Login to Internet banking
A brand-new experience - smarter, faster, and secured
Introducing the First-in-industry IDFC FIRST Bank's Super Account
Request a Callback
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.
Know More
Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
Know More
Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
Know More
A Card that Powers your Savings & Lifestyle
IDFC FIRST Bank HPCL Credit Card
Most Searched
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account Now
Download our app
Get instant help for all your queries in one place
Explore Personal
-
Accounts
Tools & Calculators
Privilege Program
- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
A credit card for everyone
Apply for a credit card in 5 mins and get instant approval. Credit score not mandatory.
Travel more. Pay less.
Airport lounge access, low forex, and rewards on flights and hotel stays.
Your first credit card, made easy.
Build your credit score with UPI spends, rewards, and everyday offers.
Save more on everyday spends.
Get better value on daily swipes with rewards, instant discounts, and brand offers.
Privileges to match your lifestyle.
Avail higher credit limits, luxury benefits, concierge services, and accelerated rewards.
Manage business, the smart way.
Flexible spending, high transaction limits, UPI for business, and rewards on every spend.
Explore our range of credit cards
In the spotlight
Our recently launched credit cards designed for your lifestyle.
Business MaxNewly launched
Business MultiplierNewly launched
Hello CashbackNewly launched
Diamond ReserveNewly launched
WOW! BlackNewly launched
Gaj:Newly launched
Gaj:Newly launched
- An invite-only metal card offering elevated travel and lifestyle privileges
Travel Credit Cards
Travel in comfort with airport lounge access, booking discounts and more.
Ashva
- Low Forex markup
- Airport lounge access: 4 domestic & 2 international/ per quarter
- Up to 60X Never Expiring Reward Points
Mayura
- Zero Forex markup
- Airport lounge access: 4 domestic & 4 international/ per quarter
- Up to 60X Never Expiring Reward Points
Diamond Reserve
- Zero Forex markup
- Airport lounge access
- Welcome benefits of up to ₹1,500
FIRST WOW!
- Zero Forex markup
- Up to 4X Reward Points on spends
- 100% ATM cash withdrawal limit
WOW! Black
- Zero Forex Markup on international spends
- Welcome offers worth up to ₹5000+
- 4 Domestic airport lounge access per quarter
Rewards Credit Cards
Earn never-expiring reward points and redeem them with ease.
FIRST Select
- Welcome Benefits up ₹1,500
- Buy 1, Get 1 movie ticket, twice a month
- 1 complimentary domestic airport lounge access every quarter
FIRST Classic
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Up to 10X Never Expiring Reward Points
FIRST Wealth
- Low Forex markup of 1.5%
- 1 complimentary domestic & international airport lounge access every quarter
- Buy 1, Get 1 movie ticket, twice a month
FIRST Millennia
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Up to 10X Never Expiring Reward Points
Ashva
- Low Forex markup
- Airport lounge access: 4 domestic & 2 international/ per quarter
- Up to 60X Never Expiring Reward Points
Lifestyle Credit Cards
Benefits that match your lifestyle across dining, shopping, and entertainment.
FIRST Select
- Welcome Benefits up ₹1,500
- Buy 1, Get 1 movie ticket, twice a month
- 1 complimentary domestic airport lounge access every quarter
FIRST Classic
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Up to 10X Never Expiring Reward Points
FIRST Wealth
- Low Forex markup of 1.5%
- 1 complimentary domestic & international airport lounge access every quarter
- Buy 1, Get 1 movie ticket, twice a month
FIRST Millennia
- Welcome Benefits up ₹1,500
- 25% off on Movie tickets
- Up to 10X Never Expiring Reward Points
Cashback Credit Cards
Save more with instant cashback on UPI payments, EMIs, and more.
Hello Cashback Credit Card
- Up to 5% cashback worth ₹18,000 annually
- UPI-ready credit card
- Double up the benefits by Earning interest on FD and Cashback on card
Fuel & Insurance Credit Cards
Supercharge your savings on fuel and insurance payments.
