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IDFC First Credit Card Fees and Charges

Before you opt for an IDFC First Credit Card, it’s wise to understand the key costs that may come with it. These fees are standard for most retail IDFC First Credit Cards, although some premium cards may have different pricing tiers. All amounts are before GST.

Type	Fees & Charges
Annual fees	Varies by card. Some IDFC FIRST cards are free for life. Others have joining/annual fees as per their individual Schedule of Charges.
Interest rates & finance charges	0.75% to 3.99% per month (about 9% to 47.88% per year) on unpaid balances and cash advances.
Late payment fees & other charges	The late fee is 15% of the total amount due, with a minimum of ₹100 and a maximum of ₹1,300. No late fee if the total owing is under ₹100. Cash advance fee is ₹199 per ATM withdrawal (where cash advance is allowed).
Foreign transaction fees	Forex markup depends on the card: 0% on some cards (like FIRST WOW!, FIRST Private, Mayura), 1.5% on FIRST Wealth, 1.99% on FIRST Select/Employee/Ashva/FIRST Digital RuPay, and 3.5% on most other cards.

Key Benefits of IDFC First Credit Cards

Opting for an IDFC First Credit Card means you get more than just a way to make purchases. You also have access to a variety of services to help manage everyday payments and larger expenses. Here are some essential features of the IDFC First Credit Card:

• Several IDFC FIRST credit cards do not charge any joining or yearly fee, so you can keep the card for long-term use without worrying about fixed costs.
• You earn reward points on most day-to-day payments, such as shopping, dining, fuel, travel, and online spending, and you can collect and redeem them for vouchers, discounts, and other offers.
• The bank runs regular deals with big brands on food delivery, e-commerce, travel bookings, and lifestyle spends, so everyday purchases often come with extra cashback or savings.
• Some cards offer travel-focused features such as airport lounge access, low foreign exchange markup on international spending, and special travel discounts, while still rewarding local day-to-day expenses.
• On a few premium and specialised cards, the forex markup on overseas transactions is kept very low or even nil, which helps if you travel abroad or spend online in foreign currency.
• You can apply online through a simple, mostly paperless journey, and later use the mobile app to track spending, download statements, convert purchases to EMI, and manage the card without visiting a branch.
• Big-ticket purchases can be converted into EMIs directly in the app or portal, spreading out the cost and keeping the monthly outgo more manageable if a client faces a significant expense.
• Monthly statements and app insights make it easier to see where the money is going, plan a budget, and use the card as a tracking tool rather than just a payment instrument.
• Since the credit card is separate from the primary savings account, it reduces direct exposure of bank funds, and the bank provides dispute support if a transaction goes wrong.

IDFC First Credit Card Eligibility Criteria

Before applying for an IDFC First Credit Card, it is helpful to understand the fundamental criteria the bank considers for card eligibility. The table below presents the essential eligibility requirements:

Criteria	Details
Age	You should be between 21 and 65 years old when you apply for an IDFC FIRST credit card.
Income	You need a regular, trackable income as a salaried or self-employed individual. Entry-level cards start at ₹25,000 per month or ₹3 lakh per year in total revenue.
Residential status	DFC FIRST credit cards are generally issued only to Indian residents and citizens. NRIs usually are not eligible for these cards.
Documents required	Basic KYC and income proofs: PAN, Aadhaar / Passport / Voter ID / Driving Licence for ID and address, plus recent salary slips or bank statements / ITR as income proof. A passport-size photo would also be requested during the process.

Documents Required for IDFC First Credit Card Application

When applying for the IDFC First Credit Card, the bank first looks at your basic details. You will need to provide several standard documents for this. Having them on hand will help make the IDFC First Credit Card application process smoother and quicker:

• Identity proof: You will need a valid photo ID. This is usually your PAN card, but the bank may also accept an Aadhaar card, Passport, Voter ID, or Driving Licence as an identity document.
• Address proof: You can submit your Aadhaar, Passport, Voter ID, or Driving Licence showing your current address. If your identification has an outdated address, the bank might seek a recent bill for electricity, water, gas, or a landline, or a registered lease or property document.
• Income proof: Salaried applicants are asked for recent salary slips, bank statements showing salary credit, and, sometimes, Form 16. Self-employed applicants may be asked for Income Tax Returns for the last one or two years, audited financial statements, and bank statements for their business or primary account.
• PAN card and full KYC: A valid PAN card and completed KYC
• Application form and photographs: You must complete the credit card application, either online or as a signed physical form. A recent passport-size picture would be needed, especially for physical or semi-digital processes.

