Registered Rent Agreement or Lease Agreement
  • Aadhar card
  • Passport
  • Ration Card

Income Proof

  • Salary Certificate
  • Recent salary slip or business continuity proof
  • Employment letter
  • Form 16 / IT Returns

F.A.Q

  • For metro cities, the potential IDFC Bank holder must earn a minimum of 25,000; for non-metro cities, it varies between 10,000 to 15,000, depending upon the individual and the bank.

  • Usually, the interest rates depend upon the billing cycle and due to repayment. So, if you pay before the due date, there are no charges, and if you make a partial payment, your bill will attract interest. The interest rate varies accordingly but usually summarizes 3% to 5%.

  • The minimum CIBIL score is 750 or above.

  • If you have a low CIBIL score, then there is the possibility that the bank will issue you regular credit. But in some exceptional cases, you can get an add-on or secured credit card.

  • The banks evaluate the credit card at the time of its renewal. So, based on your repayment history, the bank decides to increase or decrease the card limit.