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IDFC FIRST Bank Heritage Metal Credit Card
Welcome to IDFC FIRST Bank, where finding the right credit card is effortless. We understand that every individual has unique financial needs, which is why we offer a wide selection of credit cards designed to suit various lifestyles and preferences. Choose from a variety of credit cards that offer never-expiring reward points, cashback, travel benefits, and much more. The application process is seamless—apply for a credit card online and get instant approval. With IDFC FIRST Bank, you can apply for a credit card that not only meets your needs but also provides the flexibility and benefits to support your financial journey. Discover your ideal credit card now.
for making your first credit card bill payment through IDFC FIRST mobile banking app
up to ₹1000 on transaction value of first EMI within 30 days of card generation
up to ₹500 for each of the first 5 transactions done within 30 days of card generation
for making your first credit card bill payment through IDFC FIRST mobile banking app
No Forex mark-up fee compared to 3.5% on other bank Credit Cards
SAVE UP TO
Forex Charges
Forex Charges
For every ₹5,00,000 that you spend internationally
on incremental spends above ₹20,000 in a statement cycle and on your birthday
till ₹20,000 is spent in a statement cycle
on spending ₹8,00,000 in a year
Download the IDFC FIRST mobile banking app and get amazing rewards
Joining and Annual fee (2nd year onwards) of
just
₹199 + GST
Limited period offer: 100% cashback up to
₹200
i.e. ₹50 each on the first 4 UPI transactions
Earn up to 3X reward points on your spends
Deep dive into everything finance
Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started. Discover the advantages of linking your credit card to UPI and how to get started.
Unforeseen circumstances can dampen your travel plans. Don't let it hurt you financially.
Here's how to catch the latest releases in cinemas at a fraction of the cost with the right credit card.
Discover the advantages of linking your credit card to UPI and how to get started.
Metal Cards testimonials
I have won reward points on one of their programs. I really like it. Each month there are reward points run by the bank. I recommend IDFC credit card to everyone.
Jayesh Panchal (Vapi Gujarat)
Mayura Customer
December 11, 2024
The good thing about the reward points is that you can use it against any spends or for a specific voucher. So overall I am pretty happy.
Lokesh Kamani (Pune)
Mayura Customer
December 11, 2024
While many banks are devaluing reward points, as compared IDFC is improving its rewards program. On top of that they also give reward points for lifetime.
Jasvantsinh Rathod (Gandhinagar)
Mayura Customer
December 11, 2024
I applied online and the card came seamlessly to me. I really like the reward system and the ease of converting the points to a lot of other vouchers.
Litesh Jethani (Mumbai)
Mayura Customer
December 11, 2024
All
Late payment
Reward points
Credit score
Card limit
How to apply
Lost card
International transcations
Yes. The card comes with a joining fee (1st year) of ₹5,000+ GST and an annual fee (2nd year onwards) of ₹5,000 + GST.
The joining fee of ₹ 5,000 (+GST) will be levied instantly on card generation. You can pay for the fee before or after statement generation.
Once you have paid the joining fee, your card will be activated and can be used for online transactions. Until the payment of joining fee is complete, the card will remain blocked and cannot be used for online transactions.
You will receive cashback of ₹750 for each of any 5 transactions worth ₹750 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.
If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies. If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. The credit limit, however, will be shared across all unsecured credit cards
Yes. You will earn:
Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee and Charges. Only those transactions which are settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited after the next statement generation
The Mayura Credit Card provides the benefit of never-expiring reward points. The reward points remain valid till the credit card is active.
The Mayura Credit Card comes loaded with benefits like discounts on 300+ brands, movie tickets, complimentary airport lounge access, etc. The full list of benefits is mentioned above. For brand offers, you can visit the offers website
The Mayura Credit Card provides ZERO forex markup. Spend without paying extra fees while travelling abroad as well as on international purchases made from India.
Yes, the Mayura Credit Card offers:
The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.
Use your credit card to access Indian airport lounges and the Dreamfolks Card to access spas and lounges at Indian and overseas airport terminals.
You can also book airport lounge and spa by clicking here.
You can activate your Lounge/Spa benefit for the next calendar month by spending ₹20,000 or more in the current calendar month.
E.g. Meet spend criteria between 1st to 31st March to activate the benefit in April.
As part of Mastercard World privileges, you get 4 complimentary golf rounds and 12 complimentary golf lessons per calendar year (not more than 1 round/lesson in a single calendar month). Click here to book the visit.
Additionally, you can avail up to 2 rounds/lessons in a month. Each round/lesson is unlocked for every ₹20,000 spent in the previous statement cycle.
Yes, you can! All ATM cash withdrawals are interest-free for up to 48 days – in India or abroad. Cash withdrawal from ATMs outside India will attract a forex markup fee of 1% (+GST). Please keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.
You will receive 7,500 reward points when you cross ₹8,00,000 in spends or 15,000 reward points when you cross ₹15,00,000 in spends in a card anniversary year. The reward points will be credited on paying the annual fee for the next year. Transactions on primary, add-on and associated FIRST Digital (UPI) Credit Card will be considered towards the milestone including the EMI transactions. Cash withdrawal, fee charges and EMI amortization will be excluded from the benefit.
The reward points will get credited upon statement generation.
Using the Mayura Credit Card, you get a buy-one-get-one movie offer twice a month via Paytm movies. You can get a discount of up to ₹500 on the second ticket.
The Mayura Credit Card provides benefits like ZERO forex markup, shared complimentary airport lounge access, etc. These benefits can be availed by the add-on cardholder as well.
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