How to Block / Unblock IDFC First Credit Card

There must be times when you need to pause your IDFC First Credit Card for safety, or resume it when everything is back to normal. Here’s a simple way to handle it:

How to Block Your IDFC First Credit Card

• Via mobile banking / net-banking app: Use the IDFC FIRST Bank mobile app or net-banking portal to report your card lost or stolen and block it immediately. Look for a “Block Card” or “Report Loss/Theft” section.
• Call customer care/helpline: Call the toll-free customer support number for IDFC FIRST Bank. Ask to block your card, and they will verify your identity and block it immediately.
• Send email or written request (if required): If asked, send an email or written communication to the bank’s official card support or helpdesk stating your request to block the card, along with card details.
• Visit a branch (last resort / if asked by the bank): If digital or phone methods don’t work or if the bank requires verification, you can visit a nearby IDFC FIRST Bank branch to request a block in person.

How to Unblock Your IDFC First Credit Card

• Request replacement through customer care or the app: Contact customer support (by phone or app) to request a replacement card. The bank will deactivate the blocked card and issue a new one if you want a fresh card.
• Confirm identity & complete any KYC or verification: The bank may ask you to reconfirm identity or re-do specific verification steps before issuing a new card or reactivating.
• Wait for physical card delivery (if replacement): If you opted for a replacement card, wait for it to arrive. Once you receive it, activate it using the app, the net-banking portal, or the customer care instructions.

How to Choose the Right IDFC First Credit Card?

Finding the correct IDFC First Credit Card becomes easier when you assess your spending habits and what you want from the card. As IDFC First offers numerous options, the best selection depends on your monthly card usage. Here are a few simple suggestions to help you choose:

●     Understand your spending pattern

Before choosing, look at where most of your money goes: groceries, online shopping, fuel, dining, travel, or monthly bills. IDFC FIRST cards reward everyday spending quite well, but certain cards give extra value in specific categories.

●     Check whether you want a lifetime-free card.

IDFC FIRST Bank is known for offering multiple lifetime-free options. If your priority is a card with no annual fee or long-term maintenance cost, shortlist the cards clearly labelled as lifetime free.

●     Compare the rewards structure.

Different IDFC FIRST cards offer rewards at various levels. Some give higher points on offline purchases, others on digital payments, and some balance both. Look at how points are earned, where you can redeem them, and whether the rewards align with your lifestyle. A simple rule is that the more your daily spending aligns with the reward categories, the better the value.

●     See if you need travel or lounge benefits.

If you travel often, look for IDFC FIRST cards that offer airport lounge access, travel discounts, or lower forex markup. These features are not available on every card, so frequent travellers should pick one that includes them.

●     Evaluate the forex markup.

Some IDFC FIRST cards come with very low or even zero forex charges, while others have standard rates. If you shop online on international websites or travel abroad, choosing a low-forex or zero-forex card makes a noticeable difference.

Tips to Maximise IDFC First Credit Card Rewards

An IDFC First Credit Card can offer good value if you are careful with your spending. Rewards increase faster when you use the card wisely and manage your payments smartly. Here are some simple tips to maximise your IDFC First Credit Card rewards:

●     Focus your regular spending on the card

IDFC FIRST cards give reward points on most everyday purchases, including groceries, online shopping, fuel, dining, and lifestyle spends. The more you route your routine expenses through the card, the faster your points grow.

●     Use the card more for offline retail purchases.

Most IDFC FIRST cards offer higher reward points for offline transactions than for online payments. In-store purchases at supermarkets, apparel stores, electronics outlets, and pharmacies yield more value than digital transactions.

●     Check accelerated reward categories.

Some cards offer boosted rewards on specific categories such as dining, travel, or entertainment. These “accelerated” areas help you multiply points quicker. Keep an eye on what your card rewards most so you can prioritise those spends.

●     Make use of partner offers and brand tie-ups

IDFC FIRST Bank regularly lists partner deals, travel portals, food delivery, fashion sites, electronics stores, and more. These partnerships often include special discounts or bonus rewards. Whenever you’re planning a purchase, quickly check whether your bank has an offer with that brand.

●     Keep track of reward redemption options.

IDFC FIRST reward points can be used for vouchers, gift cards, shopping, travel bookings, and lifestyle products. The value you get varies depending on where you redeem. It helps to check the reward catalogue before using your points, so you choose the option that gives the highest value.

Steps to Apply Online Through Urban Money

Applying for an IDFC First Credit Cards card through Urban Money is simple and works well for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the IDFC First Credit Cards you want from the list of available options.
• Click on the IDFC First Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• Upload the required documents, including PAN, ID proof, and address proof.
• Submit the form so Urban Money can forward your IDFC First Credit Card application to the bank.
• The bank verifies your details and contacts you if anything else is needed.