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Features of IDFC FIRST Instant Gratification Credit Card

  • Fuel Savings and Rewards Structure:
    The IDFC FIRST HPCL Power Plus Credit Card offers up to 6.5% savings on fuel purchases at HPCL outlets. This includes 30 reward points for every ₹150 spent on HPCL fuel, diesel, and LPG (capped at 2400 points per month) plus 1.5% cashback via HP Pay App (6 Happy Coins per ₹100, capped at 600 coins monthly). The 1% fuel surcharge waiver on direct HPCL transactions (up to ₹100/month) further reduces fuel costs.
  • Rewards on Everyday Spending:
    Earn 5% rewards (30 points/₹150) on groceries and utility bills (capped at ₹2000/month) and FASTag recharges (₹1000/month). All other retail spends earn 3X rewards (3 points/₹150) with no cap. The card's RuPay network supports UPI transactions at the same reward rates, integrating seamlessly with digital payments.
  • Lifestyle and Travel Privileges:
    Enjoy one complimentary domestic airport lounge visit quarterly (after ₹20,000 spend in previous month), 25% movie discounts (up to ₹100/month via Paytm), and four annual roadside assistance services (worth ₹1399). Car rental discounts include 50% off on chauffeur-driven rentals and ₹1000 off ZoomCar bookings.
IDFC FIRST Wealth Credit Card
    • Contactless Payment Support: The IDFC FIRST Instant Gratification Credit Card supports contactless transactions, allowing users to make quick and secure payments by simply tapping their card at compatible POS terminals. This feature, which must be activated via the bank’s mobile app or net banking portal, enhances convenience for everyday transactions, such as grocery shopping or dining. The contactless feature aligns with modern payment trends, offering a seamless and hygienic payment experience.
    • UPI Integration for Digital Payments: In line with India’s digital payment revolution, the card can be linked to UPI apps, enabling cardholders to make instant payments at over 60 million merchants. Users can earn 1% cashback on UPI transactions made through the IDFC FIRST Bank mobile app, with additional rewards on third-party UPI apps. This feature caters to tech-savvy users who prefer UPI for small-ticket transactions, combining the convenience of digital payments with credit card benefits.
    • Complimentary Lounge Access: The card provides complimentary lounge access to both domestic and international airport lounges. Cardholders can enjoy up to four lounge visits per quarter by meeting a minimum spend requirement of ₹20,000 in the previous calendar month. This feature is a boon for frequent travelers, offering a comfortable and luxurious experience at airports, complete with amenities like free Wi-Fi, food, and beverages.
    • Movie and Dining Discounts: Entertainment enthusiasts will appreciate the card’s movie ticket offers, which include a 25% discount (up to ₹100) on tickets booked via the Paytm mobile app or Zomato’s District app, available once per month. Additionally, cardholders can enjoy up to 20% off at over 1,500 partner restaurants across India, making dining out more rewarding. These discounts enhance the card’s appeal for lifestyle-focused users.
    • Comprehensive Insurance Coverage: The card comes with extensive insurance benefits, including:
      • Personal accident cover of up to ₹10 lakh.
      • Lost card liability cover of up to ₹50,000.
      • Travel insurance covering loss of passport, flight delays, and baggage issues.
      • Complimentary roadside assistance worth ₹1,399, available up to four times a year.

    • Low and Dynamic Interest Rates: The card offers low interest rates, starting at 0.75% per month (9% per annum) and going up to 3.99% per month, depending on factors like credit score and repayment behavior. This is significantly lower than the industry average of 3–4% per month, making it easier for cardholders to manage outstanding balances without incurring excessive interest charges.
    • Instant EMI Conversion: For high-value purchases, the card allows instant EMI conversion on transactions as low as ₹2,500. Cardholders can choose flexible tenures ranging from 3 to 48 months, with interest rates starting at 1% per month. This feature is particularly useful for big-ticket purchases like electronics or travel bookings, enabling users to spread payments over time without straining their finances.
    • Robust Mobile Banking Integration: The IDFC FIRST Bank mobile app enhances the card’s functionality by offering features like:
      • Real-time transaction tracking and statement downloads.
      • Card control settings to manage online, contactless, and international transactions.
      • Autopay setup for hassle-free bill payments.
      • Reward point redemption through an intuitive portal.
