IDFC FIRST BANK CREDIT CARDS

Features, Benefits & Application Process

VALID FROM: APRIL 2024

FIRST Millennia

Card Category Classic

Card
Type

Benefits Cashback, Rewards

Age Criteria Salaried : 21 to 60 years | Self-Employed : 25 to 60 years
Sourcing

Employment Type Salaried / Self Employed

Criteria

Min Monthly Income (ƒ) 25K / 5 Lacs ITR p.a

OBC Limit (ƒ) 30K
First Year Fee (ƒ) Lifetime Free
Fees

Renewal Fee (ƒ) Lifetime Free

Welcome Benefits • —500 worth of vouchers on spending —5000 or more in
30 days of card generation. (Merchant Vouchers applicable
to change from time to time and customer to be shown a choice
during redemption)
• 5% cashback on EMI transaction done within 30 days

TXN: TRANSACTION
(Up to —1000)
Complimentary Lounge Access 4 complimentary Railway lounge visits per quarter
0 8 / 0 4 -2024 -F& B -CC-I DFC-2

Complimentary Restaurant U
- p to 20% discount at 1500+ restaurants

|
RP: REWARD POINT
Insurance and Road Assistance • Personal Accident Cover of —2 Lacs on min. one txn
in the previous mo.
• Lost Card Liability Cover of —25,000
• Complimentary Roadside Assistance worth —1,399

|
CB: CASHBACK
Usage Benefits 25% discount on movie tickets once a month up to —100 on Paytm mobile app
V ER

At Stores • 300+ Merchant offers, All year long¡

|
A B B - C V : C L U B V I S TA R A
• Up to 15% discount at 3000+ Health & Wellness outlets

Milestone Bonus • 10X RPs on all incremental spends above —20K/ mo. and
on your birthday. (Excluding: Rent & Property Management,
Wallet Loads, Education, Government services, Utility bill and
Insurance Premium Payments)
• 3X RPs on online & offline spends up to —20K/ mo.
Rewards & Cashback

• 3X Rewards on Rent, Property Management & Purchase,

Wallet, Education and Government transactions.
• 1X RP on Insurance premium & Utility bill
payments.

Extra Category Benefits Forex mark-up starting at 3.5% on all international spends

Fuel Surcharge Waiver Up to —200 per month (only on TXN of —200 to —5000)
Redemption Value 1 Reward Point = —0.25 (on —150 spent)

Other Benefits Interest-free ATM Cash Withdrawal for up to 48 days

(Cash Advance Fee of only —250 per transaction)
 IDFC FIRST BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: APRIL 2024

FIRST Classic FIRST Select FIRST Wealth

Card Category Classic Premium Premium

Card
Type

Benefits Cashback, Rewards Cashback, Rewards Cashback, Rewards

Age Criteria Salaried : 21 to 60 years | Self-Employed : 25 to 60 years
Sourcing

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed
Criteria

Min Monthly Income (‚) 25K / 5 Lacs ITR p.a 1.25 Lacs / 5 Lacs ITR p.a 3 Lacs / 5 Lacs ITR p.a
OBC Limit (‚) 30K 1 Lac 4 Lacs
First Year Fee (‚) Lifetime Free Lifetime Free Lifetime Free
Fees

Renewal Fee (‚) Lifetime Free Lifetime Free Lifetime Free

Welcome Benefits • •500 worth of vouchers on spending •5000 or more in 30 days of card generation (Merchant Vouchers applicable
to change from time to time and customer to be shown a choice during redemption)
• 5% cashback on EMI transaction done within 30 days (Up to •1000)

Lounge Access 4 complimentary Railway lounge visits • 4 complimentary Domestic Airport • 4 Complimentary railway

TXN: TRANSACTION
per quarter lounge per qtr (Min. spend of ₹5K in lounge per qtr
previous mo.) • 4 Complimentary
Complimentary

• 4 complimentary railway lounge Domestic & international

Memberships

per qtr Airport lounge & Spa

0 8 / 0 4 -2024 -F& B -CC-I DFC-2

access per qtr (Min spend

|
RP: REWARD POINT
of ₹5K in the previous month)

Golf - - 2 Golf rounds / mo

Hotel & Restaurant Up to 20% discount at 1500+ restaurants

|
CB: CASHBACK
Insurance and Road Assistance • Personal Accident Cover of •2 Lacs • Complimentary Roadside • Complimentary Roadside
on min. one txn in the previous mo. Assistance worth •1,399 Assistance worth •1,399
• Lost Card Liability Cover of •25,000 • Air Accident Cover : •1 cr* • Air Accident Cover : •1 cr*
V ER