FIRST Power
- Airport lounge access
- Up to 60X Never Expiring Reward
- 2X rewards on UPI spends
FIRST Power+
- Welcome benefits up to ₹2,500
- Up to 6.5% savings on fuel spends
- 1 Domestic airport lounge access per quarter
Premium Credit Cards
Experience luxury with higher limits, accelerated rewards, and priority services.
FIRST Wealth
- Low Forex markup of 1.5%
- 1 complimentary domestic & international airport lounge access every quarter
- Buy 1, Get 1 movie ticket, twice a month
Metal Credit Cards
Upgrade to the metal experience and get more with every swipe.
Ashva
- Low Forex markup
- Airport lounge access: 4 domestic & 2 international/ per quarter
- Up to 60X Never Expiring Reward Points
Mayura
- Zero Forex markup
- Airport lounge access: 4 domestic & 4 international/ per quarter
- Up to 60X Never Expiring Reward Points
FIRST Private
- Zero Forex Markup
- Unlimited Global Airport lounge access
- 40% Value Back on Travel Bookings with Reward Points
Business Credit Cards
Manage your business expenses better with higher limits, UPI, and rewarding spends.
FIRST Business
- Easy cash management for business payments
- 2 Complimentary airport lounge access/quarter
- Up to 3X reward points on UPI spends
Business Max
- Low interest Rate of 12% p.a.
- Up to 6 reward points on online business spends
- Up to 33% bonus rewards on travel bookings
Get 100% guaranteed approval with an FD backed credit card
Designed for everyone
From students and homemakers to self-employed professionals
Simple eligibility
Min. 18 years old. No income proof or credit history required.
Fully loaded with features
Enjoy premium perks, reward points, cashback, and lifestyle benefits.
Double advantage
Your FD earns interest while you enjoy financial freedom.
Credit card benefits built around you
From everyday reward points to premium perks, we’ve got it all covered.
How to get more with your credit card?
Convert to EMI
Enjoy EMI offers with partner brands or convert your purchase to EMI via app.
Explore Now
Balance Transfer
Transfer balance from other credit cards and get up to 105 interest-free days.
Explore Now
Balance to EMI
Turn your outstanding credit card balance into affordable EMIs with zero hassle.
Explore Now
Add-On Credit Card
Share financial freedom with friends and family by gifting them an add-on card.
Apply Now
All our credit cards are UPI-ready
Up to 3X rewards on UPI spends
Instant digital activation
Common rewards account
Accelerated rewards with FIRST Rewards Gallery
33% Bonus
reward points on hotels
20% Bonus
rewards points on flights
Buy gift vouchers
with reward points
Credit card offers from your favourite brands
Available across multiple categories
How to get your credit card instantly?
Check credit card eligibility criteria
Min. 18 years of age
Resident of India
Apply for a credit card online
Enter personal details
Choose your credit card
Complete your VKYC
Get an assured credit card with FD.
Check Your Credit Card Application Status
Track Now
What people love about our credit cards
-
Learn about Credit Card in Detail
-
Frequently Asked Questions
All
Reward points
Card Features
Privileges
Card Controls
EMI
Add-on Cards
Statement
Re-payment
Card Blocking
Apply for credit card
Credit limit
What is a Credit Card? Why is a Credit Card important?
A Credit Card is a plastic, metallic or virtual payment tool issued by a financial institution that allows you to borrow funds up to a pre-approved limit. Cardholders can use credit cards for making purchases, paying bills, or withdrawing cash. It lets you make cashless transactions, offering a short-term credit facility. A credit card usually offers an interest-free period of up to 45 days (can vary depending on the bank), where you can repay the borrowed amount in full without any interest. You can also opt for EMI payments for a large purchase to divide your payment into monthly instalments.
Having a Credit Card is important because it provides you with financial flexibility, helps you manage unexpected expenses, builds your credit history, and gives you access to a host of rewards, cashback, and travel benefits. When you opt for an IDFC FIRST Bank Credit Card, you unlock the potential to enjoy numerous lifestyle advantages, attractive reward programmes, and superior customer service.
Read more:- What is Credit Card?
How does a credit card work?
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.
How to apply for an IDFC FIRST Bank Credit Card?
