IDFC Credit Card

IDFC FIRST Bank credit cards come with features around a host of categories including lifestyle, rewards, travel, and more, most of the IDFC Card has lifetime fees, lower interest rates, and continuous incremental rewards without an expiry date. Besides, there is just a card for all for those who want a no-frills credit card with a liberal criterion for issuance, travel and fuel/hotels, shopping, etc, and an exclusivity card for the higher strata. Of these, you have to find one that suits your spending habits and eligible income criteria. Continue reading to find out more about the features of the IDFC FIRST Credit Cards as well as other charges involved.

Top IDFC FIRST Bank Credit Cards

IDFC FIRST Credit Card is popularly known for offering lifetime free credit cards, with incremental reward structure. Besides, based on the card type you can also get benefits on travel, dining, entertainment, and more. Here are some top lifetime free IDFC FIRST Bank Credit Cards:

WHAT’S NEW!

To enhance the banking experience for existing credit cardholders, IDFC FIRST Bank has come up with the FIRST Digital RuPay Credit Card. The monthly/annual joining or membership fees of Rs. 199 come with increased rewards on UPI transactions, besides the features offered by other cards. Currently, this credit card is granted for FIRST Classic, FIRST Millennia, FIRST WOW, FIRST Select, FIRST Wealth, and FIRST Private.

Cardholders can enjoy the following benefits:

• 1x reward for UPI transactions that do not exceed Rs. 2,000
• Borrowing UPI spends to pay for easy EMIs
• Upto Rs. 50 cashback for the first four UPI transactions with a qualifying transaction amount of Rs 200 i.e. 100% cashback
• The credit limit has been improved by linking this card with the existing credit card limit
• Note: Points earned on insurance and utility bill payments will be 1X.

IDFC FIRST Bank Classic Credit Card

• 1 reward point for every Rs. 150 spent
• 6x and 3x reward points on online and offline spending, respectively
• 10x reward points on monthly spending above Rs. 20,000 and on birthdays and 3x reward points on rent payments
• 4 complimentary railway lounge visits per quarter
• 25% off on movie tickets booked through the Paytm mobile app
• Welcome benefits up to worth Rs. 1,500 on spending Rs. 5,000 or more in the first 90 days, and making an EMI transaction in the first 30 days

IDFC FIRST Bank Select Credit Card

• 1 reward point for every Rs. 125 spent
• 6x and 3x reward points on online and offline spending, respectively
• 10x reward points on monthly spending above Rs. 25,000 and birthdays and 3x reward points on rent payments
• 4 complimentary railway and domestic airport lounge visits per quarter
• 25% off on movie tickets booked through the Paytm mobile app up to Rs. 250
• Welcome benefits up to worth Rs. 1,500 on spending Rs. 5,000 or more in the first 90 days, and making an EMI transaction in the first 30 days
• 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year
• Low forex markup fee of 1.99%

IDFC FIRST Bank Select Credit Card

• 1 reward point on every Rs. 100 spent
• 6x and 3x reward points on online and offline spending, respectively
• 10x reward points on monthly spending above Rs. 30,000 and birthdays and 3x reward points on rent payments
• 4 complimentary domestic, and international airport lounge and spa visits per quarter
• 25% off on movie tickets booked through the Paytm mobile app up to Rs. 500
• Welcome benefits up to worth Rs. 1,500 on spending Rs. 5,000 or more in the first 90 days, and making an EMI transaction in the first 30 days
• 2 complimentary Golf rounds per month on monthly spends above Rs. 20,000
• Low forex markup fee of 1.5%

Below is the list of benefits that are available to users of the IDFC FIRST Credit Card:

Each IDFC Bank Credit Card is designed to offer you different benefits, here, however, we have listed some general benefits of these cards:

Lifetime Free: IDFC FIRST Bank provides four distinct credit card types that are free for a lifetime, which means zero joining and annual fees. Free lifetime IDFC FIRST Credit Cards include IDFC FIRST Wealth, IDFC FIRST Select, IDFC FIRST Millennia, and IDFC First Classic. Of these, Millennia and Classic are fit for beginners since they are easy to get and come with low-income requirements starting from as low as Rs. 25,000.

All-round Benefits: For most IDFC cards, you get inclined benefits around a few categories but you also get general benefits around fuel, dining, insurance, and traveling. For example, on IDFC FIRST HPCL Power+ Credit Card, you have high rewards for fuel, but there’s much more you get like a cash rebate on EMI purchases, a discount with ZoomCar, 5% off FASTag recharge, utility & grocery spending, and more.

Reward Points: For all IDFC Credit Cards, offered reward points are based on online as well as offline spending, across categories like shopping, traveling, dining, and many more. Also, there are incremental earnings on the different spend values you make in the given spend value range. For example, IDFC Wealth gives 10X rewards if the purchase is over Rs. 30000, while IDFC Select gives 10X on all purchases above Rs. 25000. In addition, some cards provide bonus points for Birthday expenses.

Welcome Benefits: Both new and renewal customers benefit from joining or card activation benefits when they acquire any IDs FC credit cards. Thus some of the cards have benefits that can justify the joining fee and are good for it while others even with no Nil joining fee give activation benefits. The card activation or welcome benefits may entitle you to free e-vouchers of top brands or additional cash back on your first EMI purchase to cash back on your fuel and premium economy tickets or vouchers.

Lower Fees & Charges: About fees & charges, IDFC Credit Cards are far cheaper than most credit cards. The current and applicable interest rates on these specific credit cards vary between 9-42% per annum. A lower interest rate is provided on EMI spends, cash withdrawals, and balance transfers as per the card. In addition, some debit cards include a forex markup fee which starts from as low as 1.5%.

IDFC FIRST Bank Credit Card: Fees & Charges

Fee Type	Amount
Joining Fee	Nill
Finance charges	Finance charges 0.75% to 3.5% p.m | 9% to 42% p.a
Late payment charges	15% of the total amount due (subject to a minimum of Rs. 100 and a maximum of Rs. 1,250)
Foreign currency (markup)	IDFC FIRST wealth credit 1.5% card, IDFC FIRST select credit card 1.99%, Club Vistara IDFC FIRST CREDIT CARD 2.99% , Other IDFC Credit cards 3.5%

Please refer to the terms and conditions for card variants separately. For other fees & charges, terms, and conditions related to IDFC FIRST Credit Cards, click here