    • Welcome Benefits: New cardholders are greeted with welcome benefits, including:
      • A ₹500 gift voucher from brands like Amazon, Uber, or Bigbasket upon spending ₹5,000 within 30 days of card issuance.
      • 5% cashback (up to ₹1,000) on the first EMI transaction within 30 days.
    • Fuel Surcharge Waiver: The card offers a 1% fuel surcharge waiver on fuel transactions, helping cardholders save on fuel expenses. This feature is particularly beneficial for frequent drivers, as it reduces the cost of refueling at petrol pumps across India.
    • Secured Credit Card Option: For those with limited credit history, the card can be availed as a secured credit card against a fixed deposit of ₹5,000 or more. This option, known as the FIRST EA₹N Credit Card, provides a credit limit equal to 100% of the FD amount while earning interest of up to 7.25% per annum. This feature makes the card accessible to a broader audience, including those new to credit.
    • Customizable Card Controls: Cardholders can customize card settings through the mobile app or net banking, enabling or disabling features like international transactions, online payments, or contactless payments. This level of control enhances security and allows users to tailor the card to their specific needs.
    • Eco-Friendly Card Design: The card’s new design, introduced for cards issued from December 24, 2024, is inspired by customer journeys and milestones. Made from sustainable materials, it reflects IDFC FIRST Bank’s commitment to eco-friendly banking without compromising on aesthetics or functionality.
    • 24/7 Customer Support: The card is backed by 24/7 customer support via the bank’s toll-free number and email. This ensures that cardholders can resolve issues or seek assistance at any time, enhancing the overall user experience.
    • Integration with Wearable Devices: The card supports integration with wearable payment devices, allowing users to make contactless payments via smartwatches or fitness bands. This futuristic feature caters to tech enthusiasts who prefer innovative payment methods.
    • Transparent Billing and Statements: The card offers transparent billing with clear, detailed statements accessible via the mobile app or net banking. Cardholders can track their spending, rewards, and dues effortlessly, ensuring there are no hidden charges or surprises.
IDFC FIRST Wealth Benefits

Benefits of IDFC FIRST Instant Gratification Credit Card

  • 1. Fuel and Mobility Savings:
    • Significant Fuel Savings: The card offers up to 6.5% savings on fuel purchases at HPCL outlets, combining 5% reward points (30 points per ₹150 spent, capped at ₹12,000 monthly) and 1.5% cashback (6 Happy Coins per ₹100) via the HP Pay App. This can translate to annual savings of up to ₹18,500, or over 175 liters of fuel, perfect for frequent drivers.
    • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver capped at ₹100 per billing cycle on direct transactions at HPCL pumps, reducing the effective fuel cost.
    • FASTag Recharge Rewards: Earn 5% rewards on IDFC FIRST FASTag recharges up to ₹1000 monthly, benefiting frequent toll road commuters.
    • Entertainment and Dining Savings:
    • The card offers movie ticket discounts of 25% (up to ₹100) once a month on platforms like Paytm or Zomato’s District app, making movie outings more affordable.
    • 20% discounts at over 1,500 partner restaurants across India enhance the dining experience, allowing cardholders to enjoy gourmet meals at reduced costs.
    • These benefits cater to lifestyle-focused users who value entertainment and socializing.
    • Comprehensive Insurance Protection:
    • Personal accident cover of up to ₹10 lakh, safeguarding against unforeseen accidents.
    • Lost card liability cover of up to ₹50,000, protecting against unauthorized transactions.
    • Travel insurance covering flight delays, lost baggage, and passport loss.
    • Roadside assistance worth ₹1,399, available up to four times a year.
    • These benefits offer peace of mind, ensuring cardholders are financially secure in various scenarios.
    • Flexible EMI Options:
    • The instant EMI conversion feature allows cardholders to convert purchases of ₹2,500 or more into affordable EMIs with tenures ranging from 3 to 48 months.
    • Interest rates start at 1% per month, making big-ticket purchases manageable, whether for electronics, travel, or home appliances.
    • The flexibility to choose repayment terms enhances financial planning.
    • Low Interest Rates for Better Debt Management:
    • Interest rates start at 0.75% per month (9% per annum), a significant advantage for those who occasionally carry a balance.
