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Savings Account with industry best 7% Interest

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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…

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

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

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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…

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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…

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#CreditCardChallenge

Personalize savings

Compare Your Cards
Savings

Annual Charges
₹ 500
Annual Charges
₹ 0
₹ 500
₹ 500
Monthly Interest Rate
₹ 3528
Monthly Interest Rate
2%
3.40%
₹ 3528
Rewards
₹ 1350
Rewards
Upto 10X rewards
2 reward points on every ₹100 spend
₹ 1350
Rewards Redemption Fee
₹ 396
Rewards Redemption Fee
₹ 0
₹ 99
₹ 396
Rewards Expiry
₹ 840
Rewards Expiry
No expiry
2 years
₹ 840
Interest on ATM Cash Withdrawal
₹ 840
Interest on ATM Cash Withdrawal
0% p.a.
42% p.a.
₹ 840
Forex Markup
₹ 151
Forex Markup
1.99%
3.60%
₹ 151
Apply Now
Total Savings
₹ 20,800
*Indicative data for other bank credit cards last updated as on 1st Aug 2021
Comparison data shown above is accurate to the best of our efforts. However, IDFC FIRST Bank will not be responsible for any discrepancy in such data. You are requested to verify the other Bank Card features/charges, on the respective Bank website
Calculation does not account for any bonus rewards, fee waivers basis milestone savings

Lower interest rates on IDFC FIRST Bank Credit Cards.

Usually, Credit Cards charge interest rate as high as 42% p.a, in case you carry forward your outstanding balances beyond the payment due date.

IDFC FIRST Bank Credit Cards offer lower interest rates ranging between 9% to 36% per annum.

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For credit card, the interest rates are typically stated as a yearly rate, called the annual percentage rate (APR). No Interest is charged if you pay your balance in full each month by the due date.

We recommend that you always pay Total Amount Due to avoid any charges. Paying Minimum Amount Due each month is mandatory.

%
%
STARS
STARS

Pay no fee.

Most customers pay a joining and a renewal fee if
they don't spend a set amount in a year

Move to IDFC FIRST Bank Credit Cards, free
for life. No conditions applied

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Pay no fee

Withdraw cash at 0% interest.

IDFC FIRST Bank Credit Cards offer ATM cash withdrawals at 0% interest until due date.

Usually, other credit cards charge interest from date of withdrawal with interest rates as high as 3.5% per month along with withdrawal fee of ₹ 500

Whereas, with IDFC FIRST Bank Credit Cards vou pay zero interest until payment due date and a flat transaction fee of ₹ 250/- only

Apply Now
Withdraw Freely
Cash
ATM Machine

Spend. Earn. Redeem. Repeat.

Most customers stay uninformed about expiry and
redemption fee of their reward points

We love it when you earn with our 10X
rewards program and spend it freely.
No redemption fee. No expiry.

Apply Now
Spend. Earn. Redeem. Repeat

Power in your Pocket

One app for all your needs

  • Pay your Credit Card Bill Instantly Pay your Credit Card Bill Instantly Pay your Credit Card Bill
    Instantly
  • Convert transaction to EMI Convert transaction to EMI Convert transaction to
    EMI
  • Never miss a bill payment with auto pay Never miss a bill payment with auto pay Never miss a bill payment
    with auto pay
  • Download and analyse your statement Download and analyse your statement Download and analyse
    your statement
  • View, mamage and control your transaction View, mamage and control your transaction View, mamage and control
    your transaction
  • Redeem your Rewards Redeem your Rewards Redeem your
    Rewards
Apply Now Download App
Power in your Pocket

Joining Benefits

Welcome vouchers worth ₹ 500 on spending ₹ 15,000 or more in the first 90 days

5% cashback (with no upper limit) on your first EMI purchase within 90 days of card issuance

Apply Now
Spend. Earn. Redeem. Repeat

Emergency
Roadside Assistance

In case of an unfortunate & unforeseen event like a breakdown or a road accident.

Avail 24*7 Roadside Assistance (RSA) anywhere, anytime by calling our RSA partner, Global Assure on 1800 572 3860 (toll free)

Avail 4 complimentary RSA services in a year

This is available on all IDFC FIRST Bank Credit Cards

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Spend. Earn. Redeem. Repeat

Your difficult times are covered too

Complimentary insurance coverage

Personal accident cover

Lost card liability, purchase protection & credit shield cover

Travel Insurance and air accident cover on certain products

Apply Now Know More
Spend. Earn. Redeem. Repeat

300+ Merchant offers & Dining discounts, All year long!

Save on food, electronics, groceries, home décor, travel and much more across 300+ category leading merchants.

Reserve your table to dine with your loved ones at 10,000+ restaurants

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Spend. Earn. Redeem. Repeat

Up to 10X reward points that never expire!

Earn forever, Redeem anywhere, anytime.

