Card Control
Reward Redemption – Credit Card – IDFC FIRST Bank
Earn 500 bonus reward points on Activation + Rs. 5000/- spend in the first 45 days of card setup. Earn 2 Reward point against every Rs. 100/- of online.
Card Control
Reward Redemption – Credit Card – IDFC FIRST Bank
Earn 500 bonus reward points on Activation + Rs. 5000/- spend in the first 45 days of card setup. Earn 2 Reward point against every Rs. 100/- of online.
Register Now – IDFC FIRST Bank Credit card
Enter your 16 digit IDFC FIRST Bank Credit number your name as it appears on IDFC FIRST Bank credit card expiry month & year as mentioned on IDFC FIRST Bank Credit card 3 digit…
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Enter your 16 digit IDFC FIRST Bank Credit number your name as it appears on IDFC FIRST Bank credit card expiry month & year as mentioned on IDFC FIRST Bank Credit card 3 digit…
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Credit Card FAQs
A credit card offers a host of benefits, including but not limited to cashback, reward points, travel and lifestyle perks, dining discounts, fuel surcharge waivers, and EMI conversion options.
By choosing an IDFC FIRST Bank Credit Card, you gain access to exclusive benefits such as complimentary airport lounge access, attractive rewards that never expire, low-interest rates starting at just 0.75% per month, and insurance covers such as personal accident cover, air accident cover, and more depending on the card you opt for. This ensures a well-rounded financial experience.
Also read: Top 10 Benefits and Uses of Credit Car
You can redeem your IDFC FIRST Bank Credit Card reward points in the following ways:
- Visit Rewards website
- On Net banking/Mobile Banking go to “Reward redemption” section
- Select “Pay with Reward points” for online purchases on the OTP page at time of making the transaction
- 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
Yes, one of the most rewarding features of your IDFC FIRST Bank Credit Card is that the reward points never expire. You can earn up to 10X rewards on incremental spends over ₹20,000 and on your birthday, depending on the card, and redeem them whenever you like. This ensures you can accumulate points over time and redeem them for high-value items, gift cards, travel vouchers, or cashback deals as per your convenience.
IDFC FIRST Bank Credit Cards offer accelerated rewards on specific categories, on events such as birthdays, and when meeting the monthly threshold spending of ₹20,000 or more. 10X rewards imply earning 10 times the regular reward points on eligible spends. The calculation is as follows:
- • Regular spend: 1 reward point per ₹150 spent.
- • 10X category: 10 reward points per ₹150 spent.
IDFC FIRST Bank Credit Cards offer reward points that do not expire, allowing you to accumulate and redeem them at your convenience. This feature provides flexibility and maximises the value of your rewards over time.
By following these best practices, you can make the most of your IDFC FIRST Bank Credit Card benefits.
Dos:
- Always pay your bills in full and on time.
- Monitor your credit card statements monthly.
- Use credit responsibly and stay within the credit limit.
- Redeem your reward points before expiry (where applicable).
- Report lost or stolen cards immediately.
Don’ts:
- Don’t withdraw cash unless necessary.
- Avoid only paying the minimum due.
- Don’t exceed your credit limit frequently.
- Avoid sharing your card details.
To learn more about smart credit card usage, click here.
Yes, you can use your IDFC FIRST Bank Credit Card for international transactions. To do so, ensure that international usage is activated via the IDFC FIRST Bank mobile app or internet banking. Once activated, you may use your card for purchases abroad or on international websites. Be mindful of foreign exchange mark-up fees that may apply.
We offer an international credit card with zero forex markup called FIRST WOW! Its an secured credit card to be availed against fixed deposit.
IDFC FIRST Bank Credit Cards offer competitive and dynamic Annual Percentage Rates (APR) starting at just 9% per annum or 0.75% per month. The APR varies based on your credit profile and repayment history. Responsible usage and timely payments can help you enjoy lower interest rates on your card.
