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A brand-new experience - smarter, faster, and secured
Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
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Enjoy Zero Charges on All Commonly Used Savings Account Services
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- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
Quick Cash: Instant Loan on your
Credit Card
Get extra funds instantly with no paperwork, flexible
tenures, and attractive interest rates.
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No documentation
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Interest rate starting 1% p.m.*
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Flexible repayment tenures
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No impact on your credit limit with Quick Cash Max**
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No documentation
-
Interest rate starting 1% p.m.*
-
Flexible repayment tenures
-
No impact on your credit limit with Quick Cash Max**
Why Choose Quick Cash?
Whether it’s a family celebration, a much-awaited holiday, or an urgent financial need, IDFC FIRST Bank’s Quick Cash gives you an instant personal loan, with zero paperwork and flexible repayment options.
It is a smart way to unlock instant liquidity using your credit card, without the hassle of documentation or lengthy approvals.
Key Benefits of Quick Cash
- Instant loan without any paperwork
Apply in a few taps and get funds directly in your account. - Attractive interest rates starting at just 1% per month*
Enjoy competitive rates based on your eligibility. - Flexible repayment tenure
Choose from 3 to 48 months to suit your financial plan. - No impact on your credit limit with Quick Cash Max**
Continue using your credit card while enjoying the loan benefit.
*Interest rate at Bank’s discretion | **Applicable for Quick Cash Max only
Who Can Avail Quick Cash?
- IDFC FIRST Bank Credit Cardholders with eligible limits.
- Customers seeking an instant loan without documentation
- Individuals looking for short-term or long-term credit at competitive rates
Not an existing IDFC FIRST Bank Credit Cardholder?
Frequently Asked Questions
What is Quick Cash on IDFC FIRST Bank Credit Card?
Quick Cash on IDFC FIRST Bank Credit Card is a pre-approved personal loan offered to eligible IDFC FIRST Bank Credit Cardholder.
What are the minimum and maximum Quick Cash amounts?
You can avail Quick Cash Max ranging from Rs 5,000 to 5,00,000 depending on your eligibility, income and repayment capacity.
What are the Quick Cash tenure options?
Quick Cash can be repaid over a period of 3 to 48 months (3,6,9,12, 18,24,36,48)
Will there be any effect on my credit limit?
For Quick Cash, the loan amount will be blocked from your credit limit. Every month once the EMI payment is received, the credit limit equal to the principal repayment of your EMI will be released from the blocked limit.
For Quick Cash Max, amount you avail will not impact your Credit Card limit. This loan is offered over and above your Credit Card Limit. However, the Processing Fee, monthly EMI, and Foreclosure fee (if applicable) along with GST will be billed to your regular Credit Card account and the limit will be blocked to that extent.
Are there any additional charges?
A processing fee of 2% (plus GST) of the loan amount will be charged.
How much time will it take for my Quick Cash application to be approved?
This is a pre-approved offering and funds will be disbursed to your Savings account instantly. In case of any technical failures, we will transfer the funds within 4 working days.
Do I have to provide any security, collateral or guarantors?
No security, collateral or guarantors is required for availing Quick Cash Max.
How do I repay the loan?
Monthly EMI and other charges will be billed along with your monthly Credit Card statement and the payment needs to be made against your Credit Card within the mentioned due date.
Can I prepay my Quick Cash amount?
You can pre-pay your outstanding balance with pre-closure charges of 3% (plus GST).
Do I need to open a savings account with IDFC FIRST Bank for availing and/or servicing the loan?
We will encourage you to start a banking relationship with us so that we will be able to offer a host of other value-added services, however opening an account with us is not mandatory for availing Quick Cash.
Will I get additional reward points for EMI payment?
Quick Cash transactions are not eligible for Reward Points.
Where can I avail Quick Cash on IDFC FIRST Bank Credit Card?
You can avail Quick Cash on IDFC FIRST Bank Credit Card through IDFC FIRST Bank App or by reaching out to our Customer Care (1800 10 888).
What details do I have to provide to avail Quick Cash?
If a customer has a savings account with IDFC FIRST Bank, then the customer only needs to select the account in which the customer wants to avail the Quick Cash amount.
In case customer does not hold an IDFC FIRST Bank savings account, customer will have to provide savings account number (registered under his/her name) along with IFSC Code of the other bank in which customer is willing to transfer the Quick Cash Amount.
