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Product Hom e Loan

Products & Services (12)

Apply Now Product Hom e Loan
Apply Now Product Loan Agaisnt Property - Hom e Loan
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Apply Now Product Hom e Loan EMI Calculator
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Savings Account with industry best 7% Interest

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REWARD PROGRAM

Gulmohar Reward Program

  • 2X Rewards on Grocery, Electricity Bills, Mobile Recharges & Fuel; 250 Bonus Rewards on cumulative INR 10K every month on these spends
  • 10X Rewards on LIC Premium Payments; Capped at XX per annum
  • Unlimited Reward points that never expire
  • Use Reward points to instantly pay for online or in-store purchases

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25 Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points Read more

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REWARD PROGRAM

Palash Reward Program

  • 2X Rewards on Dining, Movies & Grocery; 500 Bonus Rewards on cumulative INR 15K every month on these spends
  • 10X Rewards on LIC Premium Payments; Capped at XX per annum
  • Unlimited Reward points that never expire
  • Use Reward points to instantly pay for online or in-store purchases

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25 Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points Read more

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make the First Payment on your FIRST WOW! Credit Card

First Payment (>Rs. 10,000) = Fixed Deposit value = Credit Limit

  • Step 1 Click below to proceed
  • Step 2 Enter your mobile number
  • Step 3 Enter OTP
  • Step 4 Enter amount
  • Step 5 Pay

BENEFITS & PRIVILEGES

First-in-class features.
Designed to delight, year after year.

Joining benefits
Privileges
Convenience

The best things in life are free. Like IDFC FIRST Credit Cards.

FEE AND CHARGES

Low on charges,
high on benefits!

  • No annual fee. Lifetime Free Credit Card
  • No over-limit fee
  • No reward-redemption fee
  • Interest Rate on Cash withdrawals from ATMs
  • Low Interest Rate (%APR), from Starting at 0.75% p.m. (9%p.a.)
  • Late Payment Fee: 15% of total amount due(subject to Min ₹100 and Max up to ₹1,000)
  • Forex Markup at 3.5%
  • Cash Advance Fee at ₹250

We know you’re going places. Your new-age card will be your companion as you travel the world

  • Best in class Forex mark-up of only 1.5%
  • Access to International and Domestic Airport lounges and spas
  • Comprehensive Travel Insurance and Air Accident cover
  • Interest-free cash withdrawal* at International and Domestic ATMs *Cash Advance Fee of only ₹250 per transaction
New
Start using UPI on your favourite UPI Apps
Power of UPI now on your FIRST Power Credit Card
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Frequently asked questions

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

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

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

How can I earn 10x reward points?

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Important Documents

Most Important Terms & Conditions

Card Member Agreement

Product Usage Guide

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