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- IDFC FIRST Bank Credit Card
Credit cards from IDFC FIRST Bank come with perks related to various areas, including travel, rewards, lifestyle, and more. Numerous IDFC FIRST cards include no annual fee, reduced interest rates, and instantaneous rewards. These cards serve a variety of consumers, including new users seeking cards with simple reward systems and those who use them for category-specific perks like shopping, travel and gas. You can select the e-card that best suits your purchasing habits and income level.
Every IDFC Bank credit card is made to provide you with a unique set of advantages. The following is a list of some of these general advantages:
Lifetime-free Cards: Since IDFC FIRST Bank provides lifelong free credit cards, there are no annual or joining fees. Payments for fees. IDFC FIRST Wealth, IDFC FIRST Select, IDFC FIRST Millennia, and IDFC FIRST Classic are a few of the best IDFC FIRST credit cards that offer lifelong benefits. With a lower income eligibility requirement of only Rs. 25,000 per month, Millennia and Classic are among the best options for newbies seeking a low-maintenance card.
All-round Benefits: Although the majority of IDFC cards provide inclinational benefits in specific categories, you also receive fundamental benefits in the areas of travel, eating, insurance, and fuel. In addition to accelerated gasoline rewards, the IDFC FIRST HPCL Power+ Credit Card offers a high 5% savings rate on groceries, utilities, and FASTag recharges, among other perks.
Points for Incremental Reward: Every IDFC FIRST Credit Card comes with benefits for both in-person and online purchases in a variety of areas, such as food, shopping, and travel. You also get to receive incremental prizes for different amounts of money spent. For example, IDFC FIRST Wealth and IDFC FIRST Select provide 10X benefits on monthly purchases over Rs. 20,000. Accelerated incentives on birthday spending are another feature of certain cards. The rewards rate on cards varies depending on the type. You can use these reward points to offset your in-person and online purchases.
Welcome Benefits: Every IDFC credit card benefits from joining or activating the card. Other cards provide activation benefits even with no membership cost, while some offer benefits worth the fee. The card’s welcome incentives could include free e-vouchers for popular companies, extra cashback on your first EMI purchase, money on fuel purchases, and coupons for premium economy tickets.
Lower Fees & Charges: The fees associated with IDFC Credit Cards are cheaper than those of other credit cards. These cards have interest rates ranging from 9% to 43.8% annually. Lower interest rates are also available on balance transfers, cash withdrawals, and EMI purchases with this card. Aside from this, certain cards have no forex markup.
A- The bank reviews your application and determines the credit limit granted on the IDFC FIRST credit card based on your income, credit score, payback history, and other factors. Therefore, only after applying for a credit card can you find your credit limit. To have your designated credit card limit raised, you need to contact the bank immediately, either online or in person.
A- LIC Classic, LIC Select, FIRST WOW, FIRST Classic, FIRST Millennia, FIRST Select, FIRST Wealth, and Employee credit cards are among the several IDFC FIRST credit cards that offer lifetime free benefits.
A- On IDFC FIRST Bank credit cards, reward points are earned for life. As a result, they don’t expire after a predetermined time.
A- IDFC FIRST Bank provides a wide range of credit cards with different perks in different categories. Selecting the finest credit card requires comparing some characteristics and selecting the one that best suits your needs and spending patterns while still meeting your eligibility requirements.
A- A few IDFC FIRST Credit Cards are available at a salary based on the bank’s current income criteria. IDFC FIRST Millennia, IDFC FIRST Classic, IDFC FIRST Power, and Power Plus are available for Rs. 25,000 a month. But, before granting your credit card application, the bank might also look at other things, such as your credit score and credit history.