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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…

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…

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FIRST Select Credit Card

Experience life’s little luxuries without spending more

LIFETIME FREE
Pay upto 80% less with interest rates as low as 0.75%
Save upto ₹20,800 by switching to FIRST Select Credit Cards

Find out how

Enjoy exclusive benefits on your lifetime free FIRST Select Credit Card

Interest free cash withdrawal from ATM (upto 48days)
Use and manage the card digitally on our all new mobile banking app
3x rewards on all retail store spends
Accelerated rewards upto 6X on online transactions
No rush to redeem reward points with no expiry
Free Lounge access for Domestic Airport (4 Visits/ quarter)
Buy one get one free on moive tickets upto ₹250 twice per month
50+ in-app online discount offers
Dining offers upto 20% off across ₹1500 restaurants
Welcome gift vocher worth ₹500 on spending ₹15000 in first 3 monhs
5% Cashback on first EMI transaction done within 90 days
Get yourself insured personal accident cover of ₹5,00,000

Find out how you can save 20,800* annually with out FIRST Select Credit card

*We have calculated savings based on our estimate of your spends.
Enter actual spends below to calculate your savings.

#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

Top reasons why our customers love our cards

Arshal John
4.5/5
One of the best cards I have used. I have 7 other credit cards but this is the best across parameters
Nilesh Tiwari
5/5
Excellent rewards , cashback, very low interest rate, great design, free insurance! Can't stop telling more
Arshal John
4.5/5
Application process was very nice; from onboarding to the delivery of credit card everything was fast.
Preety Singh
4.5/5
Welcome kit is awesomely designed. It gives the feeling that IDFC FIRST Bank really puts its customers first.
Pawan Kumar
4.5/5
Very fast service, exciting rewards program and cashback along with attractive EMI options.

Have questions? Here are the answers!

Is there a Joining/Membership fee for IDFC FIRST Bank Credit Cards?

There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Credit Cards.

What are the documents required for processing a credit card application?

As a pre-approved customer, there are no documents required to be submitted. We will process your application without documents instantly

What is the interest rate levied if there is a delay / non-payment of my credit card dues?

The interest rate is applicable only on revolving balances, i.e. if you choose to pay less than your toal amount due and carry over the balances, beyond your payment due date.

IDFC FIRST Bank offers an interest rate of 0.75% - 2.99% per month, which is lowest in the industry. Typically banks charge 3.45% per month

How do I earn reward points?

You will earn rewards points for all purchase transactions* done on your IDFC FIRST Bank Credit Card.

*Transactions that will not accrue reward points: 1) Cash Withdrawal 2) Transactions done on fuel and insurance categories 3) Transactions which are converted to EMI

How many points do I earn per transaction?

For every ₹100 spent, you will receive 3 reward points on all offline transactions, 6 reward points on all online transactions and 10 reward points on all incremental spends above ₹20,000 every billing cycle.

Cash Withdrawal, Insurance, Fuel & EMI conversion transactions will not accrue reward points.

1X = 1 reward point = ₹0.25

When will the welcome bonus offers/points be credited to my account?

You will earn gift vouchers worth ₹500 as a welcome offer with your IDFC FIRST Bank Credit Card, on a minimum spend of ₹15000 within the first 3 months of card issuance.

What are the minimum IDFC FIRST Bank Rewards I need to start redeeming?

You do not need a minimum number of reward points to start redeeming your rewards.

Are there any charges for redemption of reward points?

There are NO charges for reward redemption.

Is there an expiry date on the reward points accrued on my card?

There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card

What is the Merchant EMI conversion?

Merchant EMI conversions' are transactions converted into Equal Monthly Instalments (EMI) by the merchant at the time of the transaction. These transactions would be converted into EMIs by charging interest on the monthly reducing balance. The interest rate is communicated at the time of availing the product. 5% Cash back for a 'Merchant EMI' transaction is offered solely by the merchant / brand and shall be credited to the card account only on receipt of the funds from the merchant / brand. This process may take up to 90 business days.

Why do I not have an IDFC FIRST Bank pre-approved credit card offer?

Eligiblity of pre-approved credit card offer is based on bank's internal policies. Do not worry, we will reach out to you as soon as we have an offer for you.

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