IDFC First Bank is a fast-growing banking body in India. In a very short span of time, IDFC First Bank has expanded substantially in India. Various types of popular financial services are provided by this bank, keeping in mind the customers. such as consumer credit facilities, mutual funds, credit or debit cards, etc.
IDFC First Bank endeavours to provide maximum benefits to its customers in the form of credit card services. You can get cashback, discounts, rewards, etc. through the IDFC First Bank Credit Card.
Additionally, the IDFC First Bank Credit Card endeavors to provide you with a host of benefits such as interest-free cash withdrawal, accident cover, discount on movie tickets, unlimited reward points without expiry, fuel surcharge waiver, etc.
IDFC First Bank Credit Card Types
IDFC First Bank offers a range of different types of credit cards, keeping in mind the needs of its customers. Customers can choose any of these credit cards as per their convenience and need
Below, we have listed some of the leading credit cards offered by IDFC First Bank.
1] IDFC First Millennium Credit Card
2] IDFC First Classic Credit Card
3] IDFC First Credit Card
4]IDFC First Wealth Credit Card
IDFC First Bank Credit Card Benefits
Following are the benefits of the IDFC First Bank Credit Card:
1] Free for life
The IDFC First Bank Credit Card comes as a lifetime free credit card, which means you do not have to pay any kind of charges like an annual fee, a renewal fee, a joining fee, etc. to use the IDFC First Bank Credit Card. It is completely free of charge. You can use the IDFC First Bank Credit Card for Lifetime Free without paying any additional charges.
2] Annual Fee and Renewal Fee
IDFC First Bank Credit Card does not require you to pay any annual fee or renewal fee, which means you can continue using your credit card without paying these charges. Thus, you can seamlessly use your IDFC First Bank Credit Card for as long as you want without any additional charges.
IDFC First Bank Credit Card offers credit card services to its customers at very low interest rates. You can continue to use the IDFC First Bank Credit Card at an interest rate of 0.75% per month or 9% per annum.
IDFC First Bank Credit Card also offers its customers the benefit of reward points. Reward points are awarded to you whenever you use your credit card. You can get unlimited reward points through this. There is no limit on earning this reward point.
Also, these reward points never expire. You can redeem your reward points whenever you want. You do not have to pay any additional fees to redeem these reward points.
5] Free Lounge Access
The IDFC First Bank Credit Card also entitles its users to complimentary lounge access. You can avail free access to airport lounges or railway lounges through this.
IDFC First Bank Credit Card also offers insurance benefits to its users. Through this, you can get personal accident insurance at no extra premium. Along with this, it also provides you insurance benefits in the form of liability cover in case of loss of the credit card.
7]Fuel Surcharge Waiver
The IDFC First Bank Credit Card also offers its customers the benefit of a fuel surcharge waiver. Through this, you can get the benefit of a 1% fuel surcharge waiver on filling up at any petrol pump located in India.
You can also enjoy entertainment benefits with the IDFC First Bank Credit Card. Through this, you can get discounts on movie tickets.
9] Welcome Benefits
IDFC First Bank Credit Card also endeavours to provide its customers with a host of benefits in the form of welcome benefits. It gives you the benefit of vouchers and reward points, which are welcome benefits.
10] Dining Offers
You can also avail dining offers through the IDFC First Bank Credit Card. You can also get up to a 20% discount on dining at IDFC First Bank’s partner restaurants.
IDFC First Bank Credit Card also offers the facility of EMI conversion to its customers. Through this, you can easily pay your big purchases in the form of monthly instalments by converting them into EMIs.
12]Health & Wellness Benefits
The IDFC First Bank Credit Card also entitles you to health and wellness benefits. Through this, if you spend on health and wellness, you are given a discount of up to 15%.
IDFC Bank Credit Card Eligibility
There are certain eligibility criteria that need to be met in order to avail an IDFC First Bank Credit Card. You can apply for an IDFC Bank credit card only if you meet the eligibility criteria laid down by IDFC Bank.
- Below we have mentioned the IDFC Bank Credit Card eligibility criteria:
1. Age :The minimum age of the applicant seeking to apply for an IDFC credit card should be 21 years old or above.
- 2. Residency and Sourcing Location: The applicant must be an Indian citizen with a current and permanent residential address within the country.
- 3. Income : The minimum net monthly income for the applicant for an IDFC credit card application should be 25,000.
- 4. Credit History : A good credit history is the essential eligibility criteria for an IDFC credit card application. Also, the applicant should not have any record of loan or past credit card payment defaults at the time of application.
Documents Required for IDFC’s First Credit Card
The documents required for the IDFC First Credit Card are as follows:
- 1. Proof of identity (any one document)pan card,
voter ID card,
2. Address Proof (Any One Document)
- Ration card,
voter ID card
3. Income Proof (Any One Document)
- Form 16,
latest salary slip,
income tax return document,
audited financial documents,
business continuity proof
- 4. Age Proof (Any One Document)
- 10th class pass certificate,
voter ID card.
IDFC Credit Card Apply
Thinking of applying for an IDFC First Bank Credit Card? We will now take you through the process of applying for an IDFC Bank Credit Card.
You can apply for an IDFC First Bank Credit Card through both online and offline modes. We have given you the process to apply for an IDFC First Bank Credit Card through both of the modes below.
1. IDFC Credit Card Apply Online
If you want to apply for IDFC First Bank Credit Card through online mode, then for this you have to visit the official website of IDFC First Bank or Apply Online
There, you have to go to the credit card section, where you will see the option to apply. As soon as you click on the option to apply, the application form related to that credit card will open in front of you, which you will have to fill out completely and submit along with the necessary documents.
After submitting the form, your application is scrutinized by the bank and if the bank is satisfied, your application is approved and a credit card is issued to you.
2. IDFC Credit Card Apply Offline
If you wish to apply for an IDFC First Bank Credit Card offline, you will need to visit your nearest IDFC First Bank branch. There, you will have to get the application form related to the credit card, fill it out completely, and submit it to the bank along with the necessary documents.
As soon as you submit your application form, your application form is scrutinized by the bank and if found correct then your application form is approved and the credit card is sent to your home address through post.