Applying for an IDFC FIRST Bank Credit Card is a simple and hassle-free process. You may apply through the IDFC FIRST Bank website, mobile app, or by visiting a branch. You must fill out the application form, submit identity and income proof documents, and complete the KYC verification.
Additionally, IDFC FIRST Bank offers an instant online application facility where you can check your eligibility and receive digital approval within minutes, subject to terms and conditions.
What is a Credit Card statement?
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.
What is a credit card outstanding balance?
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.
What is the credit limit on a credit card?
The credit limit is the maximum amount you can spend using your credit card. This limit is determined by the bank based on your income, credit score, repayment behaviour, and other eligibility factors. However, once you have acquired a credit card, you may request periodic enhancements in your credit limit based on your usage and payment track record.
What fees and charges are associated with a credit card?
Typically, credit cards come with various fees such as:
- • Annual fees
- • Joining fees
- • Interest charges on unpaid balances
- • Late payment fees
- • Cash advance fees
- • Foreign transaction fees, etc
IDFC FIRST Bank Credit Card fees and charges: IDFC FIRST Bank Credit Cards are renowned for their customer-friendly and transparent fees. Many variants like the FIRST Millennia, FIRST Classic, and FIRST Select Credit Cards and more come with zero annual or joining fees, and the interest rates are highly competitive, offering you greater value.
What are the benefits of a credit card?
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
What is over-limit facility in a credit card?
An over-limit facility allows you to exceed your sanctioned credit limit for an emergency or important transaction. However, using this facility may attract additional charges and impact your credit score if not managed properly.
IDFC FIRST Bank Credit Cards have an over-limit fee/charge of 2.5% of the over-limit amount or ₹550, whichever is lower. The over-limit facility is not available on FIRST WOW!, FIRST EA₹N, FIRST Corporate, FIRST Business & FIRST Purchase Credit Card.
How do I generate my credit card PIN?
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.
How do I activate my IDFC FIRST Bank Credit Card?
Once you receive your IDFC FIRST Bank Credit Card, you can activate it by:
- • Logging in to the mobile app or internet banking.
- • Navigating to the ‘Credit Cards’ section and clicking on ‘Activate Card’.
- • Setting your PIN as part of the activation process for eligible cards* (Terms and Conditions applicable).
Card activation via the mobile app ensures safety and convenience.
*Some cards may include a joining fee during the activation process.
How can I view my credit card statement?
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.
How can I redeem Credit Card reward points?
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
How to increase my credit limit?
To increase your credit card limit at IDFC FIRST Bank you can opt for following two ways:
- Mobile banking app: Submit a limit enhancement request.
- Customer Care: Speak to a banking representative.
Upon reviewing your payment history, income documents, and spending behaviour, the bank will decide on an appropriate limit enhancement.
Who can apply for an IDFC FIRST Credit Card?
You can get your IDFC FIRST Credit Card if you meet the eligibility criteria such as:
- • You must be at least 21 years old
- • You must be an Indian citizen
- • You must have a healthy credit score
- • Your credit usage ratio must be within an acceptable level
- • You must have an Annual Income of:*
- o ₹3 lacs or more for FIRST Classic & FIRST Millennia
- o ₹12 lacs or more for FIRST Select
- o ₹36 lacs or more for FIRST Wealth
Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.
For the FIRST WOW Credit Card:
You must be an Indian citizen at least 18 years of age.
Which credit card transactions are eligible for EMI conversions
Currently, all eligible purchases 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.
What should I do if my Credit Card is lost, stolen or damaged?
In an unfortunate event if your credit card gets lost, stolen, or damaged, it is crucial to:
• Immediately block the card via mobile banking or customer care.
• Request a replacement card through the app, website, or branch.
• Lodge a police complaint if needed, for stolen cards.
Also read: Steps to follow if your Credit Card is lost or stolen
What is the process for setting up auto debit on my credit card?
To set up auto debit on your IDFC FIRST Bank Credit Card:
- • Log in to IDFC FIRST Bank mobile app or internet banking.
- • Navigate to ‘Credit Cards’ → ‘Auto Debit Settings’.
- • Choose to pay either ‘Minimum Amount Due’ or ‘Total Amount Due’.
- • Authorise the auto debit and confirm using OTP.
