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IDFC Credit Card Apply Online: A Complete Guide

Written By Sushma Singh

IDFC First Bank is a reputed private bank and has been operating since 2015. Ever since they have surged ahead and made tech-driven banking an easy and hassle-free process for Indian citizens. For date, they have catered to approximately 7.3 billion customers. They offer a range of products like saving and current accounts, mutual funds, loans, NRI banking, credit cards, etc. So, if you are planning to get a credit card, IDFC First Bank can be a great choice. In this article, we will give full details about IDFC Credit Card apply online process. We will also cover topics like IDFC Credit Card apply online lifetime free, IDFC Credit Card eligibility, IDFC Credit Card offers and IDFC First Select Credit Card.

IDFC Credit Card Apply Online: A Complete Guide

Apply online section

When it comes to applying for a credit card, you must make sure you have all the necessary information. It is crucial to pick the card that matches your spending habits. IDFC First Bank offers many types of credit cards for all types of people. Let us learn more about IDFC First Credit Card and its types.

IDFC First Credit Card

IDFC FIRST Bank Credit Card page | IDFC Credit Card apply online

IDFC’s First credit cards are reputed among private bank credit cards for their easy application process and a plethora of privileges to choose from. They offer 4 credit cards, each with its own set of benefits and offers. With these cards, you will get lifetime validity with no fees. Other than this the rate of interest on the IDFC credit card offers is comparatively low when compared to other varieties in the market. From a classic card to a millennial-oriented card, IDFC has designed something for everyone. Other than the variety, customers can easily apply for the cards online while sitting at home. They also have responsive customer support who guide you in every step and will make sure that none of your queries are left unanswered.

Types of IDFC First Credit Cards

There are four different types of IDFC First credit cards that you can choose from based on your credit line, asked benefits, and eligibility. You can complete the early steps of the IDFC credit card application online process and choose your choice of card. We will cover IDFC First Select Credit Card and more. Let us begin.

IDFC First Wealth Credit Card

IDFC First Wealth Credit Card

The First wealth credit card is a lifetime-free, reward-packed, and low-cost card provided by IDFC.

Fees and charges Benefits Reward programs
  • Cash withdrawal with no interest and Rs. 250 flat fees
  • Zero annual fees with a lifetime membership
  • Interest rates as low as 9% to 42% annually
  • 1.5% forex markup
  • Over the limit charge of 2.5%
  • 15% late payment fee on the amount due

 

 

 

 

 

 

  • Air and personal accident coverage of Rs. 1 Crore and Rs. 10 Lakh respectively
  • Lost card coverage worth Rs. 50,000
  • 2 golf rounds every month
  • 4 airport spa and lounge visits every quarter
  • 1% fuel surcharge waiver (Rs.400 per month)
  • Discounts and offers from 300+ merchants, 1500+ restaurants, and 3000+ wellness outlets
  • Roadside assistance of Rs. 1,399

 

 

 

  • Unlimited reward program with no expiry
  • Easy to use reward points for quick payments and transactions
  • 3x and 6x reward program for expenditure worth Rs. 30,000 every month
  • 10x reward program for incremental spending more than RS. 30,000 every month and for expenses on birthday

 

 

 

 

 

IDFC First Millenia Credit Card

IDFC First Millenia Credit Card | IDFC Credit Card apply online

This card is specially designed for the millennials out there with various features and benefits.

Fees and charges Benefits Reward programs
  • Cash withdrawal with no interest and Rs. 250 flat fees.
  • Zero annual fees with a lifetime membership
  • Interest rates as low as 9% to 42% annually
  • 3.5% forex markup
  • Over the limit charge of 2.5%
  • 15% late payment fee on the amount due

 

 

 

  • Personal accident coverage of Rs. 2 Lakh respectively.
  • Lost card coverage worth Rs. 25,000.
  • 2 golf rounds every month
  • 4 railway lounges visit every quarter
  • 1% fuel surcharge waiver (Rs.200 per month)
  • Discounts and offers from 300+ merchants, 1500+ restaurants, and 3000+ wellness outlets
  • Roadside assistance of Rs. 1,399

 

  • Unlimited reward program with no expiry
  • Easy to use reward points for quick payments and transactions
  • 3x and 6x reward program for expenditure worth Rs. 20,000 every month
  • 10x reward program for incremental spending more than RS. 20,000 every month and for expenses on birthday

 

 

IDFC First Classic Credit Card

IDFC First Classic Credit Card

This is a practical card made for those who are looking for a good balance between benefits and the rate of interest to be paid.

