Get FIRST Classic a Lifetime Free Credit Card from IDFC FIRST Bank online. This card is loaded with benefits like 0 annual fees, low interest rates, 10X reward points, and more.

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Apply Now Signature is important and it is required to avail various products and services. To upload your signature

1. Go to More 2. Select Customer Service Dashboard 3. Select ‘Savings/Current Accounts’ 4. Select ‘Upload Signature’ to upload your signature.

That’s easy! Follow these steps to track your service requests:

1. From the home page of the app, tap on “Customer Service” section 2. Scroll down to “Track my service requests” to find all your requests

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Enjoy Zero Charges on All Commonly Used Savings Account Services

Open Account Now Enjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card

Apply Now Get the assured, FD-backed FIRST Ea₹n Credit Card

Apply Now When you seek good value and exceptional rewards.

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Eligibility* : Annual income of ₹ 3 Lacs or more Like all things classic, this card is just as it should be – Super Rewarding! Get exceptional value with up to 10X reward points, great discounts, insurance cover, low interest rates and a dependable card that’s free for life. Discover the timeless appeal of IDFC FIRST Bank’s Credit Cards today.

*Issuance of our Credit Card is subject to bank’s internal assessment and at the sole discretion of IDFC FIRST Bank.

Your reward points, Yours to keep forever!Easy to earn, Easy to redeem!

• 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday

• 3X Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month

• Unlimited Reward points that never expire

• Use Reward points to instantly pay for online or in-store purchases

• 1X Reward Points on Insurance premium payments and Utility bill payments

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25

Reward redemption will attract a small convenience charge of ₹99 (+ GST) per redemption.

Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.

Categories not a part of 10x Threshold- Rental & Property management transactions, Utility, Insurance, Education, Wallet Load & Government Services.

First-in-class features. Designed to delight, year after year.

Joining benefits- Welcome voucher worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.

• 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation

Click here for more details Privileges- 25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)

• 4 complimentary Railway lounge visits per quarter
• Complimentary Roadside Assistance worth ₹1,399
• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month

*Applicable only on transaction values between ₹200 & ₹5000

• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |Up to 15% discount at 3000+ Health & Wellness outlets
• Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000

*valid on doing atleast one transaction on FIRST Classic Credit Card in last 30 days

Click here for key terms & more details Convenience- Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app

• Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*

*Eligibility norms apply

Low on charges, high on benefits!

• No annual fee. Lifetime Free Credit Card
• Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)
• Interest free cash withdrawals on Domestic and International ATMs for up to 45 days (Cash Advance Fee of only ₹199 + GST per transaction)
• OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550
• Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)
• Forex Markup at 3.5% for all international transactions
• Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction
• Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle

View detailed Terms and Conditions IDFC FIRST Bank Credit Card Bill Payment Explore our various online credit card payment options.

Explore Options Standing Instructions (e-mandates) for recurring payments View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.

Manage NowKnow More Balance Conversion into easy EMI Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months

Convert Now

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Credit Cards?

There is no Joining or Annual fee applicable on following IDFC FIRST Bank credit cards

• ● FIRST Millennia
• ● FIRST Classic
• ● FIRST Select
• ● FIRST Wealth
• ● FIRST WOW!

How can I redeem the reward points that I have earned on my card?

You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.

Is there an expiry date on the reward points accrued on my card?

There is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. Your reward points are evergreen.

What are the current offers available on IDFC FIRST Bank credit cards?

IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.

What is the interest rate on my credit card?

IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.

Can I use my credit card to withdraw cash at an ATM?

Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 45 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of where you are or the amount you withdraw. The maximum cash withdrawal limit per transaction is Rs 10,000.

How do I generate my credit card PIN?

Net Banking

Pre-login

• • Click on the “Generate Credit Card PIN” on the pre-login page https://my.idfcfirstbank.com/login
• • Enter “Customer ID” & “Credit Card number” and click on Get OTP
• • Verify using the OTP sent on your registered mobile number
• • Enter and Re-enter PIN of your choice and click on confirm
• • Your Credit Card PIN is set

Login

• • Login to your Net Banking account
• • Select Credit Card section
• • Select Set new PIN
• • Enter and Re-enter PIN of your choice and click on Get OTP
• • Please verify through the OTP sent to your registered mobile number
• • Your Credit Card PIN is set

Mobile Banking App

Pre-login

• • Select browse icon from the right side top menu on login page
• • Enter “Customer ID” & “Credit Card number” and click on Get OTP
• • Please verify through the OTP sent to your registered mobile number
• • Enter and Re-enter PIN of your choice and click on confirm
• • Your Credit Card PIN is set

Login:

• • Login to Mobile Banking App
• • Access Credit Card section
• • Select Set new PIN
• • Enter and Re-enter PIN of your choice and click on Get OTP
• • Your Credit Card PIN is set

Customer Care:

• • Dial our Customer Care and follow the instructions to generate the PIN

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

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