What are the payment options available for paying IDFC FIRST Bank Credit Card Bills?
IDFC FIRST Bank offers multiple channels to help you pay your credit card bills on time. You may choose from:
- Auto-debit: Link your IDFC FIRST Bank account to ensure timely payments automatically.
- Mobile and internet banking: Use the IDFC FIRST Bank app or net banking portal.
- UPI payments: Pay via any UPI-enabled app using your Virtual Payment Address (VPA).
- NEFT/IMPS: Transfer funds from any bank account using the IFSC code: IDFB0010221.
- Third party: Pay through third-party platforms authorised by the bank.
To learn more, click here
How to change the daily transaction limit of my IDFC FIRST Bank Credit Card?
You can customise your IDFC FIRST Bank Credit Card’s transaction limits by:
- • Logging in to the IDFC FIRST Bank mobile app or internet banking.
- • Selecting your credit card and tapping ‘Manage Card’.
- • Adjusting the daily domestic/international, online, ATM or POS limits.
This provides better control over your IDFC FIRST Bank Credit Card usage and enhances security.
What are the eligibility criteria for a credit card?
The eligibility requirements vary depending on the type of credit card you are applying for. You can choose a specific card from the IDFC FIRST Bank Credit Card list to know the specific criteria. Here are the key factors that influence credit card eligibility:
- 1. Age: You must be at least 18 years old.
- 2. Income: Applicant must have a stable and sufficient income. Income requirements can vary depending on the credit card you are applying for.
- 3. Credit score: A good credit score enhances your chances of approval.
- 4. Employment status: Regular employment or a steady source of income through self-employment is required.
- 5. Existing debt: Your current debt levels will be assessed to determine your ability to handle additional credit.
Specific credit cards may have tailored criteria based on income levels, credit usage, and banking relationship with IDFC FIRST Bank.
Are there any EMI conversion charges on my IDFC FIRST Bank Credit Card
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.
Can I apply for an add-on card?
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.
Can I pay my Credit Card bill online via NEFT?
Yes, you can conveniently pay your IDFC FIRST Bank Credit Card bill online using NEFT from any bank account. All you need to do is, fill up the following details:
- • Beneficiary Name: Your name as it appears on the Credit Card.
- • Beneficiary Account Number: Your 16-digit IDFC FIRST Bank Credit Card number.
- • IFSC Code: IDFB0010225.
- • Bank Name: IDFC FIRST Bank Ltd.
Ensure that you schedule the NEFT transfer at least one working day prior to the due date to avoid late payment charges.
Can I use my Credit Card for international transactions?
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.
Can I withdraw cash using my Credit Card?
Yes, you can withdraw cash using your IDFC FIRST Bank Credit Card at any ATM. However, you might need to pay a cash advance charge of ₹199 + GST and an interest rate as applicable from the day of withdrawal. It is advisable to use this facility only in emergencies due to the higher costs involved.
Some credit cards from IDFC FIRST Bank like the Mayura and FIRST Power+ cards, offer interest-free cash withdrawals until the due date, providing you with affordable cash withdrawal whenever needed.
Also read: What is Credit Card cash withdrawal?
Do IDFC FIRST Bank Credit Cards offer low, dynamic APR?
IDFC FIRST Bank Credit Cards offer competitive and dynamic Annual Percentage Rates (APR) starting at just 8.5% per annum or 0.7% 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.
Does IDFC FIRST Bank provide contactless Credit Cards?
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.
How can I avail movie ticket discounts on my IDFC FIRST Bank Credit Card?
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.
How can I avail my complimentary lounge benefit?
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.
How can I block my Credit Card?
In case of loss or theft, you can promptly block your IDFC FIRST Bank Credit Card through:
- Mobile app: Navigate to 'Manage Cards' and select 'Block Card'.
- Internet banking: Access the 'Credit Cards' section and choose 'Block Card'.
- Customer care: Call the 24x7 helpline to request card blocking.
- Through SMS: You can also block your card via SMS. Send an SMS in the format given: SMS ‘CCBLOCK1234’ to 5676732. Here, the numbers “1234” represent the last 4 digits of your card.
Blocking your card immediately helps prevent unauthorised transactions.