    • Compared to the industry average of 3–4% per month, this reduces the cost of borrowing.
    • Makes it easier to manage credit card dues without accumulating excessive interest.
    • Cashback on UPI Transactions:
    • Offers 1% cashback on transactions made via the IDFC FIRST Bank mobile app.
    • 0.5% cashback on third-party UPI apps.
    • This benefit encourages digital payments and provides tangible savings on everyday purchases such as groceries, utility bills, or small retail transactions.
    • Welcome Offers for New Users:
    • New cardholders receive a ₹500 gift voucher from brands like Amazon or Bigbasket upon spending ₹5,000 within 30 days.
    • 5% cashback (up to ₹1,000) on the first EMI transaction within 30 days.
    • These incentives make the card rewarding from the outset, encouraging early adoption and usage.
    • Fuel Savings:
    • 1% fuel surcharge waiver on fuel transactions helps cardholders save on petrol and diesel expenses.
    • Particularly valuable for frequent drivers, reducing the cost of refueling at petrol pumps across India.
    • Secured Card Option for Credit Building:
    • The card’s secured variant (FIRST EA₹N) allows users to obtain a credit card against a fixed deposit of ₹5,000 or more.
    • Earns up to 7.25% interest on the FD, making it a dual-benefit feature for credit builders.
    • Enhanced Security Features:
    • Customizable security settings through the mobile app, allowing users to enable or disable online, contactless, or international transactions.
    • Minimizes the risk of fraud and unauthorized usage.
    • Provides cardholders with greater control over their card’s security.
    • Digital Convenience via Mobile App:
    • Real-time spending alerts and transaction history.
    • Statement downloads and bill payment options.
    • Reward point tracking and redemption.
    • Autopay setup to avoid late payment fees.
    • This digital integration ensures a seamless and user-friendly experience, particularly for tech-savvy users.
    • Eco-Friendly Design:
    • The card’s sustainable design, introduced for new cards issued from December 24, 2024, reflects IDFC FIRST Bank’s commitment to environmental responsibility.
    • Made from eco-friendly materials, it combines aesthetics with sustainability, appealing to environmentally conscious consumers.
    • Complimentary Roadside Assistance:
    • Complimentary roadside assistance worth ₹1,399, available up to four times a year.
    • Covers services like towing, flat tire assistance, and fuel delivery, ensuring cardholders are supported during vehicle-related emergencies.
    • Merchant Offers and Discounts:
    • Access to over 300 merchant offers, including discounts on shopping, travel, and lifestyle brands.
    • These curated deals, available year-round, enhance the card’s value by offering savings on a wide range of purchases.
    • Interest-Free Cash Withdrawals:
    • Interest-free cash withdrawals for up to 48 days, allowing cardholders to access cash without immediate interest charges.
    • This feature is useful for emergencies, providing flexibility without the burden of high interest rates.
    • Global Acceptance:
    • As a Visa or Mastercard variant, the card is accepted at millions of merchants worldwide.
    • Ensures cardholders can use it for both domestic and international transactions.
    • This global acceptance adds to its versatility, particularly for travelers and online shoppers.
    • Conclusion: The IDFC FIRST Instant Gratification Credit Card’s benefits are tailored to deliver financial savings, lifestyle enhancements, and peace of mind.
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How to Apply for IDFC FIRST Instant Gratification Credit Card

  • Online Application via IDFC FIRST Bank Website:
    • Visit the Credit Card Section: Navigate to the ‘Personal Banking’ section and select ‘Credit Cards.’ Locate the IDFC FIRST Instant Gratification Credit Card.
    • Check Eligibility: Click on the ‘Check Eligibility’ or ‘Apply Now’ button. Enter basic details like your name, mobile number, email, and PIN code to verify eligibility.
    • Fill the Application Form: Complete the online application form with personal, professional, and financial details, such as income, employment status, and address.
    • Upload Documents: Upload scanned copies of required documents (e.g., Aadhaar, PAN, income proof) directly on the portal.
    • Verify OTP: An OTP will be sent to your registered mobile number for verification. Enter it to proceed.
    • Submit Application: Review your details and submit the application. You’ll receive an application reference ID via SMS or email for tracking.
    • The online process is paperless and typically takes 5–10 minutes, making it ideal for tech-savvy applicants.
