IDFC FIRST Bank Credit Card – Variants, Benefits & Eligibility
The IDFC FIRST Bank Credit Card is one of the most popular lifetime free credit cards in India. With 5 different variants – WOW, Millennia, Classic, Select, and Wealth – the bank offers customized features for students, professionals, and premium customers. Here’s a detailed guide.
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✨ Key Benefits of IDFC FIRST Bank Credit Card
- Lifetime Free – No annual fee.
- Reward points with no expiry.
- Up to 10X rewards on monthly spends above ₹20,000.
- Discounts on dining, movies, and wellness services.
- Free roadside assistance & personal accident cover.
- Interest-free cash withdrawals up to 48 days.
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🃏 Variants of IDFC FIRST Bank Credit Card
📌 Eligibility Criteria
- Age: 18 – 65 years (depending on variant).
- Minimum monthly income: ₹20,000 – ₹40,000 (based on card type).
- Credit score: 710+ with clean record.
- Valid PAN & Aadhaar required.
- Must be resident of eligible PIN codes.
- Not available for existing IDFC FIRST Bank credit cardholders (upgrades not eligible).
⚖️ Terms & Conditions
- Customer must activate the card with the first transaction within 30 days.
- Cards not activated/cancelled within 30 days may lead to reversal of benefits.
- Application requires last 3 months’ bank statements or ITR if requested.
- No telecalling – only customers who show intent are eligible.
- Avoid customers with defaults, payment delays, or multiple recent card applications.
🙋 Frequently Asked Questions (FAQs)
Q1. What is the age criteria to apply for an IDFC FIRST Bank Credit Card?
For salaried individuals, the age should be between 21 to 60 years, and for self-employed individuals, 25 to 65 years.
Q2. What are the reward points, how to use them?
You earn up to 10X reward points on monthly spends. The points never expire and can be redeemed fully against any payment without fees.
Q3. Is it available PAN India?
No, it is only available in select 50 cities. Customers must check PIN code eligibility before applying.
Q4. What should be the minimum monthly income to apply?
The minimum monthly income required is ₹30,000 for salaried individuals.
Q5. How can I improve my credit score?
Pay your bills on time, keep credit utilization low, and avoid multiple loan/credit applications within a short time frame.
Q6. Can existing IDFC customers apply?
No, existing IDFC FIRST Bank customers upgrading their card are not eligible for new payouts.
🚀 How to Apply?
- Check your eligibility online.
- Provide KYC details (PAN, Aadhaar, Income proof).
- Submit documents digitally.
- Get instant approval and start enjoying lifetime free benefits.
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✅ Final Thoughts
The IDFC FIRST Bank Credit Card family offers something for everyone – from beginners with no salary requirement (WOW Card) to premium professionals (Wealth Card). With zero annual fee, lifestyle benefits, and strong reward structure, these cards are among the best lifetime free credit cards in India.