All you need to know about IDFC Credit Cards 

IDFC provides credit cards that have lower ROI and are focused mostly on lifestyle and rewards points. It provides maximum advantage to users as there is expiry date to the reward points. The eligibility criteria is also very relaxed. On achieving online & offline spend milestones, IDFC provides extra reward points based on the card type. Let us now know about IDFC’s credit cards, their features & benefits, fees & charges etc.

1. IDFC Millennia Credit Card

 

Rewards: 

 

• 10x Reward Points on incremental spends above ₹20,000 per month and spends done on birthday through IDFC Millennia Credit Card. 

• 6x & 3x Reward Points on online & offline purchases respectively for spends up to INR 20,000 per month.

• Low Interest Rates

• Amazing Merchant Discounts

• Unlimited Reward points that do not expire

• Reward Points can be used instantly to pay online or in-store purchases.

 

Joining Benefits:

 

• Welcome Voucher worth INR 500 on spending INR 15000 or more within 90 days of card generation.

• 5% Cashback (up to INR 1000) on the transaction value of first EMI done within 90 days of card generation.

 

Privileges:

• 25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)

• 4 complimentary Railway lounge visits per quarter

• Complimentary Roadside Assistance worth ₹1,399

• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month

• *Applicable only on transaction values between ₹200 & ₹5000

• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
  Up to 15% discount at 3000+ Health & Wellness outlets

• Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000

*valid on doing atleast one transaction on FIRST Millennia Credit Card in last 30 days

 

2. IDFC Classic Credit Card

Rewards: 

 

• 10x Reward Points on incremental spends above ₹20,000 per month and spends done on birthday. 

• 6x & 3x Reward Points on online & offline purchases respectively for spends up to INR 20,000 per month.

• Low Interest Rates

• Unlimited Reward points that do not expire

• Reward Points can be used instantly to pay online or in-store purchases.

 

Joining Benefits:

• Welcome Voucher worth INR 500 on spending INR 15000 or more within 90 days of card generation.

• 5% Cashback (Up to INR 1000) on the transaction value of first EMI done within 90 days of card generation.

 

Privileges:

 

• 25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)

• 4 complimentary Railway lounge visits per quarter

• Complimentary Roadside Assistance worth ₹1,399

• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month

• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
  Up to 15% discount at 3000+ Health & Wellness outlets

• Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000

*valid on doing atleast one transaction on FIRST Classic Credit Card in last 30 days

3. IDFC Select Credit Card

 

 Rewards: 

• 10x Reward Points on incremental spends above ₹25,000 per month and spends done on birthday. 

• 6x & 3x Reward Points on online & offline purchases respectively for spends up to INR 25,000 per month.

• Low Interest Rates

• Unlimited Reward points that do not expire

• Reward Points can be used instantly to pay online or in-store purchases.

 

Joining Benefits:

• Welcome Voucher worth INR 500 on spending INR 15000 or more within 90 days of card generation.

• 5% Cashback (Up to INR 1000) on the transaction value of first EMI done within 90 days of card generation.

 

Privileges:

 

• Buy one get one offer on movie ticket up to INR 250 on Paytm mobile app (valid twice per month)

• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
  Up to 15% discount at 3000+ Health & Wellness outlets

• 4 complimentary Domestic Airport lounge

• 4 complimentary Railway lounge visits per quarter

Visa Offers:

• Discounts on Airport Fast Track immigration service at over 450 destinations worldwide. 

• Discounts on Airport Transfers limousine service across over 3000 cities across 83 countries. 

• Access to over 900 luxury hotels with premium benefits.

 

Insurance:

 

• Complimentary Roadside Assistance worth ₹1,399

• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹300/month 

*Applicable only on transaction values between ₹200 & ₹5000

• Air Accident Cover of  ₹1crore*

• Personal Accident Cover of ₹5,00,000* and Lost Card Liability Cover of ₹50,000

• Comprehensive Travel Insurance Cover of ₹22,500#

*valid on doing atleast one transaction on FIRST Select Credit Card in last 30 days

4. IDFC Wealth Credit Card

 

Rewards: 

 

• 10x Reward Points on incremental spends above ₹30,000 per month and spends done on birthday through IDFC Wealth Credit Card.

• 6x & 3x Reward Points on online & offline purchases respectively for spends up to INR 30,000 per month.

• Low Interest Rates

• Travel benefits & Lifestyle benefits

• Unlimited Reward points that do not expire

• Reward Points can be used instantly to pay online or in-store purchases.

 

Joining Benefits:

 

• Welcome Voucher worth INR 500 on spending INR 15000 or more within 90 days of card generation.

• 5% Cashback (Up to INR 1000) on the transaction value of first EMI done within 90 days of card generation.

 

Privileges:

 

• Buy one get one offer on movie ticket up to INR 500 on Paytm mobile app (valid twice per month)

• 300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
  Up to 15% discount at 3000+ Health & Wellness outlets

• 4 complimentary Domestic & International Airport lounge, Spa visits per quarter

• 2 Complimentary Golf Rounds per month for every INR 20000 of monthly statement spends.

 Visa Offers:

• Discounts on Airport Fast Track immigration service at over 450 destinations worldwide. 

• Discounts on Airport Transfers limousine service across over 3000 cities across 83 countries. 

• Access to over 900 luxury hotels with premium benefits.

 

Insurance:

 

• Complimentary Roadside Assistance worth ₹1,399

• Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹400/month 

*Applicable only on transaction values between ₹200 & ₹5000

• Air Accident Cover of  ₹1crore*

• Personal Accident Cover of ₹10,00,000* and Lost Card Liability Cover of ₹50,000

• Comprehensive Travel Insurance Cover of USD 1200.

*valid on doing atleast one transaction on FIRST Wealth Credit Card in last 30 days

5. IDFC First Private Credit Card

 

Rewards: 

• 10x Reward Points on incremental spends above ₹30,000 per month and spends done on birthday through IDFC First Private Credit Card.

• 6x & 3x Reward Points on online & offline purchases respectively for spends up to INR 30,000 per month.

• 1x = 1 reward point for every 100 spent

 

Benefits:

 

• 0% Forex markup on all international spends.

• Global access to interest free cash withdrawals across ATMs for up to 48 days.

• Unlimited complimentary access at all Domestic and International Premium lounges and spas in India.

• Comprehensive air & travel accidental cover.

• Complimentary roadside assistance worth INR 1399.

 

Privileges:

• Enjoy discounts on Movies, plays and any events up to INR 750 via BMS.

• 2 complimentary Golf rounds every month on spends of over INR 40,000.

• Highest Tier privileges through the Visa Infinite Platform:

• Airport Limo Transfer Program

• Meet & Greet Immigration Services

• Affluent Dining Program

6. IDFC Wow Credit Card  

 

Rewards: 

• 4x Reward Points

• Never expiring reward points

• Reward points redeemable anytime, anywhere online

• Reward points as good as cash

 

Privileges:

 

• Zero fees

• No Forex Conversion Fees

• Credit Limit of at least 100% of the FD value

• 100% ATM Cash withdrawal limit of the FD value

• Visa Infinite premium platform benefits

• Over 300+merchant offers

• INR 2,00,000 personal accident cover

• 1% fuel surcharge waiver