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Features of IDFC FIRST Platinum Credit Card

  • Lifetime-Free Card:
    The IDFC FIRST Platinum Credit Card has no joining, annual, or renewal fees, making it a cost-effective choice for long-term use.
  • Robust Rewards Program:
    Earn 10X Reward Points on spends above ₹20,000 per statement cycle and on birthday spends, 3X Reward Points on online and offline purchases up to ₹20,000 per month, and 1X Reward Points on utility bill payments.
  • Low Interest Rates:
    Features a competitive Annual Percentage Rate (APR) ranging from 8.5% to 46.2% per annum, determined based on your credit profile.
  • Contactless Transactions:
    Equipped with contactless payment technology for quick and secure transactions at enabled POS terminals.
  • Lounge Access:
    Enjoy complimentary domestic lounge access at select airports in India by spending ₹20,000 in the previous calendar month (up to two visits per quarter).
Credit Card Promotion
    • Movie Discounts: Buy-One-Get-One (BOGO) offer on movie tickets purchased through the District app by Zomato, with a discount of up to ₹250 on the second ticket (valid twice a month).
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹250 per statement cycle.
    • EMI Conversion Options: Convert high-value transactions into EMIs with flexible tenures ranging from 3 to 48 months. First EMI transaction within 90 days of card setup earns 5% cashback.
    • Cash Withdrawal Facility: Allows cash withdrawals at ATMs with an interest-free period of up to 45 days (cash advance fee of ₹199 + GST per transaction).
    • Comprehensive Insurance Covers: Includes Personal Accident Cover of up to ₹2 lakh and Travel Insurance covering loss of checked-in baggage, flight delays, and more.
    • Dining Discounts: Up to 20% discounts at over 1,500 partner restaurants across India.
    • Merchant Offers: 300+ merchant offers across shopping, travel, and lifestyle categories available throughout the year.
    • Interest-Free Period: Up to 48 days interest-free credit period when the outstanding balance is paid in full by the due date.
    • Low Forex Markup Fee: 1.5% forex markup fee on international transactions (lower than industry standard).
    • UPI Integration: Supports UPI payments through RuPay variant (annual fee of ₹199), earning 3X reward points on UPI transactions.
    • Complimentary Add-On Card: Get add-on cards for family members without additional fees.
    • Secure Transactions: EMV chip and PIN authentication for enhanced security.
    • Welcome Benefits: Gift vouchers worth ₹500 upon spending ₹15,000 within 90 days of card setup.
    • Online and Mobile Banking: Manage card, track spending, redeem rewards, and set transaction limits through mobile app.
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Benefits of IDFC FIRST Platinum Credit Card