  • Application via IDFC FIRST Bank Mobile App:
    • Download the App: Install the app from the Google Play Store or Apple App Store.
    • Log In or Register: Existing customers can log in; new users must register with their mobile number and email.
    • Navigate to Credit Cards: Go to the ‘Credit Cards’ section and select the Instant Gratification Credit Card.
    • Complete the Form: Fill in the application form with personal and financial details.
    • Upload Documents: Use the app’s document upload feature to submit KYC and income proof.
    • Verify and Submit: Verify your details with an OTP and submit the application.
    • The app provides real-time updates on application status, enhancing transparency and convenience.
  • Offline Application at a Bank Branch:
    • Locate a Branch: Find the nearest branch using the bank’s website or mobile app.
    • Visit the Branch: Carry original and photocopies of required documents (e.g., Aadhaar, PAN, salary slips).
    • Request Application Form: Ask for the credit card application form and specify the Instant Gratification Credit Card.
    • Fill and Submit: Complete the form with assistance from a bank representative and submit it along with documents.
    • KYC Verification: The bank will verify your KYC details in person.
    • Receive Reference ID: You’ll receive an application reference ID for tracking.
    • This method is suitable for applicants who need guidance or lack access to digital platforms.
  • Application via Third-Party Platforms:
    • Visit the Platform: Go to the credit card section of the chosen platform.
    • Select IDFC FIRST Card: Choose the Instant Gratification Credit Card from the list.
    • Check Eligibility: Enter basic details to view pre-qualified offers.
    • Fill Application: Complete the online form and upload documents.
    • Submit and Track: Submit the application and track its status via the platform’s dashboard.
    • These platforms often provide comparative tools to help you evaluate the card against other options, making the decision process easier.
  • Tracking Application Status:
    • Online: Visit the IDFC FIRST Bank website, go to ‘Track Application,’ and enter your application ID and mobile number.
    • Mobile App: Check the ‘Application Status’ section in the app.
    • The bank typically processes applications within 7–14 working days, with the card delivered to your registered address within 14–20 working days post-approval.
  • Activating the Card:
    • Mobile App: Log in, go to ‘Manage Card,’ and select ‘Set PIN.’
    • Customer Care: Follow IVR instructions to set a PIN.
    • Net Banking: Log into net banking, navigate to ‘Credit Card,’ and activate the card.
    • Activation is mandatory before using the card for transactions.
  • Tips for a Successful Application:
    • Maintain a Good Credit Score: A CIBIL score of 750 or above is ideal.
    • Provide Accurate Details: Ensure all information matches your documents to avoid rejection.
    • Meet Income Criteria: Verify that your monthly income meets the card’s requirements (typically ₹25,000 or more).
    • Clear Existing Debts: A low debt-to-income ratio improves eligibility.
    • Submit Complete Documents: Incomplete documentation can delay or derail the process.
  • Post-Application Support:
    • If you face issues during the application process, contact IDFC FIRST Bank’s customer care or email. For escalations, reach out to the nodal officer.
  • Secured Card Application (FIRST EA₹N):
    • Open a Fixed Deposit: Fund an FD of ₹5,000 or more via the bank’s website, app, or branch.
    • Apply for the Card: Select the FIRST EA₹N Credit Card during the application process.
    • Complete KYC: Submit KYC documents for instant approval.
    • Receive Virtual Card: The card is issued digitally, with a credit limit equal to 100% of the FD.
    • This option requires minimal documentation and is ideal for credit beginners.
  • Common Application Challenges and Solutions:
    • Low Credit Score: Opt for the secured variant or improve your score before applying.
    • Document Mismatch: Ensure all documents reflect the same details (e.g., name, address).
    • Income Verification: Provide recent salary slips or ITRs to validate income.
    • Technical Issues: Clear browser cache or try applying via the mobile app if the website fails.