How can I claim my welcome benefits?
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.
How can I convert transactions to EMI?
You can convert eligible transactions 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.
How can I enable/disable my IDFC FIRST Bank Credit Card for online/merchant outlet transactions?
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.
I already have an IDFC FIRST Bank Credit Card. Can I apply for another one?
Yes, you can apply for an additional IDFC FIRST Bank Credit Card, subject to eligibility checks. If you’re looking to share card benefits with someone you trust, you can apply for an Add-on Card. Add-on cards can be issued to your parents, spouse, children, siblings, friends, business partners, or anyone above 18 years of age.
Please note that the credit limit will be shared between the primary card and all Add-on cards.
Is it possible to change my Credit Card's auto-debit facility from Total Amount Due to Minimum Amount Due?
Yes, you can modify your auto-debit settings by the following options:
- • Mobile app: Navigate to 'Auto Debit Settings' under 'Credit Cards'.
- • Internet banking: Access 'Credit Cards' and select 'Auto Debit Options'.
- • Customer care: Call the helpline to request changes.
Adjusting your auto-debit preference helps manage your monthly payments effectively.
What are never-expiring reward points?
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.
What is APR?
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.
How to add a credit card third party payment app?
Currently, you can add the digital version of your existing IDFC FIRST Bank RuPay Credit Card on third-party payment apps and pay by just scanning any UPI QR code. Here is how you can add a credit card on other payment apps:
Google Pay App
- Tap your profile on the top right
- Under ‘Set up payment methods’, tap ‘RuPay credit card’
- Select ‘IDFC Bank RuPay Credit Card’
- Enter your card details and its expiry date, then proceed
- Tap on ‘Create Pin’ and enter the six-digit OTP you receive from IDFC FIRST Bank
- Choose a four-digit UPI PIN to finish the linking process.
PhonePe App
- Tap your profile on the top left
- Under ‘Payment Methods’, select ‘RuPay Credit on UPI’
- Click on ‘Add New Card’
- Select ‘IDFC FIRST Credit Card’ as your RuPay credit card issuer
- Select your IDFC FIRST Bank RuPay Credit Card
- Enter the last six digits of your card and its expiry date, then proceed
- Verify your details using OTP received from IDFC FIRST Bank
- Choose a strong four-digit UPI PIN to finish the linking process.
Paytm App
- Under ‘UPI MONEY TRANSFER’, tap on ‘Link RuPay Card to UPI’
- Choose ‘IDFC FIRST RuPay Credit Card’
- Tap on ‘Set Payment PIN’
- Enter the last six digits of your card, expiry month and year, and proceed
- Complete the verification by entering the OTP received from IDFC FIRST Bank
- Choose a strong four-digit UPI PIN to finish the linking process.
Flipkart app
To add your IDFC FIRST Bank Credit Card on Flipkart:
- • Proceed to checkout while shopping.
- • Choose ‘Credit Card’ as your payment mode.
- • Enter your card details and save the card for faster payments.
How to check the credit card balance?
To check your IDFC FIRST Bank Credit Card balance, you have multiple convenient options:
- Mobile Banking App:
• Log in to the IDFC FIRST Bank mobile app.
• Tap on ‘Credit Cards’ from the dashboard.
• View your current outstanding balance, available credit limit, and transaction details instantly. - Internet Banking:
• Visit IDFC FIRST Bank netbanking portal and log in.
• Navigate to the ‘Credit Cards’ section.
• View your real-time balance, statements, and transaction history.
- SMS Banking:
• Receive an instant SMS for all your transactions in real time including your outstanding balances. - WhatsApp Banking:
• Send 'Hi' on IDFC FIRST Bank WhatsApp Banking to check your credit card balance.
What is a balance transfer in a credit card?
Balance transfer is a facility that allows you to transfer outstanding balances from one or more credit cards to another card, typically at a lower interest rate. This helps you consolidate debt and repay comfortably over time.
Credit Pro is the credit card balance transfer service offered by IDFC FIRST Bank with interest free period up to 105 days on every Balance Transfer.
Get in touch with us
ON A MISSION TO BUILD THE WORLD’S MOST
CUSTOMER FRIENDLY BANK