  • 1. Cost Savings:
    • Lifetime Free: No joining or annual fees saves money compared to other cards.
    • Low Forex Markup: Just 1.5% on international transactions vs standard 3-3.5%.
  • 2. Rewards & Lifestyle:
    • 10X Reward Points: Earn on spends above ₹20,000/month and birthday spends.
    • Lounge Access: Complimentary domestic lounge visits after ₹20,000 monthly spend.
    • Entertainment Savings: The BOGO movie ticket offer reduces entertainment costs, making movie outings more budget-friendly. This benefit appeals to younger cardholders and families who frequent cinemas.
    • Fuel Cost Reduction: The 1% fuel surcharge waiver lowers fuel expenses, offering savings of up to ₹3,000 annually for regular drivers. This is particularly valuable given rising fuel prices.
    • Flexible Payment Options: The EMI conversion facility allows cardholders to spread the cost of large purchases over 3 to 48 months, with 5% cashback on the first EMI transaction.
    • Emergency Cash Access: The cash withdrawal facility with a 45-day interest-free period provides a safety net during financial emergencies. The low cash advance fee ensures affordability compared to other cards.
    • Dining Privileges: 20% discounts at over 1,500 restaurants nationwide make dining out more affordable, benefiting food enthusiasts and professionals who entertain clients frequently.
    • Exclusive Merchant Offers: Access to 300+ merchant offers across shopping, travel, and lifestyle categories ensures year-round savings.
    • Enhanced Security: The EMV chip and PIN-based authentication protect against fraud, while the bank’s zero-liability policy for unauthorized transactions (upon timely reporting) ensures peace of mind.
    • UPI Convenience: The UPI integration (via RuPay variant) simplifies digital payments, earning 3X reward points on UPI transactions.
    • Welcome Incentives: ₹500 gift vouchers upon spending ₹15,000 within 90 days provide immediate value, encouraging early card usage. These vouchers are redeemable at popular brands, adding a tangible joining benefit.
    • Family Benefits: The complimentary add-on card allows family members to share the card’s benefits, with their spends contributing to the primary cardholder’s rewards. This is ideal for households managing shared expenses.
    • Insurance Protection: The personal accident cover (₹2 lakh) and travel insurance benefits safeguard cardholders against unforeseen events, offering financial protection without additional costs.
    • Digital Management: The mobile app and net banking provide seamless control over card activities, including tracking spends, redeeming rewards, paying bills, and activating contactless payments.
    • Instant Loan Access: The pre-approved loan facility offers quick access to funds with minimal paperwork, ideal for urgent financial needs. Flexible EMI tenures and competitive interest rates make repayment manageable.
    • Lifestyle Enhancements: The card’s benefits, from dining discounts to lounge access, elevate the cardholder’s lifestyle, catering to professionals, travelers, and entertainment seekers.
    • Financial Discipline: The 48-day interest-free period encourages timely repayments, helping cardholders avoid interest charges. This benefit supports responsible credit usage while maximizing the card’s value.
    • Wide Acceptance: As a Visa or RuPay card, it is accepted globally at millions of merchants and ATMs, ensuring versatility for domestic and international use.
    • Conclusion: The IDFC FIRST Platinum Credit Card’s benefits deliver a compelling mix of savings, rewards, and lifestyle perks, making it a valuable tool for managing finances and enhancing everyday experiences.
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How to Apply for IDFC FIRST Platinum Credit Card

  • Online Application via IDFC FIRST Bank Website:
    • Visit the Credit Card Section: Navigate to the credit card page, specifically the IDFC FIRST Platinum Credit Card section.
    • Check Eligibility: Use the online eligibility checker by entering your name, mobile number, email, and PIN code for a preliminary assessment.
    • Fill the Application Form: Click “Apply Now” and complete the form with personal, income, and employment details.
    • Upload Documents: Submit scanned copies of identity proof (Aadhaar/PAN), address proof, and income documents (salary slips/ITR).
    • Submit Application: Review the information, verify using OTP, and submit. You will receive an application reference number via SMS or email.
    • Verification & Approval: A bank representative may contact you for further verification or video KYC. The card will be dispatched upon approval.
    • Delivery Time: Approved cards are typically delivered within 14–20 working days.
  • Application via IDFC FIRST Bank Mobile App:
    • Download the App: Install it from Google Play Store or Apple App Store.
    • Log In: Use net banking credentials or register with your mobile number and email.
    • Navigate to Credit Cards: Go to the ‘Credit Cards’ section and select the Signature Credit Card.
    • Apply Online: Fill out the application form and upload documents directly through the app.
    • Real-Time Tracking: Use the “Track My Application” feature to monitor your application status.
    • Instant Virtual Card: On approval, a virtual card is instantly available on the app while the physical card is dispatched later.
  • Offline Application at a Bank Branch:
    • Locate a Branch: Use the bank’s website or app to find the nearest branch.
    • Visit the Branch: Carry original and photocopies of Aadhaar, PAN, and income proof.
    • Request Application Form: Specify that you want to apply for the IDFC FIRST Signature Credit Card.
    • Fill and Submit: Complete the form with the help of a bank staff member and submit it along with documents.
    • KYC Verification: In-person KYC verification will be done at the branch.
    • Track Status: You will receive a reference ID to follow up on the application progress.
  • Application via Third-Party Platforms:
    • Visit the Platform: Go to trusted sites like IndiaLends, BankBazaar, or Logintoloans.
    • Select the Card: Choose IDFC FIRST Signature Credit Card from the listings.
    • Check Eligibility: Provide basic details to view pre-approved offers.
    • Complete Application: Fill out the form and upload necessary documents.
    • Submit & Track: Submit the form and track your application via the platform.
    • Bank Coordination: These platforms coordinate directly with IDFC FIRST Bank for further processing and verification.