• Complimentary RSA worth •1,399 • Personal Accident Cover of •5 Lacs* • Personal Accident Cover of •10

|
A B B - C V : C L U B V I S TA R A
& Lost Card Liability Cover of •50K Lacs* & Lost Card Liability Cover of
• Comprehensive Travel Insurance •50K
Cover : •22.5K* • Comprehensive Travel Insurance
Cover : •22.5K*

Usage Benefits 25% discount on movie tickets once a BOGO offer on movie ticket of up to •250 (twice per month) on PayTM App.
month up to •100 on Paytm app

Online Spends 50+ in-App discount offers

At Stores Up to 15% discount at 3000+ Health & Wellness outlets

Milestone Bonus • 10X RPs on all incremental spends above •20K/ mo. and on your birthday. • 10X RPs on all incremental spends
Rewards & Cashback

(Excluding: Rent & Property Management, Wallet Loads, Education, Government above •20K/ mo. and on birthday.
services, Utility bill and Insurance Premium Payments) (Excld: Rent & Property Management,
• 3X RPs on online & offline spends of up to •20K/ mo. Wallet Loads, Education, Government
• 3X Rewards on Rent, Property Management & Purchase, Wallet, Education services, Utility bill & Insurance Premium
and Government transactions. Payments)
• 1X RP on Insurance premium & Utility bill payments. • 3X RPs on online & offline spends of
up to •20K/ mo.

Extra Category Benefits Low forex mark-up starting at 3.5% on Low forex mark-up starting at 1.99% Low forex mark-up starting at 1.50%
all international spends on all international spends on all international spends

Fuel Surcharge Waiver Up to •200 per month (only on TXN Up to •300 per month (only on TXN Up to 400 per month (only on TXN of
of •200 to •5000) of •200 to •5000) •200 to •5000)

Redemption Value 1 Reward Point = •0.25 (on •150 spent)

* Tn C A p p l y
 IDFC FIRST BANK CREDIT CARDS
Features, Benefits & Application Process
VALID FROM: APRIL 2024

Club Vistara HPCL IDFC FIRST Bank Power HPCL IDFC FIRST Bank Power+

Card Category Super Premium Premium Premium

Card
Type

Benefits Travel Fuel Fuel

Age Criteria Salaried : 21 to 60 years | Self-Employed : 25 to 60 years
Sourcing

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed
Criteria

Min Monthly Income (†) 25K / 3 Lacs ITR p.a 25K / 3 Lacs ITR p.a 25K / 3 Lacs ITR p.a
OBC Limit (†) 30K 30K 30K
First Year Fee (†) 4999 199 499
Fees

Renewal Fee (†) 4999 199 499

Renewal Fee Waiver - On spends of ›50K annually On spends of ›1.5 Lacs annually

Welcome Benefits • 1 Premium Economy Ticket Voucher • ›250 Cashback on spends of ›250 • ›500 Cashback on spends of ›500
• 1 One-Class Upgrade e-Voucher or above at HPCL fuel within 30 days or above at HPCL fuel within 30 days
• Club Vistara Silver Membership • ›1000 discount on Zoomcar Rentals. • ›1000 discount on Zoomcar Rentals.
• EazyDiner Prime membership for 3 • 5% cashback up to ›1000 on first • 5% cashback upto ›1000 on first
months EMI txn within 30 days EMI txn within 30 days

TXN: TRANSACTION
Lounge Access 2 Domestic and 1 International airport - 1 Complimentary Domestic Airport
Complimentary
Memberships

lounge access lounge per qtr (4 in a year)

0 8 / 0 4 -2024 -F& B -CC-I DFC-3

Golf • 4 rounds of green fees per - -

|
calendar year (1 round/1 mo)

RP: REWARD POINT

• 12 golf lessons per calendar
year (1 lesson/ month)

Insurance and Assistance • Air Accident Cover of ›1 crore* • Complimentary Roadside Assistance worth ›1,399
• Personal Accident Cover of • Personal Accident Cover of ›2 Lacs* (on doing atleast 1 txn in previous mo.)

|
CB: CASHBACK
›10 Lacs* • Cover of ›25K each on Lost card liability, Credit Shield & Purchase Protection.
• Lost Card Liability Cover of ›50K

