1. Credit Score and Banking History Requirements
Credit Score (CIBIL Score)
- A minimum CIBIL score of 700 is generally recommended for approval.
- Higher the score (750+), better are your chances of getting a credit card with a higher limit and better features.
- If your credit score is between 650–699, you may still be eligible, but approval is not guaranteed.
Banking & Financial Behavior
- Regular banking activity: Salary or business income should be reflected in your bank account.
- No defaults on previous loans or credit cards.
- A good repayment track record is essential.
- Maintaining a stable income and not having too many open credit lines improves chances.
- How to Apply for an IDFC Credit Card – Online & Offline* 📱 *Online Method (Step-by-Step):
- Visit the official website: https://www.idfcfirstbank.com
- Navigate to Credit Cards under the “Personal” section.
- Choose the type of credit card you want (e.g., IDFC Classic, Select, Wealth, Millennia).
- Click on “Apply Now”
- Fill in your basic details: name, mobile number, PAN, income, etc.
- Complete OTP verification
- Upload necessary documents:
- PAN card
- Aadhaar card
- Income proof (salary slip or ITR for self-employed)
- IDFC may schedule a video KYC or physical verification.
- On successful approval, you will get a digital credit card instantly, and physical card is sent within 7–10 days.
Offline Method:
- Visit the nearest IDFC FIRST Bank branch.
- Speak to a relationship manager or representative for a credit card application.
- Submit:
- Identity proof (PAN/Aadhaar)
- Address proof
- Income documents (salary slip, Form 16, or ITR)
- Fill the physical application form and submit.
- Bank will verify your documents and process your application within a few days.
- IDFC Credit Card Limit – How Much Can You Get?
- The credit limit is determined based on:
- Your income
- Your credit score
- Your existing liabilities or loans
- Your repayment history Typical Ranges:
- Minimum Limit ₹10,000 to ₹25,000 for basic cards
- Maximum Limit: ₹5,00,000+ for premium cards (like IDFC FIRST Wealth) The actual approved limit will be informed after application evaluation.
- Can You Get a Card with a Low/Bad CIBIL Score? If CIBIL Score is Bad (Below 650)
- Chances are very low for unsecured credit cards.
- You may get rejected or offered a secured credit card instead (against a fixed deposit).
- To improve eligibility:
- Clear outstanding debts
- Maintain timely EMI/credit card payments
- Keep credit utilization low IDFC does *not currently offer secured credit cards, so *good credit score is essential for their cards.
- Benefits of IDFC FIRST Bank Credit Cards
IDFC credit cards are lifetime free with zero joining and annual fees, which is a major advantage.
Top Benefits:
| Benefit Type | Description |
| No Annual Fee | Lifetime free cards (no joining/annual charges) |
| Reward Points | 6X or more reward points on online spends, 3X on offline spends |
| Interest-Free Period | Up to 48 days |
| Low Interest Rate | Ranges from 9% to 36% p.a. (depends on cardholder risk profile) |
| Airport Lounge Access | Free domestic lounge visits on some card variants |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver across all petrol pumps |
| EMI Conversion | Easy EMI conversion on transactions above a certain limit |
| Personal Accident Cover | Complimentary insurance up to ₹2 lakh |
| Movie & Dining Offers | Discounts on food and entertainment via partnered platforms |
Popular IDFC FIRST Credit Cards:
| Card Name | Best For |
|---|---|
| FIRST Classic | Entry-level users, basic rewards |
| FIRST Select | Balanced rewards and lifestyle |
| FIRST Wealth | Premium users, high limits, travel |
| FIRST Millennia | Millennials and digital shoppers |
