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The joining fee of ₹2,500 (+GST) will be levied instantly on card generation. You can pay for the fee before or after statement generation.

On payment of joining fee, you will receive cashback of ₹400 for each of any 5 transactions worth ₹400 or more, completed using your credit card within 60 days of card generation. The joining benefit will be credited in the next statement. Cash withdrawal transactions, fees and charges will not be eligible for the joining benefit.

Lorem 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.

Lorem When your Credit Card is lost, stolen or damaged, it is advisable to block it permanently and request a replacement. If your Credit Card is lost or stolen, blocking it will prevent any misuse. Click here to block your Credit Card, and select the Permanent block option.

Lorem You can generate your IDFC FIRST Bank Credit Card PIN via any of the following methods:

Lorem Certainly! You can withdraw cash from ATMs with IDFC FIRST Bank Credit Cards, interest-free for up to 48 days – both in India and abroad (forex mark-up charges apply as per card type). There is a cash withdrawal limit of ₹10,000 per transaction and a cash advance fee of ₹199 + GST applicable.

Lorem To reduce the credit limit on your IDFC FIRST Bank Credit Card, follow these steps:

Lorem 1 Mobile Banking app/Net Banking

1. Click on Credit Card
2. Navigate to 'Card Controls'
3. Click on 'Manage' to increase or decrease your daily transaction limit.

Lorem 2. Website

1. Click here and enter your registered Mobile Number or Credit Card number and click on 'Get OTP'.
2. Click on 'Get OTP' You will be directed to the Card Controls page, where you can increase or decrease your daily transaction limit.

Lorem Big purchases and small EMIs are possible with IDFC FIRST Bank Credit Cards! Enjoy 300+ merchant offers and stop worrying about huge bills. Convert your IDFC FIRST Bank Credit Card transactions above ₹2,500 into easy EMIs with just a few clicks. These EMIs are offered at attractive interest rates, with flexible tenure options from 3 to 18 months. Here’s how to convert purchases to EMI:

Lorem Online or in-store purchases (at eligible merchants) can be converted to EMI at the time of Credit Card payment confirmation.

Lorem Any time before your transaction is due for payment, you can convert to EMI through the IDFC FIRST Bank mobile app or Net Banking.

Lorem EMI conversion steps via Mobile App/Net Banking:

1. Navigate to your 'Credit Card' page
2. At the bottom of the screen Click on 'Convert to EMI'
3. Transactions eligible for EMI will appear under this section
4. Select the option “Convert to EMI” for the transaction you wish to convert
5. Choose an EMI repayment plan based on your preference
6. Accept the T&Cs and “Confirm” the conversion of your transaction to EMI

Lorem Alternatively, you can contact our customer care to convert transactions into EMI.

Lorem If you do not see a certain transaction under the ‘Convert to EMI’ section, it means it is ineligible due to certain rules. These rules include the amount of the transaction or merchant category restrictions.

Lorem IDFC FIRST Bank offers various payment options to pay your Credit Card bills. Click here to pay now. You can also pay your Credit Card bill through the following options:

1. Auto debit from an IDFC FIRST Bank Savings Account
2. IDFC FIRST Bank Mobile application
3. Net Banking
4. UPI payment
5. IMPS/NEFT
6. Cash Deposit
7. Cheque
8. Debit Card

Lorem To learn more about these options click here.

Lorem You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:

1. Visit Rewards website
2. On Net banking/Mobile Banking go to “Reward redemption” section
3. Select “Pay with Reward points” for online purchases on the OTP page at time of making the transaction
4. Choose “Pay with Reward points” for in-store purchases at the time of the transaction (at select Pine Lab terminals). Please note that a reward redemption fee of ₹99 + GST will be applicable on redemption

Lorem You can track your Credit Card transactions by following the below steps:

Lorem Mobile Banking app/Net Banking:

1. Log in to your Mobile Banking/ Net Banking account
2. Under the "Credit Cards section, click on your card
3. On the dashboard, click on “View Statement”