Fees and charges Benefits Reward programs
  • Cash withdrawal with no interest and Rs. 250 flat fees.
  • Zero annual fees with a lifetime membership
  • Interest rates as low as 9% to 42% annually
  • 3.5% forex markup
  • Over the limit charge of 2.5%
  • 15% late payment fee on the amount due

 

 

 

  • Personal accident coverage of Rs. 2 Lakh respectively.
  • Lost card coverage worth Rs. 25,000.
  • 2 golf rounds every month
  • 4 railway lounges visit every quarter
  • 1% fuel surcharge waiver (Rs.200 per month)
  • Discounts and offers from 300+ merchants, 1500+ restaurants, and 3000+ wellness outlets
  • Roadside assistance of Rs. 1,399

 

  • Unlimited reward program with no expiry
  • Easy to use reward points for quick payments and transactions
  • 3x and 6x reward program for expenditure worth Rs. 20,000 every month
  • 10x reward program for incremental spending more than RS. 20,000 every month and for expenses on birthday

 

 

IDFC First Select Credit Card

IDFC First Select Credit Card | IDFC Credit Card apply online

IDFC First Select Credit Card is a superior card that is both classic and has better privileges and benefits to reap. Here is some more information about IDFC First Select Credit Card. You can check out more info about this card here.

Fees and charges Benefits Reward programs
  • Cash withdrawal with no interest and Rs. 250 flat fees.
  • Zero annual fees with a lifetime membership
  • Interest rates as low as 0.75% to 3.5% monthly
  • 1.99% forex markup
  • Over the limit charge of 2.5%
  • 15% late payment fee on the amount due
  • Cash advance fee of Rs. 250 on both domestic and international transactions

 

 

 

 

 

  • Personal accident coverage of Rs. 5 Lakh respectively
  • Air accident coverage of Rs. 1 Crore.
  • Lost card coverage worth Rs. 50, 000
  • 2 golf rounds every month
  • 4 railway lounges visit every quarter
  • 4 domestic airport lounges visit every quarter
  • 1% fuel surcharge waiver (Rs.300 per month)
  • Discounts and offers from 300+ merchants, 1500+ restaurants, and 3000+ wellness outlets
  • Roadside assistance of Rs. 1,399
  • Travel insurance coverage worth Rs. 22, 500
  • Reward program with lifetime validity
  • 3x and 6x reward program for expenditure worth Rs. 25,000 every month
  • 10x reward program for incremental spending more than RS. 25,000 every month and for expenses on birthday

 

 

 

 

 

 

 

 

Also Read: Federal Bank Credit Card Apply Process

IDFC Credit Card Offers & Benefits

Interest rate section

Following are the benefits that can be reaped by the credit card owners after they complete the IDFC credit card apply online steps:

EMI Benefits

There are multiple EMI benefits for IDFC credit card holders. You will get a 5 percent cash back for the first EMI transaction on the card within 3 months of the issue date. You can easily convert your transactions above Rs. 2,500 to EMIs through various methods. Conversion can be done that various points like:

  • Convert offline at select merchants’ point of sale terminals
  • Convert online at the online transactions OTP page of the bank.
  • During or after the purchase
  • Use mobile application
  • Call 18605001111

IDFC credit card allows the EMI repayment duration of up to 36 months with an interest rate of 1%.

Easy Loan Benefits

You can easily avail yourself of a quick loan using your IDFC credit card loan feature. This will help curb your sudden cash crunch without much hassle involved.

Balance Transfer

If you have an outstanding balance on your other credit cards, then it can be now transferred to your IDFC First credit card easily. The IDFC credit card offers a comparatively low rate of interest and the process is super easy and fast.

Low Rate Of Interest Rate

IDFC First credit card annual interest rate starts as low as 9% and this can go up to 42%. The lowest monthly rate of interest charged on credit card expenses and withdrawals is 0.75% which can go up to 3.5%.

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0% Interest On Withdrawals

You can withdraw cash from ATM using your IDFC credit card with 0% interest till the due date. Also, the flat transaction fee is as low as Rs. 250 only.