APR, or Annual Percentage Rate, represents the annualised interest rate charged on outstanding credit card balances. It includes the interest rate and any associated fees, providing a comprehensive view of borrowing costs. IDFC FIRST Bank Credit Cards offer competitive APRs, which vary based on your credit profile and repayment history.
IDFC FIRST Bank Credit Card holders can enjoy exclusive movie ticket benefits. To avail:
- Book tickets through partnered platforms as specified by the bank.
- Use your IDFC FIRST Bank Credit Card for payment.
- The discount will be automatically applied at checkout, subject to terms and conditions.
Regularly check the bank's official website or mobile app for ongoing offers and participating platforms.
IDFC FIRST Bank Credit Cards like Mayura, Ashva and FIRST Wealth offer complimentary access to Indian and Global airport lounges.
- Present your credit card at participating Indian lounges.
- Present your DreamFolks card to gain access at participating global lounges. Some global lounges require pre-booking via https://webaccess.dreamfolks.in
- Access is subject to usage limits and terms specified by the bank.
Upon activation and usage of your new IDFC FIRST Bank Credit Card, welcome benefits are credited automatically. To ensure you receive them:
- Complete the required number of transactions within the stipulated time frame.
- Monitor your reward points or benefits section via the mobile app or internet banking.
- Contact customer care if benefits are not reflected.
Refer to the welcome offer terms provided at the time of card issuance for specific details.
To learn more, click here.
Several IDFC FIRST Bank Credit Cards provide complimentary domestic and international airport lounge access, including a range of travel benefits. For instance, the IDFC FIRST Bank Metal Credit Cards like Ashva and Mayura, FIRST Wealth, and FIRST Select Credit Cards offer multiple lounge visits annually, making your travel experience more comfortable and luxurious.
These cards not only offer free lounge visits but also come with travel insurance and a range of shopping, lifestyle, and travel privileges.
Learn about Airport Lounge Access and Railway Lounge Access benefits offered by IDFC FIRST Bank
The IDFC FIRST Bank Ashva, Mayura and FIRST Wealth Credit Cards offer complimentary access to Indian and global airports lounges, access to railway lounges at select locations in India. Among others, the FIRST Select Cards offer access to airport lounges. These are some of the best options for lounge access as they offer multiple entries every quarter:
• Ashva Credit Card: 4 complimentary visits to Indian airport lounges, 2 complimentary visits to global airport lounges, and 4 complimentary railway lounge visits every quarter.
• Mayura Credit Card: 4 complimentary visits to Indian airport lounges including 1 guest visit, 4 complimentary visits to global airport lounges, and 4 complimentary railway lounge visits every quarter.
• FIRST Wealth Credit Card: 2 complimentary visits to Indian airport lounges, 2 complimentary visits to global airport lounges, and 4 complimentary railway lounge visits every quarter.
• FIRST Select Credit Card: 2 complimentary visits to domestic airport lounges and 4 railway lounge visits every quarter.
When you use your Credit Card to make a payment, the issuing bank pays the amount to the merchant on your behalf. You then must pay the amount by the due date specified in your statement. If the total outstanding amount is paid before the due date, no interest will be charged.
With IDFC FIRST Bank Credit Cards, you also enjoy an interest-free period of up to 45 days, subject to terms and conditions. The card helps you manage your cash flow efficiently while earning reward points and cashback offers on eligible spends.
Understand how credit card functions in detail with us.
You can generate or reset your IDFC FIRST Bank Credit Card PIN by:
- Logging in to the IDFC FIRST Bank mobile app or internet banking.
- Then, navigate to the credit card section and selecting ‘Set/Reset PIN’.
- Enter the OTP sent to your registered mobile number.
Alternatively, you may also use any IDFC FIRST Bank ATM to generate your PIN securely.