Eligibility Criteria for IDFC FIRST Platinum Credit Card

  • Primary cardholder must be between 21 and 70 years of age for salaried individuals, and at least 25 years for self-employed applicants.
  • Add-on cardholders must be at least 18 years old.
  • Salaried individuals must earn a minimum monthly income of ₹1 lakh from a reputed organization (₹12 lakh annually).
  • Self-employed individuals must show at least ₹12 lakh annual income via ITRs or other valid financial documents.
  • Additional income sources like bonuses may be considered if the base income threshold is met.
  • Applicants should have a CIBIL score of 750 or above.
  • No recent defaults, missed payments, or high credit utilization in the last 12–24 months.
  • Applicants must consent to credit bureau checks and verification.
  • Salaried applicants should have a stable job for at least 6–12 months in a reputed organization.
  • Self-employed applicants must have a registered business or profession running consistently for 1–2 years with verifiable income.
  • Available to resident Indians and NRIs with valid KYC documents and stable income.
  • Foreign nationals are generally not eligible unless pre-approved through specific arrangements.
  • Applicants should have no overdue payments or credit card defaults in the recent past.
  • A diverse credit mix and a low credit utilization ratio (ideally below 30%) improve approval chances.
  • Debt-to-income (DTI) ratio should be under 40% to qualify easily.
  • Having another bank’s credit card with at least ₹1.5 lakh limit is advantageous.
  • Existing IDFC FIRST Bank customers with high average balances or fixed deposits may get pre-approved offers.
  • Maintaining a healthy banking history (e.g., regular transactions, prompt EMI payments) strengthens the application.
  • Valid PAN and Aadhaar card for identity verification are mandatory.
  • Salaried must submit salary slips, bank statements, and tax returns.
  • Self-employed need business registration, GST returns, and bank/ITR proof of income.
  • Applicants should not have recent multiple credit inquiries or be listed on credit bureau watchlists.
  • Applicants with legal or financial disputes may be disqualified.
  • Residence in metro cities may enhance approval chances due to higher income benchmarks.
  • First-time applicants may be offered secured cards like IDFC FIRST WOW if lacking history.
  • Use IDFC’s online eligibility checker before applying to avoid rejections.
  • Timely loan and credit repayments for the past 12 months are strongly preferred.
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Documents Required for IDFC FIRST Platinum Credit Card

  • Identity Proof:
    • Aadhaar Card (mandatory if available; masked Aadhaar is acceptable)
    • PAN Card (mandatory for tax purposes)
    • Passport,Voter ID
    • Driving License
  • Address Proof:
    • Aadhaar Card (with current address)
    • Passport,Voter ID, Driving License
    • Utility Bill (electricity, gas, water; not older than 3 months)
    • Bank Statement (with address, not older than 3 months)
    • Rental Agreement (registered)
  • Income Proof:

    For Salaried Individuals:

    • Latest 3 months’ salary slips
    • Bank statement reflecting salary credits (last 3–6 months)
    • Form 16 (latest)

    For Self-Employed Individuals:

    • Latest Income Tax Return (ITR) with computation of income (1–2 years)
    • Profit & Loss Statement and Balance Sheet (certified by a CA)
    • Bank statement of business/personal account (last 6 months)
  • Photograph:
    • One or two recent passport-sized photographs
  • Additional Documents (if applicable):

    For NRIs:

    • Copy of valid passport and visa
    • Overseas address proof (utility bill, bank statement)
    • NRO/NRE bank account statement
    • Identity proof of the add-on cardholder (Aadhaar, PAN, etc.)
    • Relationship proof (if required by the bank)

    For Existing Customers:

    • Bank account details (account number, IFSC code) may suffice if KYC is already completed

    For Secured Card Applicants:

    • Fixed deposit receipt (if applying for a secured variant as an alternative)
  • Document Submission Guidelines:
    • Digital Copies: For online applications, scan or photograph documents in high resolution (PDF or JPEG format, max size 2–5 MB)
    • Physical Copies: For offline applications, submit clear photocopies along with originals for verification
    • Consistency: Ensure names, addresses, and other details match across all documents and the application form
    • Validity: Documents like utility bills or bank statements must not be older than 3 months; identity proofs must be currently valid
  • Tips for Document Preparation:
    • Organize files with clear labels (e.g., “Aadhaar_Front.pdf”)
    • Verify names, addresses, and numbers for accuracy
    • Keep digital and physical backups

Factors to Consider for IDFC FIRST Platinum Credit Card

  • Rewards Alignment with Spending:
    • Spending Patterns: 10X points on spends above ₹20,000 and 3X points on purchases up to ₹20,000. Ideal for those spending >₹20,000 monthly on shopping or dining.
    • Redemption Options: Points redeemable for gift cards, travel bookings, or merchant discounts. Reward value is moderate (₹0.25/point).
    • Consideration: If spending is mostly on utilities or rent (1X points), rewards potential is lower; explore cards better suited for those categories.
  • Cost Structure:
    • No Annual Fees: Lifetime-free card with no recurring costs.
    • Other Fees: ₹199 cash advance fee, 1.5% forex markup, 15% late payment fee (₹100–₹1,250).
    • Consideration: Compare APR (8.5%–46.2%) and fees if carrying balances or using cash withdrawals frequently.
  • Credit Limit: Determined by income, credit score, and repayment history. Typical limits range from ₹50,000 to ₹5 lakh.
  • Interest Rates: Dynamic APR from 8.5% to 46.2%, lower than industry average. Pay full balance within 48-day interest-free period to avoid charges.
  • Lifestyle Benefits:
    • Travel perks like lounge access and travel insurance.
    • Entertainment offers including BOGO movies and dining discounts.
    • Consideration: If travel/entertainment not priorities, consider cards with cashback or fuel rewards.
  • Repayment Terms: 48-day interest-free period with full payment; minimum 5% payment otherwise. Avoid late fees by timely payment.
  • Financial Discipline: EMI options and cash withdrawals provide flexibility but need disciplined spending to avoid debt.
  • Digital Tools: Mobile app and net banking for spend tracking, rewards redemption, and payment management.
  • UPI Integration: RuPay variant supports UPI with 3X rewards (₹199 annual fee). Visa variant has no extra fee.
  • Insurance and Security: Covers personal accident, travel insurance, EMV chip, and zero-liability policy.
  • Approval Chances: Requires CIBIL score 750+, ₹25,000 monthly income (salaried), clean credit history. Use eligibility checker before applying.
  • Alternative Cards: Consider other IDFC FIRST cards (Select, Wealth) or competitors (HDFC Regalia, SBI Elite) for more perks.
  • Long-Term Value: Non-expiring rewards, no annual fees, and versatile benefits make it a sustainable choice for consistent users.
  • Customer Support: 24/7 helpline ( 8885545255) and app-based support. Check user reviews for responsiveness.
  • Spending Goals: Best for users with moderate to high spends (₹20,000+/month) who can maximize rewards and lounge benefits.
  • Economic and Market Factors: Rising interest rates can affect APR; reward values may change. Choose stable long-term benefit cards.
  • Secured Card Option: If ineligible, consider IDFC FIRST WOW Credit Card (secured) to build credit for Platinum later.
