Process of IDFC FIRST Credit card


Choose your
Credit Card

Choose the credit card as per your requirements for example shopping traveling, business, etc.



The documents required for Credit Card Identity Proof, Address Proof, and Income Proof.


Credit Card

You will get the credit card at your address. Activate the card by setting up the PIN.

Benefits of IDFC FIRST Credit Cards


We are heading towards a cashless society. A plastic card through which you can pay for anything. Also, you can link your credit card to the digital wallet and pay with your phone.

Rewards and Cashbacks

A credit card offers rewards like free shopping trips or flight tickets. You can get cashback on payments done by a credit card.

Interest-Free Period

A Credit Card comes with a grace period between purchase and payment (could be up to 50 days) during which the bank does not charge any interest. This is a perfect example of buy now and pay later.

Improve your CIBIL

A credit card is the best way to improve or make your Credit Score easily.

Track and Pay for your Expenses

Credit cards come with an added advantage for users. You can easily track the expenses of your month and pay bills without missing them.

EMI Payments

A credit card allows you to make big purchases by offering an EMI facility. It lets you convert your bill amount into manageable monthly installments or EMIs


Identity Proof

You can present either an Aadhaar card, PAN card, Driving license, Voter ID card, or Passport.

Address Proof

You can present an Aadhaar card, PAN card, Driving license, Voter ID card, or Passport as proof of address.


As income proof you should have the latest payslip, Form 16, Income tax (IT) return.

Age Proof

Tenth standard school certificate, Birth certificate, Passport, and Voter ID card for the age proof.

PAN card

PAN card photostat is a mandatory document for the Credit Card.

Form 60

In some cases you should submit Form 60.


Drop your Question Here ?
Is IDFC credit card interest-free?
The interest rate for IDFC First Credit Card is 9%-42% per annum.
The borrower should have a salary of 3 lakh per annum.
You should have the CIBIL Score of 750 out of 900 at least to get the IDFC Credit Card.
Yes you can withdraw an amount from IDFC First Credit without paying any interest up to a certain number of days.
2.5% Over- Limit charge subject to the minimum of Rs. 500.
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