About Us
Investors
asdasd
Careers
asdasd
CSR
asdasd
Customer Service

Popular searches

Product Home Loan

Products & Services (12)

Apply NowProduct Home Loan
Apply Now Product Loan Agaisnt Property - Home Loan
Apply Now Product Balance Transfer - Home Loan
Apply Now Product Home Loan EMI Calculator
See 8 More Results

Recent searches

DownloadForm Home Loan Application Form
Download Product Loan Agaisnt Property - Home Loan
Download Article Benefits of Balance Transfer
View All 32 Results

Savings Account with industry best 7% Interest

Notifications

IDFC FIRST Bulletin

Redemption of Tranche 1, 2 & 3 Long Term Infrastructure Bonds - FY 2010-11

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

Know More Read More

Stay Protected from the Novel Coronavirus No Carelessness Until there is a Cure

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor..

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

Know More Read More

Please note that the Bank is not undertaking any KYC verification through SMS, Emails, links or phone calls

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

Know More Read More

Stay Protected from the Novel Coronavirus No Carelessness Until there is a Cure

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor..

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

Know More Read More

Stay Protected from the Novel Coronavirus No Carelessness Until there is a Cure

Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor..

In case your personal records are not updated and in non-receipt of maturity proceeds, click to update details and upload scanned copies…

Know More Read More

India’s Best
Credit Cards

You deserve the world.

Explore more

India’s Best
Interest !

Save like never before.

Explore more

Credit Card
like no other!

10X rewards, redeemable anytime.

Explore more

Apply for
Credit Card
Online

Take Our Credit Card Challenge

Know how you can save ₹13500 annually from multiple charges

BEGIN CHALLENGE
Dummy Text

Welcome

To the world of IDFC FIRST Bank Credit Cards

Explore More

What’s New?

FIRST Wow Card

Dummy Text
  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

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

Image Service Card

Dummy Text
  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

  • Dummy Text

  • ₹0/-

    Annual Fees

  • 2%

    Monthly Interest Rate

  • Dummy Text

  • ₹0/-

    Annual Fees

  • 2%

    Monthly Interest Rate

COMPARE IN DETAIL

Explore Features

Reward points that never expire!

Dummy Text
Learn More

Zero Redemption Fee

Dummy Text
Learn More

Pay Instantly with Reward Points

Dummy Text
Learn More

0% Interest on Cash Withdrawal

Dummy Text
Learn More

Lower Interest Rates

Dummy Text
Learn More

Annual Percentage Rate (APR)

Dummy Text
Learn More

Zero Annual Fees

Dummy Text
Learn More

Zero Joining Fee

Dummy Text
Learn More

Zero Reward Redemption Fee

Dummy Text
Learn More

Zero Overlimit Fee

Dummy Text
Learn More

Exciting discounts on Movie Tickets

Dummy Text
Learn More

Railway, Airport, Spa & golf Lounge Access

Dummy Text
Learn More

Joining Benefits

Dummy Text
Learn More

Insurance/RSA

Dummy Text
Learn More
Dummy Text
HOVER TO LEARN MORE
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.

OTHER
CREDIT CARDS
36to
42%

The Best APRs In the Business

EXPLORE IN DETAIL

Convert transactions above ₹2500 to EMI

LEARN MORE

Convert to EMI in Multiple Ways

LEARN MORE

Flexible tenures up to 36 months

LEARN MORE

5% Cashback as Joining Benefit

LEARN MORE

EMI Charges

LEARN MORE

Low Interest on Balance Transfers

LEARN MORE

Loan on Card

LEARN MORE

Avail More Points

LEARN MORE

Industry-best Rates

LEARN MORE

Over limit Charge

LEARN MORE

Maximize your Benefits!

LEARN MORE

Refer & Earn

LEARN MORE

Offers

Get 300+ Merchant offers & Dining discounts, all year long!

Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text
Dummy Text Dummy Text Dummy TextDummy Text Dummy Text Dummy Text
Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text
Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text Dummy Text
EXPLORE OFFERS Download Brochure

Get 300+ Merchant offers & Dining discounts, all year long!

Dummy Text
Dummy Text Dummy Text Dummy Text
Dummy Text
Dummy Text
EXPLORE OFFERS

Get 300+ Merchant offers & Dining discounts, all year long!

Dummy Text
Dummy Text Dummy Text Dummy Text
Dummy Text
Dummy Text
EXPLORE OFFERS

DFC FIRST Mobile App

Dummy Text

Payments

Instant Credit Card bill payments

Dummy Text

EMI

Convert transactions to EMI

Dummy Text

Autopay

Make bill payments with Autopay

Dummy Text

Control

Complete charge of transactions

Dummy Text

Rewards

Redeem rewards with ease

DOWNLOAD APP

We’ve a Card for Everyone

Blogs

Credit Card Rewards

Featured

Utopia: Rewards every day, everywhere!

Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet.

Team FinFIRSTFeb 23 • 3 mins read

Read More

View More

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.