Go global & pay #LikeALocal on every
international spend
WOW! WOW!
Experience Starts Now Privileges you deserve
WOW! WOW!
Benefits like no other Offers like no other
WOW!
Rewards that take you places
WOW! Experience Starts Now
WELCOME BENEFIT
Get 5% Cashback up to ₹1,000 on the transaction value
₹ of first EMI done within 30 days of card generation
(applicable on direct EMI purchase or transaction
converted to EMI)
Convert transactions above ₹2,500
into EMIs basis eligibility
4 EASY STEPS TO MAKE THE MOST OF YOUR CARD
Download the IDFC FIRST Mobile Banking App
Generate the Credit Card PIN for merchant outlet &
ATM transactions
Enable your Credit Card
for online & contactless transactions
You can also call us on
1800 10 888 to activate your Credit Card
WOW! Benefits like no other
Life Time Free
0% Forex Lifetime free 0% interest on
Mark-up cash withdrawals*
for up to 45 days
100% cash
Low Interest rate Earn interest# on
withdrawal of your FD
starting at 8.5%** p.a.
FD value
*Cash Advance Fee of only INR 199 + applicable taxes is applicable per transaction.
**IDFC FIRST Bank offers dynamic interest rate (%APR) range from 8.5% p.a. to 46.2% p.a.
#For latest information regarding Fixed Deposits, please visit the Fixed Deposits web page
WOW! Rewards that take you places
4X Reward Points on 4X Reward Points on
online and offline spends* international spends
1X Reward Points on Instant Redemption at partner stores
insurance premium and online merchants at a minimal
and utility bill payments reward redemption fee of ₹99+ GST
Reward Points that never expire
1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
*Rewards Program is not applicable on Fuel, EMI transactions & Cash withdrawals
Education Surcharge: A 1% fee (minimum ₹249) will apply to education fee payments made through third-party
platforms such as CRED, PayTM, Cheq, MobiKwik, and others.
Rent Surcharge: A 1% surcharge of transaction value subject to minimum of ₹249 per transaction will be
applicable on Rental Spends
Utility Surcharge: A 1% surcharge on utility spends if utility spends in a statement cycle exceed ₹20,000
Click here for MITC
WOW! Privileges you deserve
Fuel surcharge waiver* of 1%, at all fuel stations across India,
up to ₹200/month
Complimentary Roadside Assistance worth ₹1,399
Personal Accident Cover of ₹2,00,000*
Lost Card Liability Cover of ₹25,000
Click here to know more
*1% fee on total fuel spends will be applicable if fuel spends exceed ₹30,000 in a statement cycle
WOW! Offers like no other
Enjoy offers & discounts on your favorite merchants,
every day of the week
Offers on 300+ merchants all year long
Dining discount of up to 20% across 1,500 restaurants
Click here to know more
*1% fee on total fuel spends will be applicable if fuel spends exceed ₹30,000 in a statement cycle
Make payments seamlessly with UPI
Earn
up to ₹200 cashback on the first 4
UPI transactions
Link your Credit Card to the UPI Earn More Rewards on
app of your choice in 4 easy steps: Your UPI Spends
Open preferred
1 UPI app
3X rewards on UPI
spends above ₹2,000
Go to the 'Account’ section
2 and select 'Add Credit Card'
Earn 1X rewards on UPI
spends below ₹2,000
3 Select 'IDFC FIRST Bank'
Earn 1X rewards on all utility*
4 Set UPI PIN
and insurance payments
Activate UPI
Scan to
activate
Copyright© 2025 IDFC FIRST Bank Ltd. All Rights Reserved.
Call 1800 10 888 or click https://idfcfir.st/ccpin
to generate your PIN and start enjoying the benefits
