Are You Looking for Credit Cards with Minimum Charges & Exclusive Features? IDFC First Bank Credit Card Can Be Your Ideal Choice!

In today’s world, credit cards have become one of the most valuable and in-demand plastic money people love to use. Seeing such a trend, many financial lenders have been issuing credit cards of various types that can at least match every individual’s need. With so many credit cards option in the market, beginners usually look for a credit card that offers the best offers with minimum charges. For such demands, IDFC First Bank Credit Cards has secured the first position in the race.

IDFC First Bank has tailored its credit cards to suit everyone’s needs. Their credit cards come with no or very minimal charges and, in return, offer exclusive benefits. There is a wide range of IDFC First Bank credit cards, so you can choose one according to your wish and demand. We have curated this blog to help you select the best IDFC First Bank Credit Card. So, stay tuned with us till the end to uncover every detail! 

An Overview: IDFC First Bank Credit Cards

The majority of Indians simply know that IDFC First Bank only provides different kinds of loans. However, it has recently introduced many credit card types for which you can submit online applications. To your surprise, your reward points will be increased by 10X with these credit cards. 

Also, the interest rate on credit cards is just 9% which is very low compared to the others. There is no annual or joining charge for the card, and you can use the credit card at ATMs to withdraw money without paying interest. There are a total of 5 credit cards that the IDFC First Bank issues. 

The top 5 IDFC First Bank Credit Cards

Listed below are the best 5 credit cards offered by the IDFC First Bank. You can compare the credit cards and choose the one that suits your needs.

1. IDFC First Wealth Credit Card

• 10x reward points on birthday spends.

• Buy one get one movie ticket offer every month.

• Complimentary rounds of golf.

• 4 complimentary visits to both domestic and international airport lounges.
  
  

2. IDFC First Millennia Credit Card

• 10x reward points on all spends above Rs.20,000.

• 6x reward points on spending online.

• 25% discount on movie tickets every month.

• Get Personal Accident Cover of Rs.2 lakh.
  
  

3. IDFC First Classic Credit Card

• Get 3x reward points on offline spends.

• 25% discount on movie tickets every month.

• Fuel surcharge waiver of 1% at all fuel stations.

• 4 complimentary railway lounge visits per quarter.

• 25% discount on movie tickets every month.
  
  

4. IDFC First Select Credit Card

• Buy one, get one offer on movie tickets up to ₹250 on Paytm mobile app (valid twice per month)

• 300+ Merchant offers, All year long. (Up to 20% discount at 1500+ restaurants)

• Up to 15% discount at 3000+ Health & Wellness outlets.

• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹300/month

• Air Accident Cover of  ₹1crore.
  
  

5. IDFC First WOW Credit Card

• 4x Rewards on your every spends and 6% interest p.a.* on FD.

• Travel the world with the best-in-class zero Forex Mark-up fee.

• Soar higher with best-in-class 100% cash withdrawal of your FD value while enjoying uninterrupted interest on the same.

• Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000.

Key Benefits of IDFC First Bank Credit Card

Listed below are the key benefits of IDFC First Bank Credit Cards:

• Interest free-cash withdrawal: With the IDFC FIRST credit card, you can use an ATM to withdraw money without paying interest for up to 48 days. This is applicable to all IDFC FIRST Bank credit cards.

• Lower interest rates: IDFC FIRST Bank boasts that the interest rates on its credit cards are among the lowest. The interest rate can increase to 3.99% per month from 0.75% per month, or 9% yearly, which is lower than many other credit cards issued by other banks.

• Bonuses: Each IDFC FIRST Bank credit card comes with welcome benefits, including a gift voucher when you spend Rs. 15,000 during the first 90 days of receiving the card.

• Cashback benefits: Within the first 90 days of receiving your credit card, IDFC FIRST Bank will give you 5% cash back on your first EMI transaction.

• Insurance benefits:  With your IFDC FIRST Bank credit card, you can receive a Personal Accident Cover of up to Rs. 10 lakh and a free Lost Card Liability Cover of up to Rs. 50,000.

• Vehicle benefits: IDFC FIRST credit cards provide a free Roadside Assistance package worth Rs. 1,399.

Documents required & eligibility 

You need to keep the following documents handy while applying for an IDFC First Bank Credit Card:

• Proof of Identity: Aadhar Card, PAN Card, Voter ID, Driving Licence, Passport

• Proof of address: Aadhar Card, Passport, Voter ID, Driving Licence, Utility bills. Municipal or property tax receipt, Rent agreement, House allotment letter issued by central or state government

• Proof of income: For self-employed individuals – Later ITR (Income Tax Return) and For salaried employees – salary slip of last two months & bank statement showing salary credits.

To get the IDFC First Credit Card, the applicant must be 21 years or above and must be a salaried individual.

How to apply for an IDFC First Credit Card online?

Follow the below steps to apply for an IDFC First Credit Card online:

Step 1: To finish up the online application, you can apply through net banking.

Step 2: To apply via net banking, visit https://www.idfcfirstbank.com/credit-card

Step 3: Click on “Apply for a new credit card”

Step 4: Select the card, and complete all the required formalities.

Key Takeaways

Till now, you must have understood how amazing and worth considering are the IDFC First Bank Credit Cards. These credit cards are the best as they don’t have any annual fees and come with a very low-interest rate. So, visit the official website of IDFC First Bank and apply for a credit card now, or you can also easily apply for the same through ReferLoan’s Website!