10X on monthly spends of above ₹ 20,000

6X for online purchases

3X at offline stores

Zero Redemption Fee

Instantly pay for any online transaction with your reward points, as well as for offline transactions at select merchants.

Get gift cards or memberships of your favourite brands with our unique and frequently updated reward redemption catalogue page.

Apply Now Know More

1X = 1 Reward point per ₹ 100 spent | 1 Reward point = ₹ 0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals

Up to 10X reward points that never expire!

Spend above ₹ 2,500 & pay in parts with easy & convenient EMIs

Multiple ways to convert your transaction to EMI

While Purchasing

Offline - Convert at the point-of-sale terminals at select merchant stores

Online - Convert on the bank’s OTP Page for all online transactions

Post Purchase

Mobile Banking Login to the app and easily convert at flexible tenures.

Phone Banking – Call 18605001111

You can avail flexible EMI tenures up to 36 months on all eligible transactions.

Apply Now

*As per regulation, not applicable on gold, jewellery transactions.

Spend above ₹ 2,500* & convert your transaction to EMI in multiple ways

Save more on interest charges with us.

Example: : If your outstanding balance is ₹ 20,000 and you pay off ₹ 1,500 per month.

With other Credit Cards

It will cost ₹ 6,211 as interest and 19 months to pay off the total debt.

With IDFC FIRST Bank Credit Cards

It will cost as low as ₹ 1,099 as interest and 15 months to pay off the total debt.

For better understanding, take a look at the given table.

Apply Now

The interest rate range of 9-36% varies for each customer and is assigned to each customer within this range based on bank's internal assessment.

Save more on interest charges with us

Maximize all your credit card benefits.

Gift your family a card in their name and share your line of credit with them

Maximize rewards by aggregating spends into one Primary account

Assured credit card with no credit checks. 100% digital application

Powerful mobile app for easy tracking of all purchases by both Add-on and Primary cardholder, in real time.

Applicable to Spouse, Children, Parents & Siblings

Get your Card View FAQs
Maximize all your credit card benefits.

Claim your power with IDFC FIRST Bank Credit Cards

  • Apply Now
  • Apply Now

Am I eligible for this card?

How many reward points do I earn?

What are the interest charges on card?

How many reward points do I earn?

Do I get any extra privileges with the card?

How many reward points do I earn?

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Frequently Asked Questions

Is there a minimum monthly / annual spend required for waiver of annual fees?

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What are the joining and annual charges? are there any other hidden charges?

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How can I earn 10x reward points?

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Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

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Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

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Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

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Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

Consequat te olim letalis premo ad hos olim odio olim indoles ut venio iusto. Euismod, sagaciter diam neque antehabeo blandit, jumentum transverbero luptatum. Lenis vel diam praemitto molior facilisi facilisi suscipere abico, ludus, at. Wisi suscipere nisl ad capto comis esse, autem genitus. Feugiat immitto ullamcorper hos luptatum gilvus eum. Delenit patria nunc os pneum acsi nulla magna singularis proprius autem exerci accumsan.

Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

Consequat te olim letalis premo ad hos olim odio olim indoles ut venio iusto. Euismod, sagaciter diam neque antehabeo blandit, jumentum transverbero luptatum. Lenis vel diam praemitto molior facilisi facilisi suscipere abico, ludus, at. Wisi suscipere nisl ad capto comis esse, autem genitus. Feugiat immitto ullamcorper hos luptatum gilvus eum. Delenit patria nunc os pneum acsi nulla magna singularis proprius autem exerci accumsan.

Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

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Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

Consequat te olim letalis premo ad hos olim odio olim indoles ut venio iusto. Euismod, sagaciter diam neque antehabeo blandit, jumentum transverbero luptatum. Lenis vel diam praemitto molior facilisi facilisi suscipere abico, ludus, at. Wisi suscipere nisl ad capto comis esse, autem genitus. Feugiat immitto ullamcorper hos luptatum gilvus eum. Delenit patria nunc os pneum acsi nulla magna singularis proprius autem exerci accumsan.

Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

How can I earn 10x reward points?

Consequat te olim letalis premo ad hos olim odio olim indoles ut venio iusto. Euismod, sagaciter diam neque antehabeo blandit, jumentum transverbero luptatum. Lenis vel diam praemitto molior facilisi facilisi suscipere abico, ludus, at. Wisi suscipere nisl ad capto comis esse, autem genitus. Feugiat immitto ullamcorper hos luptatum gilvus eum. Delenit patria nunc os pneum acsi nulla magna singularis proprius autem exerci accumsan.

Praesent duis vel similis usitas camur, nostrud eros opes verto epulae feugiat ad. Suscipit modo magna letalis amet et tego accumsan facilisi, meus. Vindico luptatum blandit ulciscor mos caecus praesent sed meus velit si quis lobortis praemitto, uxor.

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