IDFC FIRST Bank Credit Card

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IDFC FIRST Bank offers a range of credit cards with zero annual fees, high reward points, and exclusive lifestyle benefits. These cards are designed to provide maximum value to users with perks such as unlimited reward points, airport lounge access, and low interest rates. Whether you are a frequent traveler, a frequent shopper, or looking for everyday savings, IDFC FIRST Bank has a credit card to suit your needs.

Best IDFC FIRST Bank Credit Cards

IDFC FIRST Bank provides multiple credit card options catering to different spending patterns. Some of the most popular credit cards include:

Best Credit Cards in India | Check Eligibility & Apply Online

How to Apply for an IDFC FIRST Bank Credit Card Online at MybankingTips

You can apply for an IDFC FIRST Bank credit card through MybankingTips or directly via the IDFC FIRST Bank website. Follow these steps:

Apply via MybankingTips

  • Visit the Website – Go to the IDFC FIRST Bank Credit Card section on MybankingTips.
  • Choose Your Card – Compare and select the best-suited credit card.
  • Click ‘Apply Now’ – Start your application by clicking ‘Apply Now’.
  • Enter Your Details – Fill in personal and financial details for verification.
  • Submit Application – After submission, you will receive an application reference ID for tracking.

Apply via the IDFC FIRST Bank Website

  • Go to the IDFC FIRST Bank Website – Visit the official website.
  • Navigate to ‘Credit Cards’ – Click on the ‘Credit Cards’ section.
  • Select a Card – Choose a card based on your spending needs.
  • Click ‘Apply Now’ – Fill in the details and submit your application.
Apply for Top IDFC FIRST Bank Credit Cards

Eligibility Criteria

To apply for an IDFC FIRST Bank credit card, you must meet the following requirements:

  • Age: Between 21 and 60 years.
  • Employment: It is available for both salaried and self-employed individuals.
  • Credit Score: A 750+ credit score can increase your chances of approval chances.

Documents Required for IDFC FIRST Bank Credit Cards

Proof of Identity PAN Card, Aadhaar Card, Passport, Voter ID, Driver’s License
Proof of Address Aadhaar Card, Passport, Utility Bill (not older than 3 months), Ration Card
Proof of Income Latest salary slips (not older than 3 months), Form 16, Last 3 months’ bank statement

IDFC FIRST Bank Credit Card: Fee & Charges

  • Annual Fee: ₹0 (Lifetime free for most cards).
  • Finance Charges: 0.75% to 3.99% per month based on the card type.
  • Late Payment Charges:
    • Up to ₹100 – No charges.
    • ₹101 to ₹500 – ₹100.
    • Above ₹500 – ₹750 or 10% of outstanding amount (whichever is lower).
Suggested Read : Check 25 Best Credit Cards in India in February 2025 and find the right card as per your spending habits.

IDFC FIRST Bank Credit Card Features & Benefits

1. Welcome Benefits

  • Get bonus reward points upon activation.
  • Enjoy discounted movie tickets and exclusive offers.

2. Reward Points and Cashback

  • Earn 10X reward points on online purchases.
  • Get 5X reward points on offline transactions.
  • Unlimited reward points with no expiry.

3. Travel Benefits

  • Complimentary airport lounge access at domestic airports.
  • Special discounts on hotel bookings and flight tickets.

4. Additional Perks

  • Fuel surcharge waiver at all petrol pumps.
  • Dining discounts at select restaurants.
  • Spend-based waiver on annual fees (for applicable cards).

Top IDFC FIRST Bank Credit Cards & Their Features

1. IDFC FIRST Millennia Credit Card

  • Best for: Online Shopping & Cashback
  • Annual Fee: ₹0 (Lifetime Free)
  • Reward Points: 10X rewards on spends above ₹20,000.
  • Lounge Access: 4 domestic lounges per year.

2. IDFC FIRST Select Credit Card

  • Best for: Travel & Lifestyle Benefits
  • Annual Fee: ₹0 (Lifetime Free)
  • Reward Points: 6X rewards on travel, dining, and entertainment.
  • Lounge Access: 2 international lounges per quarter.

3. IDFC FIRST Wealth Credit Card

  • Best for: Premium & Luxury Benefits
  • Annual Fee: ₹0 (Lifetime Free)
  • Exclusive Benefits: Unlimited lounge access, concierge services.

Apply for IDFC FIRST Bank Credit Cards

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How to Activate Your IDFC FIRST Bank Credit Card

  • Via Net Banking:
    • Log in to IDFC FIRST Bank Net Banking.
    • Select Credit Cards then Register Credit Card.
    • Set a PIN using OTP verification.
  • Via Mobile Banking:
    • Download the IDFC FIRST Bank Mobile App.
    • Select Set/Reset PIN and complete verification.

