IDFC First bank offers a variety of credit card options from secured cards or FD cards like IDFC Wow credit cards to credit cards with premium benefits such as IDFC First Select Credit Card. Check IDFC credit card features, benefits, fees, charges & exclusive offers to make an informed decision.
Compare the best IDFC credit cards for your needs like the IDFC First Lifetime Free credit card (IDFC First Millennia credit card), IDFC Rupay credit cards for credit card UPI payments, forex & travel cards, premium & ultra premium cards. Whether you're looking for cashback, reward points, or special offers, IDFC Bank Credit Cards provide an ideal blend of features to enhance your financial experience.
IDFC Credit card Benefits and features, and eligibility are open to a wide range of users. For movie buffs, travellers, Millenials and even those accustomed to a luxurious lifestyle, IDFC multiples the benefit of using its credit card.
Finzy offers a range of loan features that make it an attractive option for borrowers. Here are the key highlights, summarized in a table:
Card Name | Category |
---|---|
IDFC First Classic Credit Card | Reward Points |
Club Vistara IDFC FIRST Credit Card | Travel & Lifestyle Rewards |
IDFC Select First Credit Card | Premium |
IDFC FIRST Wealth Credit Card | Premium & Travel |
Fuel, Travel & Reward Points | Fuel, Travel & Reward Points |
IDFC FIRST Millennia Credit Card | Reward Points |
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Check the best credit card offers for your needs!
Get exclusive gift vouchers and rewards upon your EMI transactions and credit card purchases of IDFC Select First Credit Card
Whether you’re a frequent traveller, a millennial looking to save on everyday expenses, or someone looking for premium privileges, there’s a card for you. Designed for high-net-worth individuals, this card offers:
Designed for high-net-worth individuals, this card offers premium privileges such as concierge services, exclusive rewards on luxury spending, and a higher credit limit. Perfect for everyday spenders, this card provides:
This card caters to millennials, offering cashback on routine spending categories like dining, online shopping, and utility bill payments, along with flexible repayment options.
Designed for millennials, offering:
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Unlike many credit cards that charge hefty fees for exceeding your credit limit, IDFC Bank Credit Cards do not impose any over-limit charges, making your credit usage worry-free.
Card Name | Annual Fees | Joining Fees |
---|---|---|
IDFC FIRST Classic Credit Card | Lifetime Free | Nil |
Club Vistara IDFC FIRST Credit Card | ₹4,999 + taxes | ₹4,999 + taxes |
IDFC FIRST Select Credit Card | Lifetime Free | Nil |
IDFC FIRST Wealth Credit Card | Lifetime Free | Nil |
IDFC FIRST Power+ Credit Card | Lifetime Free | Nil |
IDFC FIRST Millennia Credit Card | Lifetime Free | Nil |
IDFC FIRST Credit Card for Lounge Access | Lifetime Free | Nil |
IDFC FIRST Lifetime Free Credit Card | Lifetime Free | Nil |
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Note: The interest rates are subject to change based on the creditworthiness of the applicant.Card Name | Other Key Charges |
---|---|
IDFC FIRST Classic Credit Card | Nil |
Club Vistara IDFC FIRST Credit Card | Reward points on Vistara flights, complimentary lounge access, and no fuel surcharge. |
IDFC FIRST Select Credit Card | Complimentary airport lounge access |
IDFC FIRST Wealth Credit Card | Unlimited lounge access, no over-limit fees, no charges on cash withdrawals, and concierge services. |
IDFC FIRST Power+ Credit Card | 6.5% cashback on fuel, 5% cashback on grocery and utilities, no charges on EMI conversion. |
IDFC FIRST Millennia Credit Card | Up to 20% off on dining, free airport lounge access, 0 joining and annual fees. |
IDFC FIRST Credit Card for Lounge Access | Complimentary access to airport lounges, low interest rates |
IDFC FIRST Lifetime Free Credit Card | competitive rewards, and exclusive offers on shopping, dining, and entertainment. |
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Note: Concierge services are customized services designed to meet a wide range of services such as travel dining and events.
Attractive Interest Rates
Enjoy lower interest rates starting at 0.75% per month, making managing your outstanding balances easier. This is significantly more attractive compared to many other competitors in the market.
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The IDFC FIRST Bank Credit Card offers exclusive lounge access benefits for frequent travellers. With complimentary access to airport lounges across India, you can enjoy a luxurious experience while waiting for your flights. Lounge access includes amenities like free Wi-Fi, comfortable seating, and refreshments, making your travel more comfortable and relaxing.
Whether you're travelling for business or leisure, the lounge access feature adds value to your journey with convenience and comfort.
The IDFC FIRST Bank Lifetime Free Credit Card comes with zero annual fees and zero joining fees, ensuring that you enjoy financial freedom without the burden of yearly charges. This card offers a wide range of benefits, including competitive rewards, cashback offers, and discounts on dining, shopping, fuel, and more.
Additionally, you can take advantage of features like low interest rates, easy EMI options, and flexible payment options. It's the perfect credit card for those seeking value with no hidden costs.
IDFC Bank Credit Cards offer unmatched convenience, rewards, and flexibility, making them a top choice for anyone looking for a smarter financial tool. Apply today to open a world of benefits!
Not sure of your credit score? Check it out for free now!
To apply for an IDFC Bank Credit Card, you need to meet the following eligibility requirements:
Applying for an IDFC Bank Credit Card is simple and can be done online or by visiting the nearest branch. Here's a step-by-step process to apply:
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IDFC Bank Credit Cards are among the best options for customers seeking value for money. The cards are not only fee-free but also come with a host of benefits designed to fit a variety of lifestyles.
Do you need an emergency loan?
The credit limit on your IDFC Bank Credit Card is based on several factors, including your income, credit score, and overall financial profile. You will be informed of your credit limit when your card is issued.
You can request a credit limit increase by contacting IDFC Bank’s customer service. The bank will review your request based on your card usage, payment history, and financial status.
Yes, IDFC Bank Credit Cards can be used for international transactions. Ensure that your card is enabled for international usage by contacting customer service before you travel.
You can redeem your reward points through the IDFC Bank rewards portal. Points can be redeemed for travel, shopping vouchers, or used as cashback to offset your outstanding credit card balance.
Immediately report the loss or theft of your credit card by calling IDFC Bank customer service. They will block the card to prevent unauthorised transactions and issue a replacement.
You can block or unblock your IDFC Bank Credit Card through the mobile app, online banking portal, or by contacting customer service.
IDFC Bank Credit Cards are lifetime free, meaning no joining or annual fees. However, depending on usage, interest charges, late payment fees, and foreign transaction fees may apply.
Yes, the reward points on IDFC Bank Credit Cards typically have an expiry period. You can check the validity of your points through the rewards portal or mobile app.
There is no limit on the number of transactions you can make, as long as you remain within your credit limit.
You can withdraw cash from ATMs using your IDFC Bank Credit Card. Interest-free cash withdrawals are available for up to 48 days, but beyond that, interest rates may apply.
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