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Monday
Flat 10% off

On CC full swipe payment

Tuesday
Extra 15% OFF

on ₹499 at Myntra.com

Wednesday
10% OFF

Upto 50% OFF From
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Thursday
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10% instant discount upto Rs. 300 on a purchase.

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To the world of IDFC FIRST Bank Credit Cards

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What’s New?

FIRST Wow Card

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  1. 1% unlimited cashback on all purchases*
  2. 0% Forex markup for international transactions
  3. 5% annual bonus on cashback balance
  4. 1% fuel surcharge waiver across India

FIRST Private Card

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  1. Only through invites
  2. Bank contributes Karma points
  3. Instant discount on BookMyShow
  4. 2 Complimentary Golf lessons per month

Image Service Card

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  1. Personalization option
  2. Gallery of 200+ images to select from
  3. Upload an image you love
  4. ₹499 introductory one-time fee

Compare to make the right choice

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  • 2%

    Monthly Interest Rate

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Credit Card Outstanding Repayment Calculator

IDFC First bank lets you get most value of out of your money. See how much you can save with IDFC First cards!

Balance amount is the due amount for your credit card

42%

Find your credit card APR near the end of your monthly statement

Amount Paid Monthly

Note: The interest rate range of 9-42% varies for each customer and is assigned to each customer within this range, based on bank’s internal assessment

Other Banks

APR

Other banks offer very high interest rates (42-48%)

Months to pay off

19 m

Total amount paid

₹26,211

₹20,000 Principal

₹6,211 Interest

IDFC FIRST Bank

APR

IDFC FIRST Bank offers low and dynamic interest rates

Months to pay off

15 m

Total amount paid

₹21,099

₹20,000 Principal

₹1,099 Interest

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Reward points that never expire!

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9to
42%

Usually interest rate as high as 42% p.a. [also known as APR] is charged, in case you carry forward your outstanding balances beyond the payment due date.

At IDFC FIRST Bank you get lower interest rates ranging between 9% to 42% per annum.

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The Best APRs In the Business

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Additional Benefits

EMI Perks

Convert transactions above ₹2500 to EMI

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Convert to EMI in Multiple Ways

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Flexible tenures up to 36 months

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5% Cashback as Joining Benefit

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Low Interest on Balance Transfers

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Loan on Card

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Offers

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DFC FIRST Mobile App

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Payments

Instant Credit Card bill payments

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EMI

Convert transactions to EMI

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Make bill payments with Autopay

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Control

Complete charge of transactions

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Utopia: Rewards every day, everywhere!

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Key Features and Benefits of IDFC FIRST Bank Credit Card

It is a financial product offered by banks and Non-Banking Financial Companies (NBFCs). It provides cardholders access to immediate credit. The amount of credit varies depending on multiple factors such as the cardholder’s age, income, etc. After cardholders seek credit using a credit card, they can pay back the amount in one go or in instalments within the prescribed due date.

Eligibility and Document Required for Credit Card

It can be a valuable instrument for collecting rewards, which later can pay for your purchases, availing travel perks, meeting emergencies, and improving your credit score.

How to apply for a Credit Card online?

Reward points are additional perks you receive on making payments using your credit cards. Apply for credit card at IDFC FIRST Bank and get rewarded up to 10X rewards for every payment you make. The rewards you earn do not expire and are fully redeemable against any payment for no fees. You do not get the same benefit as others available in the market. These rewards, if accumulated, can even end up paying for any flight ticket or product you like.

FAQs

What is a credit card?

It is a financial product offered by banks and Non-Banking Financial Companies (NBFCs). It provides cardholders access to immediate credit. The amount of credit varies depending on multiple factors such as the cardholder’s age, income, etc. After cardholders seek credit using a credit card, they can pay back the amount in one go or in instalments within the prescribed due date.

Why is a credit card necessary?

It can be a valuable instrument for collecting rewards, which later can pay for your purchases, availing travel perks, meeting emergencies, and improving your credit score.

What are reward points, and how I can use them?

Reward points are additional perks you receive on making payments using your credit cards. Apply for credit card at IDFC FIRST Bank and get rewarded up to 10X rewards for every payment you make. The rewards you earn do not expire and are fully redeemable against any payment for no fees. You do not get the same benefit as others available in the market. These rewards, if accumulated, can even end up paying for any flight ticket or product you like.

Can I use my credit card for international transactions?

Yes, you can use it for international transactions. They are more helpful because they come with a forex markup of only 1.99% for FIRST Select and 1.5% for FIRST Wealth, facility of cash withdrawal at any ATM across the world at zero interest, free lifetime access, and complimentary airport lounge access when you are on an international trip.

What are the benefits available?

The best credit cards come with several benefits and features. Some of the top ones include:

  1. Lifetime access to your card free of charge
  2. Low interest rates
  3. Cashbacks and rewards as high as 10X with credit card payments
  4. Cash withdrawals from any ATMs around the world at zero interest
  5. Option to split your payments into easy EMIs
  6. Complimentary domestic and international airport lounge accesses
  7. Low forex markup for your international purchases
  8. Instant discounts on movies, gadgets, travel, grocery and more

What is the eligibility?

In order to acquire the card, you must meet specific eligibility parameters. The most important ones include:

  1. You must be at least 18 years old.
  2. You must be an Indian citizen.
  3. You must have a healthy credit score.
  4. Your credit usage ratio must be within an acceptable level.

What does my credit score need to be?

A credit score is a vital factor in determining whether you can get the credit card you want. A score above 750 is considered excellent, while a score below 600 is average. Your credit score must be over 700 if you're going to get an IDFC FIRST Bank credit card.

Why should you apply for credit card at IDFC FIRST Bank?

IDFC FIRST Bank credit cards are packed with many benefits that enhance your living and travelling experience. The best benefits you can avail include:

  1. Lifestyle benefits – You can get discounts on shopping, dining, movies and even complimentary golf rounds every month.
  2. Travel benefits – Benefits that it your perfect travel companion; like complimentary domestic and international airport lounge access, low forex markup, Interest-free cash withdrawals at any ATM across the world.
  3. Other benefits – Some of the other benefits include no joining or annual fees, lowest interest rates, up to 10X rewards on all purchases, easy EMIs, in-app online credit card discounts, discounts on health and wellness outlets, etc.