  • Tax Implications: Rewards/cashbacks may be taxable. Consult tax advisor if earning high rewards.
  • Merchant Acceptance: Visa offers global acceptance; RuPay is more limited internationally.
  • Environmental and Social Factors: Digital banking reduces paper usage, supporting eco-conscious users.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Bank Platinum Credit Card?
The IDFC FIRST Bank Platinum Credit Card is an entry-level credit card designed for individuals who want to enjoy basic credit card benefits such as rewards on spending, interest-free periods, and easy EMI conversions without paying any annual or joining fees.
2. Is there any joining or annual fee for this card?
No, the IDFC FIRST Bank Platinum Credit Card comes with zero joining and annual fees for a lifetime, making it a great option for first-time credit card users.
3. What are the eligibility criteria for applying?
To apply for the card, you should typically:
- Be at least 21 years of age
- Have a stable monthly income
- Possess a valid PAN and Aadhaar
- Have a good credit history (though it’s not mandatory in all cases)
4. How can I apply for the IDFC FIRST Platinum Credit Card?
You can apply online through the IDFC FIRST Bank website or mobile app. The process is digital, quick, and often requires only basic documentation like PAN, Aadhaar, and income proof.
5. What kind of rewards do I earn on spending?
You earn:
- 3X reward points on offline purchases
- 6X reward points on online purchases above ₹150
- 10X reward points on spending above ₹20,000 per billing cycle
Each reward point is worth ₹0.25 and never expires.
6. Is there a fuel surcharge waiver on this card?
Yes, you get a 1% fuel surcharge waiver on transactions between ₹200 and ₹5,000 at all fuel stations in India, capped at ₹200 per statement cycle.
7. What is the interest rate on this card?
The IDFC FIRST Platinum Credit Card offers dynamic interest rates starting from as low as 0.75% to 3.5% per month (9% to 42% annually), based on your credit profile and usage behavior.
8. Can I convert my purchases into EMIs?
Yes, purchases above ₹2,500 can be easily converted into EMIs with flexible tenure options via net banking or the mobile app.
9. Does the card offer any travel or airport lounge access?
No complimentary airport lounge access is offered with this Platinum variant. For lounge benefits, consider the IDFC FIRST Select or Wealth cards.
10. Are there any late payment charges?
Late payment charges range from ₹100 to ₹1,200 depending on the total amount due. It’s always recommended to pay at least the minimum due by the due date.
11. Can I use the card for international transactions?
Yes, the card can be used internationally. However, forex markup of around 3.5% of the transaction amount applies for international usage.
12. How can I check my credit card statement and outstanding balance?
You can access your card statement and balance via the IDFC FIRST Bank app, net banking portal, or by opting for email/SMS alerts.
13. What happens if I lose my card?
In case of loss or theft, you should immediately report it through customer care or the mobile app. The card will be blocked and a replacement will be issued.
14. Can I get add-on cards for family members?
Yes, IDFC FIRST Bank allows you to request add-on cards for your family members, typically above 18 years of age, at no additional cost.
15. How do I redeem reward points?
Reward points can be redeemed through the IDFC FIRST Bank rewards platform for vouchers, merchandise, travel bookings, and more — with no expiry and no redemption charges.

List of IDFC FIRST Platinum Credit Card Branches in Karnataka

  • Karnataka - Chikkamagaluru
  • Karnataka - Chikmagalur
  • Karnataka - Chitradurga
  • Karnataka - Dharwad
  • Karnataka - Gadag
  • Karnataka - Haveri
  • Karnataka - Hubballi
  • Karnataka - Koppal
  • Karnataka - Kottur
  • Karnataka - KUSHTAGI
  • Karnataka - Lingsugur
  • Karnataka - Mangaluru
  • Karnataka - Mysuru
  • Karnataka - Raichur
  • Karnataka - Ramanagara
  • Karnataka - Shivamogga
  • Karnataka - Tumkur
  • Karnataka - Udupi
  • Karnataka - Uttara kannada
  • Karnataka - Vijayanagara district
  • Karnataka - Vijayapura