on UPI spends
with FIRST EA₹N Credit Card

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 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 You can also do so using the IDFC FIRST Bank App/Net Banking.

Lorem You may activate your IDFC FIRST Bank Credit Card by following the below steps:

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 Yes, all IDFC FIRST Bank Credit Cards support contactless transactions. However, it must be activated manually in the card controls of the mobile app/net banking portal.

Lorem The following steps will guide you through enabling transaction preferences on your IDFC FIRST Bank Credit Card:

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 The credit limit is the maximum amount you can spend with the Credit Card. The credit limit is assigned when the Credit Card is issued based on the card type and the individual's credit history.

Lorem Lorem We believe in providing our customers with the best product offerings, which is why we'll contact you if we have an offer available for you to increase your credit limit. Alternatively, you may send your income documents (last 3 months' bank statements with salary credits or last ITR copy if you are self-employed) to banker@idfcfirstbank.com. It is important to note that credit limit increase requests are subject to internal evaluation and assessment at the Bank's discretion.

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 Currently, transactions above ₹2,500 are eligible for EMI conversion.

Lorem Steps via Mobile app/ Net Banking:

1. Click on 'Credit Card'
2. Click on 'Convert to EMI'
3. Transactions eligible for EMI will appear under this section.

Lorem Note : If the transaction does not appear, it is likely to be ineligible for EMI conversion based on the category or merchant type.

Lorem There will be a one-time processing fee and interest rate associated with EMI conversion.

Lorem It is an offer-based facility, and there are no eligibility requirements for applying for an instant loan with the IDFC FIRST Bank Credit Card.

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 To enable auto-debit on your Credit Card, follow the steps below:

1. Click here to login to the mobile application/Internet banking
2. Go to ‘Accounts’
3. Select Cards
4. Navigate to Auto-pay credit bills to utilise the auto-debit facility

Lorem Cardholders can modify standing instructions by logging into their IDFC FIRST Bank Internet/Mobile Banking account:

1. Click on ‘Credit Card’
2. Select ‘Manage Auto Pay’
3. Set up Total Amount Payment or Minimum Amount Payment

Lorem Yes, IDFC FIRST Bank gives its Credit Card holders the option to pay dues through IMPS/NEFT. Use the following details to pay:

Lorem Payee Name: Name as on your IDFC FIRST Bank Credit Card
Payee Account Number: Your 16-digit IDFC FIRST Bank Credit Card number
Bank Name: IDFC FIRST Bank
IFSC Code: IDFB0010225

Lorem Payments made with your Credit Cards earn you reward points. Apply for a Credit Card at IDFC FIRST Bank and get rewarded with up to 10X rewards for every purchase you make. Points earned do not expire and can be redeemed against any online purchase and select offline purchases. For more information, please refer to the reward structure on the respective product pages on the website.

Lorem Rewards points are earned as soon as the merchant settles a purchase. On the statement date, eligible purchases are cumulatively added to determine if the 10x thresholds have been met.

Lorem On transactions above the threshold cut-offs, 10X rewards will be calculated as follows:

1. For eligible offline transactions where 3X reward points are already accrued, additional 7X reward points will be credited
2. For eligible online transactions where 6X reward points are already accrued, additional 4X reward points will be credited.

Lorem Note: Rental, insurance, and utility bill spends; cash withdrawals, EMI conversions, and reverse credits are not included in the 10x threshold calculation.

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 activate your lounge/spa benefit by spending a minimum of ₹5,000 in any calendar month to activate the benefit for next month.

Lorem For example, if you meet the spending criteria between 1st and 31st March, the benefit will be activated for April.

Lorem Please refer to your Credit Card product webpage to view the list of eligible lounge benefits and privileges.

Lorem To avail of movie discounts, visit the BookMyShow or Paytm mobile app and use the IDFC FIRST Bank Credit Card voucher code when you purchase tickets. Please refer to the privileges section of the respective product pages for more details.

Lorem Please click here to learn how to claim your welcome benefit voucher of ₹500 on your IDFC FIRST Bank Credit Card.

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”