IDFC First Bank offers different types of unique credit cards catering to the needs of customers. One of the many benefits of an IDFC First Bank credit card is that it features no annual or processing fee. Apart from that, these cards also come with easy eligibility parameters, attractive rewards that do not expire, dynamic interest rates and much more.

With such excellent benefits, IDFC First Bank offers a sought-after option in the market of credit cards for customers. Read on to get more details regarding these credit cards.

Key Features and Benefits of IDFC First Bank Credit Cards

IDFC First Bank offers four top types of credit cards. Each of these cards has their distinct set of features and benefits. However, a few common features and benefits distributed throughout this segment are:

1. You can withdraw cash from an ATM with the IDFC FIRST credit card without being charged interest for up to 48 days. This is applicable to all IDFC FIRST Bank credit cards.
2. IDFC FIRST Bank provides credit cards with the lowest interest rates available. Starting at 0.75% per month or 9% annually, the interest rate can rise to 3.99% per month, which is comparatively lower than what the market offers.
3. Receive a gift voucher with every IDFC FIRST Bank credit card when you spend Rs.15,000 within the first 90 days of card issuance.
4. Customers also receive a 5% cashback on the first EMI transaction made with IDFC FIRST Bank credit card within the first 90 days of card issuance.
5. With your IDFC FIRST Bank credit card, you’ll get a Personal Accident Coverage of up to Rs.10 Lakhs and a complimentary Lost Card Liability Coverage of up to Rs.50,000.
6. IDFC FIRST credit cards include free Roadside Assistance costing Rs.1,399.

Types of IDFC First Bank Credit Cards

The various types of credit cards offered by this bank, their features and benefits are mentioned below:

1. IDFC First Wealth Credit Card

With no joining fee, this credit card offers premium brand gift vouchers worth Rs.500 and 5% cashback on the first EMI transaction made within the first 90 days. It also offers:

• 10x reward points on birthday purchases
• Monthly buy one, get one free movie ticket offer
• Rounds of golf are complimentary
• Four free visits to domestic and international airport lounges

Aside from that, you also get travel insurance worth Rs.1 Crore with this card.

2. IDFC First Select Credit Card

This is the most premium card issued by IDFC First Bank. Customers with this IDFC First Bank credit card can reap the following features and benefits:

• 10x reward points on birthday purchases
• Going to domestic airport lounges are complimentary four times
• Personal Accident Coverage of Rs.2 Lakhs is provided as a courtesy
• A monthly discount of up to 25% on movie tickets

Moreover, you do not have to pay any annual membership fee. This card has a low interest rate of 0.75% – 2.99% on the outstanding balance.

3. IDFC First Millennia Credit Card

IDFC First Bank’s Millennium credit card is a reward card that offers a high reward rate on your purchases. Here are its features:

• All purchases over Rs.20,000 earn 10x reward points
• 6x reward points on online purchases
• 25% discount on movie tickets every month
• Personal Accident Insurance worth Rs.2 Lakhs

One of the most appealing aspects of this credit card is that the reward points you accumulate do not expire. Thus, you can carry them over to the following year.

4. IDFC First Classic Credit Card

This is an entry-level credit card that offers exclusive rewards and benefits on your spending. It exhibits the following features:

• 3x reward points on offline purchases
• 10x reward points on all purchases over Rs.20,000
• 25% discount on movie tickets every month
• 1% fuel surcharge is waived at all gas stations
• Four complimentary railway lounge visits every quarter

Aside from that, you get four complimentary visits to railway lounges each quarter. You will also receive insurance benefits worth up to Rs.2 Lakhs.

Steps to Apply for IDFC First Bank Credit Cards

One can follow these steps to apply for credit cards from this bank:

Step 1: Visit the official credit card page of IDFC First Bank

Step 2: Click on “Apply Now”

Step 3: Enter your name, date of birth, and Aadhaar number and click on “Get OTP”

Step 4: Choose your preferred card

Step 5: Fill in the application with necessary details and submit it

Alternatively, you may also consider looking at various credit card options at a diversified marketplace like Bajaj MARKETS. This platform offers various credit card options from leading banks, which will help you compare between different offers and make a conscious choice.

Besides, after obtaining a credit card from this bank, it is extremely critical to plan your IDFC credit card payments. For that, you can create a monthly budget plan and spend judiciously.

The benefits of an IDFC First Bank credit card are many. However, consider reading the terms and conditions beforehand to avoid unnecessary hiccups.