Credit cards have become into a vital tool for managing our finances in today’s fast-paced society. They provide comfort, security, and a range of advantages like rewards, rebates, and savings. One such credit card supplier is India’s top financial institution, IDFC FIRST Bank. Finding the perfect credit card for your unique needs might be difficult with so many options available. In this post, we’ll examine the several IDFC credit cards so you can choose the one that’s right for you.
IDFC FIRST Millennia Credit Card:
Invented for the millennial lifestyle, IDFC First Millenia credit card is as cool as it looks! It provides 10X Reward Points, low-interest rates, and exceptional merchant discounts. This card will definitely stay with you forever.
Highlights of IDFC First Millenia credit cared:
- When applying for the card, spend at least Rs. 15,000 within 90 days of receiving the card to receive a welcome voucher worth Rs. 500.
- On cumulative purchases over Rs. 20,000 per month and on the cardholder’s birthday, you can earn up to 10X Reward Points.
- Earn up to 6X and 3X Reward Points for purchases made both online and offline for up to Rs. 20,000 each month.
- Receive 5% cashback on the transaction amount of the first EMI made within 90 days of the card’s creation, up to Rs. 1000.
- Get four trips to the railway lounge for free each quarter.
- On the Paytm app, you may save 25% on movie tickets up to Rs 100. This is good for one use per month.
- Get Rs. 2,000,00,000 in personal accident coverage and Rs. 25,000 in lost card liability coverage.
- From the mobile app, convert any transactions above Rs. 2,500 into quick and easy EMIs.
- For online purchases over Rs. 2,500, perform an instant EMI conversion on the bank’s OTP page.
- Enjoy the practical ways to transfer balances from your other bank credit cards with the bank’s balance transfer privilege.
IDFC FIRST Classic Credit Card:
The IDFC FIRST Classic Credit Card is ideal for reward-seekers and people who respect their money. With the 10X reward points, you can obtain amazing savings, insurance coverage, and affordable interest rates. This card is completely free for life and is very reliable.
Highlights of IDFC First Classic credit card:
- When applying for the card, spend at least Rs. 15,000 within 90 days of receiving the card to receive a welcome voucher worth Rs. 500.
- On cumulative purchases over Rs. 20,000 per month and on the cardholder’s birthday, you can earn up to 10X Reward Points.
- Spend up to Rs. 20,000 every month and receive up to 6X and 3X Reward Points on online and offline purchases.
- Receive 5% cashback on the transaction amount of the first EMI made within 90 days of the card’s creation, up to Rs. 1000.
- On the Paytm app, you may save 25% on movie tickets up to Rs 100. This is good for one use per month.
- Get four trips to the railway lounge for free each quarter.
- Get 1% off the gasoline fee at all Indian petrol stations, up to Rs. 200 every month.
- Get 300+ merchant discounts all year long and up to 20% off at 1500+ restaurants.
- Get 15% off at more than 3000 Health and Wellness stores.
- Get Rs. 2,000,00,000 in personal accident coverage and Rs. 25,000 in lost card liability coverage.
- From the mobile app, convert any transactions above Rs. 2,500 into quick and easy EMIs.
- For online purchases over Rs. 2,500, perform an instant EMI conversion on the bank’s OTP page.
- Enjoy the practical ways to transfer balances from your other bank credit cards with the bank’s balance transfer privilege.
IDFC FIRST Select Credit Card:
The premium IDFC FIRST Select Credit Card provides a top-notch rewards programme, travel benefits, and year-round promotions. The card has the lowest interest rates and has no fees.
Highlights of IDFC First Select credit card:
- On cumulative purchases over Rs. 20,000 per month and on the cardholder’s birthday, you can earn up to 10X Reward Points.
- Spend up to Rs. 20,000 every month and receive up to 6X and 3X Reward Points on online and offline purchases.
- Enjoy the limitless, perpetual reward points.
- When applying for the card, spend at least Rs. 15,000 within 90 days of receiving the card to receive a welcome voucher worth Rs. 500.
