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IDFC First Credit Card Offers
Earn Rewards, enjoy Cashback offers, and manage finances eff...
Upto ₹700 Rewards
on Credit Card Activation
IDFC First Credit Card Benefits
1Lifetime Free
2Up to 10X Reward Points
3Up to 16 Railway Lounge Access in a year
Important Timelines
Important Terms & Conditions
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- Referral earnings are not applicable on IDFC Bank Credit Cards
Rewards Rates
How to Get This Offer?
Eligibility Criteria
- Age: 21 to 65 years
- Employment: Both salaried and self-employed individuals
- Salaried Income: Rs.25,000/monthly
- Self Employed: Rs. 3,00,000 /annum
- Credit Score: 720+
- New-to-Credit: Not Allowed
Fees & Charges
- Joining Fee-Nil
- Joining Fee-Nil
Documents Needed
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
Steps to Apply
- Click on the orange button
- You will be redirected to the IDFC Bank Credit Cards page
- Complete the application in the same session
Terms & Conditions
IDFC First Credit Card Benefits
1Lifetime FREE - No Joining or Annual fee
2Earn 3X Reward Points on eligible online and offline spends up to ₹20,000 per statement cycle. Earn 10X Reward Points on Dining, Travel and International spends, as well as on Birthday spends. Utility, Insurance,IDFC FASTag and Railway transactions earn 1X Reward Points, while Fuel, EMI transactions and Cash Withdrawals do not earn Reward Points. Reward Point Value: ₹0.25 per point.
3Enjoy 4 complimentary railway lounge visits every quarter (16 visits annually). To unlock the benefit, spend ₹20,000 or more in the previous calendar month.
4Spend ₹5,000 within 30 days of card activation and receive a ₹500 welcome voucher (choice of partner brands). Also get 5% cashback (up to ₹1,000) on your first EMI transaction within 30 days of card activation.
5Receive complimentary roadside assistance worth ₹1,399, covering towing, flat tyre assistance, battery jump-start, emergency fuel delivery and related roadside services
6Reward Points are valid for 24 months from the credit date. For instance, points earned in the July 2026 cycle will be valid till June 2028. Existing balances as of July 2026 will also remain valid for 24 months. Points can be redeemed for flights, hotels, vouchers, merchandise, and more. A ₹99 + GST fee applies per redemption.
7Save up to 20% at 1,500+ partner restaurants across India through the bank's dining programme.
8Joining Fee: Nil & Annual Fee: Nil
Rewards Tracking Timeline
Your Rewards are added once the bank sends us the application completion report. This takes up to 72 hours after you complete the card application.
Rewards Confirmation Timeline
Once your card is activated, the bank shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the card.
Accept App Orders?
Orders placed on IDFC First Credit Card app are eligible for Rewards
Accept App Orders?
Orders placed on IDFC First Credit Card app are not eligible for Rewards