Eligibility Criteria for IDFC FIRST Instant Gratification Credit Card

  • 1. Age Requirement
    • Minimum age: 18 years (21 years for premium variant)
    • Upper age limit typically 60 years
    • Add-on cardholders must be at least 18 years old
  • 2. Residential Status
    • Available to Indian residents and NRIs
    • Indian residents must have a permanent residential address
    • NRIs need additional documentation (passport, overseas address proof)
  • 3. Income Requirements
    • Minimum ₹25,000/month for salaried individuals
    • Minimum ₹36 lakh/year for self-employed individuals
    • Documents: Salary slips, bank statements for salaried; ITRs for self-employed
  • 4. Credit Score and History
    • Preferred credit score: 750 or above (CIBIL)
    • Credit utilization ratio: below 30%
    • Fewer hard credit inquiries improve chances
    • Secured variant available for no/low credit history applicants
  • 5. Employment Status
    • Salaried: Minimum 6 months to 1 year continuous employment
    • Self-employed: Minimum 3 years business with consistent profitability
  • 6. Debt-to-Income Ratio
    • Ideally below 40% for existing debts
  • 7. Nationality
    • Only Indian citizens and NRIs eligible
    • Foreign nationals usually not eligible
  • 8. Banking Relationship with IDFC FIRST Bank
    • Existing customers with savings, FD, or loans get priority
  • 9. Secured Card Eligibility (FIRST EA₹N variant)
    • Minimum fixed deposit: ₹5,000
    • Age: 18 years and above
    • Indian resident with valid KYC
  • 10. Internal Policy Checks
    • Risk assessment and fraud verification
    • Review of previous rejections
  • 11. Additional Criteria for Premium Variants
    • Higher income requirements (e.g., ₹36 lakh/year)
    • Corporate salary customers may need ₹5 lakh monthly salary credit
    • Relationship value considered
  • 12. Tips to Improve Eligibility
    • Boost credit score by timely payments
    • Increase income proof
    • Clear outstanding debts
    • Build banking relationships
    • Consider secured card if unsecured is denied
  • 13. Common Eligibility Challenges
    • Low credit score – improve or apply for secured card
    • Income below threshold – provide additional proofs
    • High debt levels – repay or consolidate
    • Ensure all documents are complete and valid
  • 14. Checking Eligibility
    • Bank website and mobile app
    • Third-party pre-qualification platforms
    • Customer care assistance
  • 13. Mobile Number and Email ID
    • Applicants must have a valid mobile number and email ID for communication and verification purposes
    • Contact details should be active and linked to the applicant's KYC documents
  • 14. PAN Card Requirement
    • Permanent Account Number (PAN) card is mandatory as per RBI guidelines
    • Must be submitted during the application process for identity verification
  • 15. Address Proof
    • Applicants need to submit valid proof of address such as Aadhaar card, Passport, Voter ID, or utility bills
    • Address should ideally remain consistent for at least 6 months prior to application
  • 16. KYC Compliance
    • Complete KYC (Know Your Customer) verification is mandatory before card issuance
    • KYC documents must be self-attested and valid as per regulatory norms
  • 17. No Pending Legal Issues
    • Applicants should not have any pending legal issues or criminal records that could affect creditworthiness
  • 18. Minimum Work Experience
    • For salaried individuals, at least 1 year of work experience is preferred in the current employment
    • Self-employed applicants should have consistent business operations with profitable track record
  • 19. Debt Consolidation Preference
    • Applicants with consolidated debts or manageable EMIs have higher chances of approval
    • Multiple outstanding loans without proper repayment history may lower eligibility
  • 20. Co-applicant Option
    • Some card variants may allow co-applicants or joint applications to improve eligibility
    • Co-applicant must meet minimum eligibility criteria independently
  • 21. Credit Card Usage History
    • Previous positive credit card usage and repayment history with other banks can boost approval chances
    • Frequent defaults or maxing out limits reduce the likelihood of approval
  • 22. Residence Type
    • Preference may be given to applicants residing in owned or rented accommodation with proper proof
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Documents Required for IDFC FIRST Instant Gratification Credit Card

  • 1. Proof of Identity (Any One):
    • Aadhaar Card: Must include full Aadhaar number or masked Aadhaar for privacy
    • PAN Card: Mandatory for financial transactions and tax purposes
    • Passport: Valid for Indian residents and NRIs
    • Voter ID: Issued by the Election Commission of India