Usage Benefits 1 CV Point on Fuel, Insurance, Utility, 2.5% value back (max: ›125/month) • 4% value back (max. ›400/mo.)
V ER

|
Rent & Wallet Load spend • 25% off on movie tickets up to ›100,

A B B - C V : C L U B V I S TA R A
once every month

Online Spends - - 25% discount on movie tickets up to

›100 on Paytm app (1/ month)

At Stores Up to 20% off on 1500+ restaurants 2X Rewards on other retail txn* 3X Rewards on other retail txn*

Extra Category Benefits • 10 CV Points on dining spends • IDFC FASTag Recharge : 15X • IDFC FASTag Recharge : 15X
on Birthday Rewards (Max. 200 Rewards/ cycle) Rewards (Max. 200 Rewards/ cycle)
• Forex mark-up of 2.99% on • 2.5% value back on IDFC FASTag • Dining discount of up to 20% across
international transactions upload (max. value ›50 per month) 1500 restaurants
Rewards & Cashback

• Trip cancellation cover of up to • Up to 15% discount at 3000 + • Upto 15% discount at 3000 + Health
›10K on flight & hotel bookings (2 Health and Wellness outlets* and Wellness outlets
claims annually) • UPI on CC : 2X Rewards • UPI on CC: 3X Rewards
• Forex Mark Up - 3.5% • Forex Mark Up - 3.5%
• Grocery & Utility: 15X Rewards • Grocery & Utility: 30X Rewards
(Max 400 Rewards per cycle) (Max 400 Rewards per cycle)

Milestone Bonus • 6 CV Points on spends up to ›1 L Additional HPCL Rewards (Happy Additional HPCL Rewards (Happy
• 4 CV Points on spends above ›1 L Coins): 6 Happy Coins /›100 spent Coins): 6 Happy Coins/›100 spent
• Up to 6000 CV points on min. using HP Pay App for fuel payment using HP Pay App for fuel payment
spends of ›30K in the 2nd, 3rd and using ‘Pay by QR code’ option & FIRST using the ‘Pay by QR code’ option and
4th statement cycles* Power Credit Card FIRST Power Credit Card

Fuel Surcharge Waiver Up to 400 per month (only on TXN of 21X Rewards on HPCL Fuel (Max 700 30X Rewards on HPCL Fuel (Max
›200 to ›5000) Rewards per cycle, incl. of 1% equivalent 2400 Rewards/cycle, incl. of 1%
rewards for fuel surcharge waiver) rewards for fuel surcharge waiver)

Redemption Value 1 CV = ›0.80* (on ›200 spend) 1 Reward Point = ›0.25 (on ›150 spent)

Other Benefits 300+ Merchant offers, all year long®

* Tn C A p p l y
* Tn C A p p l y
 IMPORTANT POINTS TO
REMEMBER WHILE SOURCING
IDFC FIRST BANK CREDIT CARDS

Stages of Application Points to Note

Processing

Personal Details Page Request Customer to put his Name as per Aadhaar, DOB & Mobile No. on which he
needs the Alerts to come through
Occupation Page Request customer to insert their Income, Employer details & also if they have any
other Bank Credit Card for getting a Provisioned Offer on our Credit Card

Soft Offer Page Once the customer has got a Provisioned Offer and they have to select a Card offer.
Income documents, Card Statement & Bank statement may required for the offer

Doc Upload • Customer has to Upload Document basis the Offer selected

A. Card Statement: Last 2 months Card Statement along with Bank Password

B. Bank Statement: The Bank Statement has to be of 3 months.

For example: Statement from July till Sept if applying in Oct month

• PDF has to be less than 2 MB

• Statement has to be downloaded from Net Banking / Mobile Banking

VKYC Stage The Customer has to complete the VKYC process - Two options are given to
Customer:

A. Connect Now: Customer can connect on VKYC by clicking the SMS

09/04 - 2 02 2 -O NE RPAG ER-IDF C- PRO CESS-1

received & complete the process in real time

B. Schedule Later: The Customer has to schedule the call within 72 hours and
connect at scheduled time by clicking on the SMS received

Schedule VKYC Later The customer has to connect at the scheduled time & connect with PAN & Aadhaar
Card copy to verify their details

After Agent Calls the Customer If the Customer is dropped, the Customer can again re-start the VKYC via the link
in Schedule Later and Drop off sent while completing the journey
Scenarios VKYC Link: http://www.idfcfirstbank.com/credit-card/vkyc1
V ER

FI Initiated Inform the Customer to update the correct address via clicking on the link sent in the
SMS
FI Curing Link : www.idfcfirstbank.com/fi-curing/fi-curing-landing