Best IDFC FIRST Bank Shopping Credit Card 2026

Key Highlights of the IDFC FIRST Bank Shopping Credit Card

The IDFC FIRST Bank shopping credit card stays easy to use and brings a mix of rewards and small comforts that fit daily spending habits. Most benefits work in the background, so you earn or save without adjusting how you shop.

How IDFC FIRST Bank Shopping Credit Card Helps You Save More on Shopping

The IDFC FIRST Bank shopping credit card helps keep your everyday expenses lighter by offering steady rewards on almost everything you purchase. You earn 3X points on your regular monthly spends and a higher 10X rate once your transactions cross ₹20,000 in a billing cycle. Birthday spends also earn at the 10X level, so even your usual shopping turns more rewarding without extra effort.

Savings continue through small, frequent perks. A 25% discount on movie tickets helps with weekend plans, while the 1% fuel surcharge waiver cuts a recurring expense many people overlook. Merchant offers across shopping, dining, and lifestyle categories add another layer of value whenever you use the card.

The welcome rewards also support early savings. You receive a ₹500 voucher when you join and up to ₹1,000 cashback on your first EMI conversion. Over time, these rewards and discounts make the card feel valid for both planned purchases and day-to-day spending.

Benefits of IDFC FIRST Bank Shopping Credit Card

The IDFC FIRST Bank shopping credit card offers practical benefits that support routine purchases and occasional large purchases. Most of these work automatically, so you earn or save without changing your shopping habits.

• Reward Benefits: You earn 3X reward points on monthly spends up to ₹20,000 and 10X points once you cross that limit. Birthday transactions also earn at the higher 10X rate, which helps you build points faster across the year.
• Welcome & Early-Use Benefits: The card offers a ₹500 brand voucher after joining and up to ₹1,000 cashback on your first EMI conversion. These early perks give you immediate value when you start using the card.
• Lifestyle Savings: You get 25% off movie tickets and access to over 300 merchant offers across shopping, dining, and services. These small savings add up when you use the card regularly.
• Fuel & Travel Convenience: A 1% fuel surcharge waiver applies to eligible transactions, and you also receive complimentary railway lounge access for added comfort during travel.
• Flexibility & Support: The card lets you convert eligible purchases into EMIs directly from the OTP page. Interest-free cash withdrawal for a short period offers flexibility, and roadside assistance plus lost-card liability cover support you during emergencies.

Welcome & Joining Benefits for IDFC FIRST Bank Shopping Credit Card

The IDFC FIRST Bank shopping credit card offers a clear set of welcome benefits that activate as soon as you start using the card. These benefits are practical and straightforward, offering early value without complicated conditions.

• ₹500 Welcome Voucher

After you join, you receive a ₹500 gift voucher from one of the partnered brands. It provides immediate savings on your first few purchases.

• Cashback on First EMI Conversion

If you convert your first eligible transaction into an EMI, you can earn up to ₹1,000 as cashback. This makes your first large purchase slightly cheaper while giving you the option to spread payments.

• UPI Welcome Offer

For a limited period, the card provides 100% cashback on your first four UPI spends, capped at ₹50 per transaction. It’s a small but noticeable benefit during the early days of using the card.

Fees & Charges for IDFC FIRST Bank Shopping Credit Card

The IDFC FIRST Bank shopping credit card keeps its fee structure simple, which helps if you are getting your first card or adding a new one for shopping. Here are the key charges you should know before you apply.

Eligibility Criteria For IDFC FIRST Bank Shopping Credit Cards

To qualify for an IDFC FIRST Bank shopping credit card, you need to meet a few basic checks on age, income, and credit profile. The idea is to ensure you can use the card comfortably without stretching your finances.

• Age: You should be at least 21 years old at the time of application. Add-on cards can be issued to close family members in accordance with the bank’s rules.
• Income: The minimum annual income is usually around ₹3 lakh. Salaried applicants must demonstrate steady monthly income, while self-employed applicants should show consistent business earnings.
• Credit score: A healthy credit score with a clear repayment track record improves your chances of approval. Existing overdue loans or missed EMIs may affect the decision.
• Residency and KYC: You must be an Indian resident with valid KYC documents, such as PAN and Aadhaar, along with proof of current address.
• Overall profile: The bank may also consider your current obligations, existing credit cards, and any past relationship with IDFC FIRST Bank.

Documents Required for IDFC FIRST Bank Shopping Credit Cards

Applying for an IDFC FIRST Bank shopping credit card requires minimal paperwork. The bank requests standard documents confirming your identity, address, and income. Keeping these ready helps avoid delays during verification.

• Identity proof: A valid PAN card is mandatory. Aadhaar, passport, voter ID, or driving licence may also be used as proof of identity.
• Address proof: Aadhaar card, passport, a recent utility bill, or a registered rental agreement. The address should match the details entered in the application.
• Income proof: Salaried applicants may be asked to submit recent salary slips or Form 16. Self-employed applicants typically provide their most recent income tax returns or financial statements.
• Photograph: A recent passport-size photograph may be required if the bank conducts physical verification.
• KYC verification: IDFC FIRST Bank completes KYC through digital or in-person checks. Online applications move faster when PAN and Aadhaar are linked.

How to Apply for an IDFC FIRST Bank Shopping Credit Card through Urban Money?

Follow the steps below to apply for the IDFC FIRST Bank shopping credit card on Urban Money:

1. Open the Urban Money website.
2. Go to the Credit Cards section from the top menu.
3. Select the IDFC Credit Card and click on it.
4. Scroll down to the category filters and click Shopping.
5. From the list, choose the IDFC FIRST Bank shopping credit card you want.
6. Click Apply Now on the selected card.
7. Fill in the form fields on the screen, including your full name, mobile number, and city.
8. Submit the form to receive the best offers, then proceed with the following steps.