IDFC FIRST Bank issues contactless credit cards equipped with Near Field Communication (NFC) technology. This allows you to make secure payments by simply tapping your card at contactless-enabled POS terminals, enhancing convenience and reducing transaction time.
To manage transaction settings:
- Mobile app: Go to 'Manage Cards' and toggle ‘online’ or ‘POS’ transaction settings.
- Internet banking:. Access 'Credit Cards' and adjust transaction preferences.
- Customer care: Call the helpline to request changes.
For security reasons, the CVV number is not stored or retrievable without the physical card. If you've misplaced your card, it's advisable to block it immediately and request a replacement through the mobile app, internet banking, or customer care.
Currently, purchases above ₹2,500 or more made using an IDFC FIRST Bank Credit Card can be converted into EMIs. These include:
- Retail transactions (both online and offline).
- • Electronics, travel bookings, insurance, and more.
Cash withdrawals or rent payments are usually excluded. You can convert eligible transactions into EMIs within a specific period, often up to 30 days from the purchase date.
To learn more about credit card EMI payments, click here.
While there are no specific eligibility requirements to apply for an instant loan through your IDFC FIRST Bank Credit Card, the loan approval usually depends on:
- • Your transaction history and repayment behaviour.
- • Your available credit limit.
- • Internal risk assessment by the bank.
Eligible customers will see a pre-approved loan offer in their mobile app or net banking, which can be instantly availed without paperwork.
Yes, EMI conversions on your IDFC FIRST Bank Credit Card includes:
- A one-time processing fee (depending on tenure and transaction value).
- Interest rates based on your tenure selection.
However, IDFC FIRST Bank often offers no-cost EMI options on select partner brands and merchants, which can be a cost-effective financing solution.
You can convert eligible transactions of ₹2,500 and above into EMIs through:
- Mobile app: Open your IDFC FIRST Bank mobile app and tap on the credit card option. Later, select the transaction and choose 'Convert to EMI'.
- Internet banking: Log in to your net banking account and navigate to the 'Credit Cards' section and opt for 'EMI Conversion'.
- Customer care: Call the helpline and request EMI conversion.
Ensure the transaction meets the minimum amount criteria and is within the eligible conversion period.
Yes, you can apply for one or more add-on cards with your IDFC FIRST Bank Credit Card. These cards can be issued to your immediate family members such as parents, spouse, or children above 18 years. You can easily apply online for an add-on card through the IDFC FIRST Bank mobile app or net banking.
Add-on cards share the same credit limit and offer most benefits of the primary card. The application can be submitted online through your banking profile.
Yes, existing cardholders can apply for an additional IDFC FIRST Bank Credit Card, subject to eligibility criteria and credit assessment. Having multiple cards allows you to leverage different benefits tailored to various spending habits.
A Credit Card statement is a detailed monthly summary showing your credit card activities, including purchases, payments, fees, interest charges, reward summary, and the outstanding balance. It provides the due date for payment and the minimum amount due.
An IDFC FIRST Bank Credit Card statement can be accessed easily through email, internet banking, or the mobile banking app. Reviewing your statement regularly helps you stay informed about your spending habits and enables prompt repayments.
The outstanding balance on a credit card refers to the total amount you owe to the bank. It includes purchases, fees, interest charges, and any unpaid balances from previous months.
If you hold a credit card, it is advisable to clear your outstanding balance in full before the due date to avoid interest charges and maintain a good credit score. IDFC FIRST Bank also offers multiple convenient payment options for clearing your dues without any hassle.
You can view your IDFC FIRST Bank Credit Card statement through multiple convenient channels:
Mobile Banking app/Net Banking:
- Internet banking: Log-in to the net banking portal and navigate to the credit cards section. You can view or download your statement from here.
- Mobile banking app: Open the IDFC FIRST Bank mobile app and choose the ‘Credit Card’ option on the dashboard. You can view or download your statement as per your requirement.
- Email: Monthly statements are mailed to your registered email-ID.
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