IDFC FIRST Private Credit Card is a card that enhances your lifestyle. This card is designed for those who want financial security along with many exclusive benefits. With this card, you get many attractive offers, reward points, and other benefits that make your spending even more valuable. IDFC FIRST Bank has specially designed this card for customers who want a premium experience.
IDFC FIRST Private Credit Card lets you experience world-class services, including free airport lounge access, exclusive shopping offers, and other benefits. Apart from this, the card is also excellent in terms of security, with features like fraud protection and 24/7 customer support. The IDFC FIRST Private Credit Card not only provides you with the highest level of convenience, but also makes your financial decisions simpler and smarter.
Let us now discuss the various aspects of this card in detail so that you get complete information about it.
IDFC First Private Credit Card Benefits
The IDFC First Private Credit Card has many unique benefits that make it stand out from other credit cards.
- Reward Points: 5X Reward Points on every ₹100 spent.
- Free Airport Lounge Access: 4 free airport lounge visits every year.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions.
- Movie Ticket Offers: One free movie ticket every month.
- Shopping Discounts: Up to 10% discount at exclusive partner stores.
IDFC First Private Credit Card Charges
| Type of Charge | Amount/Rate |
|---|---|
| Annual Fee | ₹999 |
| Joining Fee | ₹999 |
| Interest Rate | 3.99% per month |
| Cash Advance Fee | ₹250 or 2.5% of withdrawal amount (whichever is higher) |
| Late Payment Fee | ₹100 to ₹1000 |
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IDFC First Private Credit Card Eligibility
- The applicant should be between 21 and 60 years of age.
- The applicant must be an Indian citizen.
- The applicant should have a minimum monthly income of ₹30,000.
- The applicant should have a stable job or business.
IDFC First Private Credit Card Documents
- Identity Proof: Aadhaar Card, PAN Card, Passport.
- Address Proof: Electricity Bill, Water Bill, Telephone Bill.
- Income Proof: Salary Slip, ITR, Bank Statement.
IDFC First Private Credit Card Limit
The credit limit of IDFC First Private Credit Card depends on your income and credit score. Generally, the limit can range from ₹50,000 to ₹10,00,000. Your limit is determined based on your credit score, income, and other financial parameters.
IDFC First Private Credit Card Apply
Applying for IDFC First Private Credit Card is very simple and convenient. You can do it both online and offline. Here we are telling you about the application process in detail.
Online Application Process
Step 1: Visit the official website of IDFC First Bank.
Step 2: Click on the “Credit Card” section on the home page of the website and select “Private Credit Card”.
Step 3: Click on the “Apply Now” button.
Step 4: Fill in your personal details in the application form, such as name, address, contact number, email ID, etc.
Step 5: Scan and upload the required documents for identity proof, address proof and income proof.
Step 6: After filling in all the details and uploading the documents, click on the “Submit” button.
Step 7: After submitting, you will get a confirmation message and your application will be processed.
Step 8: You will be contacted by the bank representative who will inform you about the status of your application and guide you for further processing.
Offline Application Process
Step 1: Visit the nearest IDFC First Bank branch.
Step 2: Visit the customer service desk and get the credit card application form.
Step 3: Fill in all your required details in the application form. This will include your name, address, contact number, date of birth, employment details, etc.
Step 4: Attach identity proof, address proof, and income proof documents, such as Aadhaar card, PAN card, passport, electricity bill, salary slip, ITR, etc.
Step 5: After filling the form and attaching the documents, submit it to the bank officer.
Step 6: The bank officials will check your documents and send the application for further processing.
Step 7: Your application will be processed and the bank officials will check your documents and details.
Step 8: If your application is approved, you will be notified and your credit card will be sent to your address.
Applying through both online and offline processes is very easy and convenient. After getting IDFC First Private Credit Card, you can enjoy its unique benefits and strengthen your financial independence.
Conclusion
IDFC First Private Credit Card is an excellent choice for those who want to enjoy premium features and benefits. Its reward points, free airport lounge access, and shopping discounts make it an attractive credit card. Through this card, you can not only improve your financial management but also make your life more convenient and enjoyable.