    • Driving License: Must be valid and issued by a recognized authority
  • 2. Proof of Address (Any One):
    • Aadhaar Card: Can serve as both identity and address proof if current
    • Passport: Must reflect the current residential address
    • Utility Bills: Electricity, water, or gas bills not older than 3 months
    • Bank Account Statement: Issued by a recognized bank, reflecting the applicant’s address
    • Rental Agreement: Registered agreements preferred for tenants
    • Voter ID: Must show the current address
  • 3. Proof of Income:
    • Salaried Individuals:
      • Latest 3 months’ salary slips
      • Bank statement (last 6 months) showing salary credits
      • Form 16 from employer for latest financial year
    • Self-Employed Individuals:
      • Income Tax Returns (ITRs) for last 2 years with income computation
      • Audited Balance Sheet and Profit & Loss statements for last 2 years
      • Bank statement (last 6 months) of business account
      • Business proof like Shop Act License, GST registration, or Partnership Deed
  • 4. Photograph:
    • Recent passport-sized photograph with a plain background (taken within last 6 months)
    • Digital upload allowed for online applications; physical copies may be required offline
  • 5. Application Form:
    • Duly filled credit card application form (digital for online, physical for branch applications)
    • Includes personal, employment, and financial details with consent for credit bureau checks
  • 6. Additional Documents for NRIs:
    • Valid Passport with visa details
    • Overseas address proof (utility bills or bank statements)
    • NRI bank account statement (last 6 months)
    • Work permit or residence visa to verify legal residency
  • 7. Documents for Secured Card (FIRST EA₹N):
    • Fixed Deposit Receipt (FD) of ₹5,000 or more with IDFC FIRST Bank
    • Identity Proof (Aadhaar, PAN, or Passport)
    • Address Proof (Aadhaar, utility bill, or Passport)
    • Completed KYC form for FD account holders
  • 8. Document Submission Guidelines:
    • Upload clear digital copies (PDF/JPEG) under 2MB for online applications
    • Submit self-attested photocopies with originals for verification at branches
    • Ensure name, address, and details match across all documents
    • Utility bills or bank statements should be recent (not older than 3 months)
  • 9. Verification Process:
    • KYC checks against government databases
    • Income validation through salary credits or ITRs
    • Credit bureau check (CIBIL/Experian)
    • Fraud detection and document authenticity verification
    • Processing time: Typically 3–7 working days
  • 10. Tips for Smooth Document Submission:
    • Organize documents before applying
    • Verify all personal details for consistency
    • Use latest documents for address and income proofs
    • Consult bank customer care if unsure about any requirement
    • Keep alternative proofs ready (e.g., Voter ID if Aadhaar unavailable)

Factors to Consider for IDFC FIRST Instant Gratification Credit Card

  • High Spenders: 10X reward points on spends above ₹20,000 and birthday transactions are ideal for those with significant monthly expenses.
  • Travel Enthusiasts: Complimentary lounge access and a 1.5% forex markup fee benefit frequent travelers.
  • Entertainment Lovers: Movie and dining discounts (25% on tickets, 20% at restaurants) suit those who prioritize leisure.
  • Digital Users: UPI cashback and online transaction rewards cater to tech-savvy spenders.
  • Evaluate whether these benefits align with your lifestyle to maximize value.
  • Spending Needs: Ensure the limit covers your monthly expenses without encouraging overspending.
  • Credit Utilization: A higher limit can improve your credit score if kept below 30% utilization.
  • Shared Limits: If you hold multiple IDFC FIRST cards, the limit is shared, which may restrict usage.
  • Contact the bank post-approval to request a limit increase if needed.
  • Repayment Habits: If you carry a balance, the interest rate (0.75%–3.99% per month) can add up. Aim to pay in full to avoid charges.
  • Cash Advance Fees: ₹199 fee per cash withdrawal transaction, plus interest after 48 days.
  • Late Payment Fees: Charges are 15% of the amount due (minimum ₹100, maximum ₹1,250). Set up autopay to avoid penalties.
  • Understanding these charges helps manage costs effectively.
  • Lifetime-Free Status: No annual or joining fees, making it cost-effective.
  • Secured Variant Fees: FIRST EA₹N card has ₹499 + GST joining fee and annual fee from second year.
  • Hidden Costs: Other charges (forex fees, EMI interest) may apply. Review fee schedule on bank’s website.
  • Credit Score: 750+ CIBIL score ideal; consider secured variant if lower.
  • Income: ₹25,000/month (salaried) or ₹36 lakh/year (self-employed) threshold.