Family Benefits

You can share your credit line with other members of the family by gifting them their cards. This benefit applies to spouses, children, parents, and siblings. You can also bring together all the expenses on the different cards into one account to be eligible for 10x rewards.

Zero Annual And Joining Fee

Unlike, other credit cards, you will not be charged any joining fee or an annual fee with an IDFC credit card. Also, you get an IDFC credit card apply online lifetime free offer with every card.

IDFC Credit Card Rewards

Rewards section | IDFC Credit Card apply online

Rewards that you can access with IDFC First Credit Card are:

  • Zero-Fee Reward Redemption: Most credit cards tend to ask for a reward redemption fee so that you can use the loyalty rewards and offers. IDFC card does not ask for any redemption fee and you can access your rewards for Rs. 0.
  • Reward Points: With time you will be awarded reward points which you can use varyingly. You can use the points to make online transactions instantly, or you can make offline payments using your credit card. One thing to keep in mind is that these rewards points are usable at only select offline merchants. You can also use your reward points for buying membership and gift cards from select brands.
  • Forever Reward Points: You can earn 6x reward points for online purchases and 3x for offline spending. Also, if your expenditure on the card is more than Rs. 20,000 per month then the reward points earned will be 10x. property management transactions even if more than Rs. 20,000 will not be part of the 10x reward program. EMI transactions, fuel, cash withdrawals, and insurance payments are not part of the reward program.

IDFC Credit Card Eligibility Criteria

Brainstorming over paper
Photo by Scott Graham on Unsplash

All the cards offered by IDFC First Bank have multiple privileges, rewards, and benefits that you can enjoy. however, these cards have eligibility criteria that you need to pass to be able to apply for them. Following are the IDFC credit card eligibility criteria to be kept in mind before applying online:

  • Indian Resident And Citizen: The applicant of the credit card must be an Indian citizen and should have their permanent or current address within the Indian subcontinent. Also, there is a list of locations mentioned by the bank that are eligible for the IDFC credit card.
  • Age: As per the credit card policy, the applicant must of 21 years of age or above.
  • Income Eligibility: Different cards have different income eligibility. However, an applicant must have a net income of Rs. 25,000 per month to be eligible for an IDFC credit card.
  • Credit History: A person with no default and bad credit history is the only one who is eligible for a credit card. As per the internal policy, the bank holds the right to not move forward with any application if there are discrepancies in the credit report.

Also Read: CRED Credit Card Apply Process Explained

IDFC Credit Card Apply Online Process

Person typing | IDFC Credit Card apply online
Photo by Christin Hume on Unsplash

After learning about IDFC Credit Card eligibility criteria, let us learn how you can apply for their card. Following are the steps that you need to follow to apply for your IDFC credit card apply online procedure:

1. You need to first visit the official website of IDFC First Bank.

2. Click on Cards option at the top of the page.

Cards option

3. Select the card you want to apply for. For instance, we have selected First Select Credit card.

First select credit card option

4. On the card page, click on Apply Now option.

Apply Now option | IDFC Credit Card apply online

5. Next, fill in your name as per your Aadhar card along with your date of birth and mobile number. Then click on the Get OTP option.

Get OTP option

6. When you fill in the OTP and agree to the terms and conditions, you will be asked to fill in your PAN number, gender, address, and PIN code. Fill in the details and click on the Proceed option to move further in your IDFC credit card application online process.

7. You will now be asked for the following documents.

  • ID proof
  • Income proof (salary slip, IT returns documents, bank statements, etc.)
  • Address proof (ration card, passport, telephone or electricity bill, etc.)
  • Passport-sized photograph for uploading

8. Fill in the required details and complete the application and then click on Submit option. Now you will have to wait for the application to get approved, after which it will be delivered to your address.

IDFC credit card offers a great choice for you if you like reward programs, benefits and less rate of interest to be paid on your expenses. We hope you now understand the complete IDFC Credit Card apply online process. You are now also well aware of IDFC Credit Card apply online lifetime free, IDFC Credit Card eligibility, IDFC Credit Card offers and IDFC First Select Credit Card.

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Sushma is a full-time blogger and financial expert. Join Sushma and 10,000 monthly readers here to learn how to save and invest your money wisely.

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