Urban Money
IDFC First Bank

Top reasons why our

customers love this
Credit Card

IDFC First Bank

Super Saver interest rates

from 0.75% - 3.5% p.m.

IDFC First Bank

10x rewards*

on exceeding monthly spends threshold

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BENEFITS & PRIVILEGES

More reasons to love our Credit Card

IDFC First Bank

Interest free cash withdrawal

from ATM upto 48 days

IDFC First Bank

3X rewards

for offline purchases and rental spends

IDFC First Bank

Accelerated rewards

6x for online purchases

IDFC First Bank

No rush to redeem

Reward points that never expire

IDFC First Bank

Movie offer

Discount offers between 25-50% on movie tickets every month

IDFC First Bank

Dining offer

Upto 20% across 1500 restaurants

IDFC First Bank

Welcome Offer

Gift Voucher worth ₹500 on spending ₹15,000 in first 3 months

IDFC First Bank

Cashback on EMI

5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation

IDFC First Bank

Get yourself insured

Personal Accident cover upto ₹10,00,000 (min. 1 transaction last month)

IDFC First Bank

More offers

50+ in-app discounts; complimentary lounge and golf access on premium card variants

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IDFC First Bank

Get your latest Credit Score, FREE

Frequently Asked Questions

From refinancing to reducing your interest, we have the answers right here.

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

There is NO Joining or Membership fee applicable on any of IDFC FIRST Bank Credit Cards.

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

IDFC FIRST Bank Bank Credit Cards are loaded with a host of benefits, offers & features.

Some of them are listed below and will be applicable as per card variant available with you:

Lifestyle benefits - Discounts on shopping, dining & movies, complimentary round of golf every month, etc.

Travel benefits - Complimentary airport lounge access.

Other benefits - various in-app online discounts, discounts on health and wellness outlets, etc.

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

There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card

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

There is NO expiry date to the reward points accrued on your IDFC FIRST Bank Credit Card

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.