- Receive 5% cashback on the transaction amount of the first EMI made within 90 days of the card’s creation, up to Rs. 1000.
- Enjoy the ‘Buy one, get one’ deal on movie tickets on the Paytm app up to Rs. 250. This is valid once every two weeks.
- Get 300+ merchant discounts all year long and up to 20% off at 1500+ restaurants.
- Get 15% off at more than 3000 Health and Wellness stores.
- Get four visits to domestic airport lounges free each quarter.
- Get four trips to the railway lounge for free each quarter.
- Take advantage of free roadside assistance worth Rs. 1,399
- Get 1% off the gasoline fee at all Indian petrol stations, up to Rs. 300 each month.
- Get a 1,000,000 rupee air accident insurance policy.
- Purchase Rs. 5,000,001 in personal accident insurance and Rs. 50,000 in lost card liability insurance.
- Get Rs. 22,500 worth of comprehensive travel insurance.
- From the mobile app, convert any transactions above Rs. 2,500 into quick and easy EMIs.
- For online purchases over Rs. 2,500, perform an instant EMI conversion on the bank’s OTP page.
- Enjoy the practical ways to transfer balances from your other bank credit cards with the bank’s balance transfer privilege.
IDFC FIRST Wealth Credit Card:
One of the most luxurious credit cards IDFC FIRST Bank offers is the IDFC FIRST Wealth Credit Card. The only card that can help you gain the exclusivity you deserve is this one. Take advantage of the lowest interest rates, exclusive lifestyle and travel bonuses, and perpetual incentives.
Highlights of IDFC First Wealth credit card:
- Earn up to 10X Reward Points on total monthly expenditures over Rs. 30,000 and on the cardholder’s birthday.
- Spend up to Rs. 30,000 every month and receive up to 6X and 3X Reward Points on your online and offline purchases.
- When applying for the card, spend at least Rs. 15,000 within 90 days of receiving the card to receive a welcome voucher worth Rs. 500.
- Receive 5% cashback on the transaction amount of the first EMI made within 90 days of the card’s creation, up to Rs. 1000.
- Enjoy the ‘Buy one, get one’ deal on movie tickets on the Paytm app up to Rs. 500. This is valid once every two weeks.
- Get 300+ merchant discounts all year long and up to 20% off at 1500+ restaurants.
- Get 15% off at more than 3000 Health and Wellness stores.
- Receive four complimentary trips to the spa and access to domestic and international airport lounges each calendar quarter.
- Get two free golf rounds or lessons each month.
- Get free roadside assistance, valued at Rs. 1,399
- Get 1% off the gasoline fee at Indian petrol stations, up to Rs. 400 every month.
- Get Rs. 1 crore in air accident insurance.
- Get Rs. 10,000,001 in personal accident insurance and Rs. 50,000 in lost card liability insurance.
- Get $1200 worth of complete travel insurance.
- From the mobile app, convert any transactions above Rs. 2,500 into quick and easy EMIs.
- For online purchases over Rs. 2,500, perform an instant EMI conversion on the bank’s OTP page.
- Enjoy the practical ways to transfer balances from your other bank credit cards with the bank’s balance transfer privilege.
You can apply the cards in the IDFC official website.
Conclusion:
The perfect IDFC credit card for you will depend on your spending patterns, lifestyle, and financial objectives. Consider each card’s advantages and features carefully before choosing one. The IDFC FIRST Select Credit Card can be a fantastic choice if you travel frequently. The IDFC FIRST Classic Credit Card may be the best option for those who value simplicity and consistent rewards. Before making your decision, don’t forget to take the annual fees and any related costs into account.
Whatever your preference, use your credit card responsibly and make your payments on time to maximize its benefits and keep your credit score high. Last but not least, it is wise to speak with the bank or a financial advisor to fully comprehend the terms and circumstances. Enjoy your credit card search!
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I am a engineering student studying at Nimra college of engineering and technology(NCET)