•       Complimentary Domestic Airport Lounge access, twice every quarter*

•       Complimentary Railway Lounges access, 4 times every quarter

•       Fuel Surcharge waiver up to ₹300 per statement cycle for transactions between ₹200 to ₹5,000

•       Personal Accident Cover of ₹5,00,000

•       Purchase Protection Cover, Credit Shield & Lost card liability of ₹50,000

•       Travel Insurance cover of ₹ 4,000 each on Loss or Delay of Checked-In Baggage, Loss of Passport & other documents, and Delay in Flight

•       Complimentary Road-Side Assistance worth ₹1,399

Note – Airport lounge access is subject to ₹20,000 spent in the previous month.

•       Lifetime Free Credit Card

•       Lower interest rate starting at 9% P.A., in case you wish to carry forward your credit card balances

•       ATM cash withdrawals at ZERO interest until next due date, nominal cash withdrawal fee of ₹199 per withdrawal applicable

•  10X reward points on LIC Insurance premiums

•  5X reward points on your daily essentials like Grocery, Utility bills, Railway bookings, Education & Government payment (Capped to 600 RP pm)

•  45X Bonus Reward Points, over and above usual Credit Card Reward Points on booking hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App

•  20X Bonus Reward Points, over and above usual Credit Card Reward Points on booking flights via 'Travel and Shop' section on IDFC FIRST Bank Mobile App

•  5X reward points on other spends

•  Redeem reward points for any online purchase including for your next LIC Premium payment

•  Reward points have a validity of 3 years

•  1X = 1 Reward Point per ₹125 spent | 1 Reward Point = ₹0.25

•  Reward points are not applicable on Fuel, Rent & property management payments, ATM cash withdrawals, Non-LIC insurance premium and EMI transactions.

What should I do if my credit card is lost, stolen or damaged?

IDFC FIRST Bank offers the facility of blocking and unblocking your credit card from its mobile app or website. You can instantly block your card by following the steps below:

Via Mobile Banking / Internet Banking

1. Once logged in to Mobile/Internet banking, click on Credit Card

2. Select block your credit card option under quick actions menu.

3. Click on Permanent Block.

4. Click the checkbox for card replacement.

Note: Card replacement will incur a charge as per T&C

Via Link:

Click here to instantly block your credit card

Via Customer care:

Please reach on 1800 18 100.

How do I check my transaction history?                                                                                                                                                                                                                                                                                                                                                           

How do I change my card PIN?

Using the IDFC FIRST Bank Mobile App:

1. Log in: Open the IDFC FIRST Bank mobile app and log in. 

2. Navigate to Credit Cards: Go to the "Accounts" section and then select "Cards". 

3. Manage Card: Choose the specific credit card you want to manage and select "Manage Card". 

4. Set Preferences: Click on "Set Preferences". 

5. Set PIN: Select "Set PIN" to generate a new PIN or change your existing one. 

6. Follow prompts: Enter the required details, such as your card information and the new PIN, and confirm the action. 

Using Customer Service:

1. Call the toll-free number: Dial 1800 10 888.

2. Select language and option: Choose your preferred language and then select the option for "Bank Account details".

3. Authenticate: Authenticate yourself by entering your date of birth or existing PIN.

4. Select PIN generation: Choose the option for "PIN generation".

5. Create PIN: Enter your new 4-digit PIN and re-enter it for confirmation. 

Using an ATM:

1. Visit an ATM: Go to any IDFC FIRST Bank ATM and insert your credit card. 

2. Select option: Choose the "Forgot/Generate new ATM PIN" option. 

3. Enter OTP: Enter your registered mobile number and the OTP received on your phone. 

4. Set PIN: Follow the prompts to create your new PIN.