How to Pay IDFC FIRST Bank Credit Card Bills

  • For IDFC FIRST Bank Account Holders:
    • Net Banking: Pay directly through your bank account.
    • Auto-Debit: Set up standing instructions for automated payments.
  • For Non-IDFC FIRST Bank Account Holders:
    • NEFT/IMPS/RTGS: Use IFSC IDFB0040101 for transfers.
    • UPI/Bill Desk: Use UPI apps for hassle-free payments.

How to Redeem IDFC FIRST Bank Credit Card Reward Points

  • Log in to the IDFC FIRST Rewards Portal.
  • Browse redemption categories like gift vouchers, travel, and bill payments.
  • Confirm your redemption request and enjoy the rewards.

IDFC FIRST Bank Credit Card Login & Net Banking

To manage your credit card online:

  • Visit the IDFC FIRST Bank official website.
  • Click on Net Banking and select Credit Card Banking.
  • Register using your credit card details.

Federal Bank Credit Card Bill Payment

Federal Bank provides multiple methods for credit card bill payments for the convenience of cardholders. Here are the available methods:

  • Net Banking: Log in to your Federal Bank account and pay your bill.
  • Mobile Banking: Use the Federal Bank mobile app to make quick payments.
  • Auto-Debit: Set up instructions for auto-pay to deduct payments automatically.
  • UPI & BillDesk: Pay via third-party UPI apps or through the BillDesk portal.
  • NEFT/RTGS: Transfer funds from another bank account using the IFSC code.
  • Cheque & Cash Payment: Deposit a cheque at the nearest Federal Bank branch or pay in cash (charges may apply).

Federal Bank Credit Card Application Status

To check your Federal Bank credit card application status:

  1. Online Tracking: Visit the Federal Bank website and enter your application reference number and mobile number.
  2. Customer Care: Call Federal Bank’s customer care helpline and provide your application details.
  3. Branch Visit: Visit the nearest Federal Bank branch with your reference number to inquire about the application status.

Federal Bank Credit Card Balance Transfer

Federal Bank allows balance transfers from other credit cards, offering lower interest rates and easier repayment options. Benefits include:

  1. Lower Interest Rates: Reduced financial burden compared to high-interest credit card debts.
  2. Flexible Repayment Plans: Pay off transferred balances in EMIs.
  3. Quick Processing: Easy online or branch-based application process.

Dos & Don'ts of IDFC FIRST Bank Credit Cards

Dos:

  • Pay bills on time to avoid interest charges.
  • Keep credit utilization low for a better credit score.
  • Monitor credit card statements regularly.
  • Use your credit card responsibly to build a strong credit history.
  • Redeem cashback and reward points before they expire.
  • Report lost or stolen cards immediately to prevent unauthorized transactions.

Don'ts:

  • Avoid making minimum payments only.
  • Don’t exceed your credit limit.
  • Never ignore credit card terms & conditions.
  • Don’t apply for multiple credit cards at once, as it can lower your credit score.
  • Do not withdraw cash using your credit card, because banks charge high fees.
  • Never delay reporting suspicious transactions, as it may lead to financial loss.

Apply for Top IDFC FIRST Bank Credit Cards with MybankingTips

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When is IDFC FIRST Bank Credit Card Interest Charged?

Interest is charged in the following cases:

  • Late Payments – If you miss your due date.
  • Cash Withdrawals – Interest is charged from the withdrawal date.
  • Balance Carry Forward – If you don’t clear the full bill amount.

IDFC FIRST Bank Interest-Free Period

IDFC FIRST Bank offers an interest-free period of up to 48 days, as long as the full outstanding balance is paid by the due date. This benefit allows users to avoid interest charges, making it easier to manage their payments effectively.

IDFC FIRST Bank Credit Card Customer Care

For assistance, contact IDFC FIRST Bank’s customer support:

  • Call: 1860-500-1111
  • Email: creditcard@idfcfirstbank.com

Apply for Top IDFC FIRST Bank Credit Cards with MybankingTips

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IDFC FIRST Bank Credit Cards FAQs

IDFC FIRST Bank credit cards offer various benefits in the form of reward points, complimentary lounge visits, fuel surcharge waivers, and exclusive discounts on shopping, travel, and dining.

You can apply online via MybankingTips or the IDFC FIRST Bank website. Select your card, fill in your details, upload the required documents, and submit your application.

To apply for IDFC FIRST Bank Credit Card, applicants must be between 21-60 years old, salaried or self-employed, with a good credit score (preferably 750+) and a stable income.

You can easily check your credit card application status on the IDFC FIRST Bank website using your reference number or call customer care.

You can pay your IDFC FIRST Bank Credit Card bill via Net Banking, Mobile Banking, UPI, NEFT, IMPS, RTGS, auto-debit, or through the BillDesk portal.

If your IDFC FIRST Bank Credit Card is lost or stolen then Immediately report it to the bank via Net Banking, Mobile Banking, or call IDFC FIRST Bank’s customer care to block the card and prevent unauthorized transactions.

You can activate it via Net Banking by registering your card and setting a PIN using OTP verification, or through the IDFC FIRST Bank Mobile App.

Apply for IDFC FIRST Bank Credit Cards

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