  • Debt Levels: Low debt-to-income ratio improves approval odds.
  • Documentation: Complete and consistent documents to avoid rejection.
  • Use bank’s eligibility checker before applying.
  • Grace Period: Up to 48 days interest-free if full balance paid on time.
  • Minimum Payment: Paying minimum incurs interest on remaining balance.
  • EMI Conversion: Purchases can be converted to EMIs with ~1%+ interest.
  • Set reminders to avoid late payments.
  • Transaction Tracking: Real-time spending monitoring.
  • Security Controls: Enable/disable online/international transactions.
  • Reward Redemption: Redeem points easily via app.
  • Autopay: Automate bill payments to avoid penalties.
  • Low Forex Fee: 1.5% markup fee for overseas spending.
  • Global Acceptance: Visa/Mastercard widely accepted worldwide.
  • Lounge Access: Complimentary visits for enhanced travel experience.
  • Travel Insurance: Covers flight delays, baggage loss, etc.
  • ₹10 lakh accident cover, roadside assistance.
  • Customizable security controls and lost card liability cover.
  • Great for frequent travelers or drivers.
  • FD-Based Card: Requires no credit score, ideal for beginners.
  • Lower Risk: Credit limit equals fixed deposit amount.
  • Interest Earnings: Earn up to 7.25% p.a. on FD.
  • 24/7 support and responsive email for prompt assistance.
  • Compare rewards rate, fees, and benefits with competitors like HDFC, Axis, SBI.
  • Use platforms like Logintoloans for side-by-side comparisons.
  • Non-expiring reward points ensure ongoing value.
  • Benefits should stay relevant as spending evolves.
  • Credit limit scalability with income growth.
  • Eco-friendly card design.
  • IDFC FIRST Bank’s reputation for customer-centric service.
  • Good choice if sustainability and brand trust matter.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Instant Gratification Credit Card?
The IDFC FIRST Instant Gratification Credit Card is a digital-first credit card that offers instant issuance and immediate access to rewards, cashback, and lifestyle benefits.
2. How can I apply for the Instant Gratification Credit Card?
You can apply online through the IDFC FIRST Bank website or mobile app with basic KYC and income details. Instant approval is available for eligible applicants.
3. Is there a joining or annual fee?
The card usually comes with no joining fee and no annual fee, but it's best to check current offers as they may vary.
4. When do I receive the card benefits?
Benefits such as welcome vouchers or cashback offers are provided instantly after card activation or first spend.
5. What are the key features of this credit card?
Features include instant issuance, reward points on every spend, welcome benefits, EMI conversion options, and contactless payments.
6. Is there a physical card issued?
Yes, a physical card is sent to your address after digital issuance. You can use the virtual card immediately for online transactions.
7. What documents are required to apply?
You typically need PAN, Aadhaar, and income proof (like salary slips or bank statements) for verification.
8. What is the eligibility criteria?
Eligibility is based on age (usually 21 to 60), a stable income, and a good credit score. Specific criteria may vary.
9. What is the credit limit for this card?
The credit limit is determined based on your income, credit history, and IDFC FIRST Bank’s internal assessment.
10. How are reward points earned and redeemed?
You earn reward points on every transaction and can redeem them for shopping, travel, and more via the IDFC rewards portal.
11. Is this card accepted internationally?
Yes, it is accepted globally wherever Visa/Mastercard (depending on the card variant) is accepted.
12. How can I track my spending and rewards?
You can track all your transactions, statements, and rewards through the IDFC FIRST Bank mobile app or internet banking.
13. Can I convert transactions to EMIs?
Yes, eligible transactions can be converted into EMIs through the app or customer service.
14. What is the interest rate on this card?
The interest rate varies based on your credit profile, usually starting from around 0.75% to 3.5% per month.
15. What should I do if my card is lost or stolen?
Immediately report the loss via the IDFC FIRST mobile app, website, or customer care to block the card and prevent misuse.

List of IDFC FIRST Instant Gratification Credit Card Branches in Tamil Nadu

  • Tamil Nadu - Mettur
  • Tamil Nadu - Nagercoil
  • Tamil Nadu - Namakkal
  • Tamil Nadu - Pattukottai
  • Tamil Nadu - Perambalur
  • Tamil Nadu - Pollachi
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