Name | Joining Fees | Benefits | Rewards | Rate of Interest |
---|---|---|---|---|
FIRST Millennia Credit Card | No Joining Fees |
|
|
0.75% Onwards |
FIRST Classic Credit Card | No Joining Fees |
|
|
0.75% Onwards |
FIRST Select Credit Card | No Joining Fees |
|
|
0.75% Onwards |
FIRST Wealth Credit Card | No Joining Fees |
|
|
0.75% Onwards |
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.
Age
Income
Credit Score
Nationality
Mandatory Documents
Identity proof
Address Proof
Income Proof
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.