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Features of IDFC FIRST Signature Credit Card

  • Lifetime Free Card with No Annual or Joining Fees:
    One of the standout features of the IDFC FIRST Signature Credit Card is that it is a lifetime free card. Unlike many premium credit cards that impose hefty annual or joining fees, this card eliminates such costs, making it an attractive option for cost-conscious consumers who still desire premium benefits. This feature ensures that cardholders can enjoy the card’s perks without worrying about recurring charges, enhancing its value proposition for long-term use.
  • Reward Points Program with No Expiry:
    The card offers a robust reward points program that is both generous and flexible. Cardholders earn reward points on various transactions, with the following structure:
    • 10X Reward Points: On spends exceeding ₹20,000 per statement cycle and all transactions on the cardholder’s birthday. This accelerated earning rate is ideal for high spenders who frequently use the card for significant purchases.
    • 3X Reward Points: On online and offline purchases up to ₹20,000 per month, covering a wide range of everyday transactions.
    • 1X Reward Points: On utility bills, insurance payments, and other select categories, with 1 reward point earned per ₹150 spent.
Signature Exclusive Credit Card
    • Complimentary Lounge Access: Travel enthusiasts will appreciate the card’s lounge access benefits, which enhance the travel experience both domestically and at railway stations:
      • Domestic Airport Lounge Access: Cardholders receive two complimentary visits per quarter, subject to spending ₹20,000 in the previous month. This benefit provides access to premium airport lounges across India, offering a comfortable space to relax before flights.
      • Railway Lounge Access: Four complimentary visits per quarter are available, making train travel more luxurious. This is a unique feature, as railway lounge access is not commonly offered by other credit cards.
      These lounge benefits are activated based on spending thresholds, ensuring that active card users can enjoy premium travel perks.
    • Low Interest Rates and Flexible Repayment Options: The IDFC FIRST Signature Credit Card offers some of the lowest interest rates in the market, ranging from 8.5% to 46.2% per annum (0.75% to 2.99% per month). This dynamic interest rate is based on factors such as credit score, income, and repayment behavior. Additionally, it provides an interest-free period of up to 48 days on purchases, helping users avoid interest charges if dues are paid timely.
    • Contactless Payment Technology: The card supports contactless transactions, allowing quick and secure payments at enabled POS terminals. Activation is via the IDFC FIRST Bank mobile app or net banking portal for seamless everyday purchases.
    • Movie Ticket Discounts: Cardholders can avail a Buy 1 Get 1 free offer on movie tickets (up to ₹125 per ticket), twice per month via the Paytm app, valid on both online and offline purchases, ideal for frequent moviegoers.
    • Comprehensive Travel Insurance: Includes complimentary travel insurance cover worth ₹22,500, protecting against:
      • Loss of checked-in baggage (up to ₹7,500)
      • Delay of checked-in baggage (up to ₹5,000)
      • Loss of passport and documents (up to ₹10,000)
      Activated automatically when at least one transaction is made in the preceding month.
    • Complimentary Roadside Assistance: A unique feature of the IDFC FIRST Signature Credit Card is the complimentary roadside assistance (RSA) worth ₹1,399. This service is particularly valuable for cardholders who drive frequently, offering support for issues such as vehicle breakdowns, flat tires, or battery jumpstarts. The RSA benefit enhances the card’s utility for those with an active lifestyle.
    • Cash Withdrawal Facility: Cardholders can withdraw cash from ATMs using the card, with a maximum limit of ₹10,000 per transaction. A notable advantage is that cash withdrawals are interest-free for up to 45 days, both in India and abroad. However, a cash advance fee of ₹199 + GST applies per transaction, which is a reasonable cost for emergency cash needs.
    • Discounts on Dining and Wellness: The card offers discounts of up to 20% at over 1,500 restaurants and up to 15% at more than 3,000 health and wellness outlets across India. These discounts are available year-round, making the card an excellent choice for those who enjoy dining out or prioritize wellness activities such as gym memberships or spa visits.
    • Fuel Surcharge Waiver: The card provides a 1% fuel surcharge waiver on transactions at fuel stations, subject to specific terms and conditions. This benefit is particularly useful for cardholders who frequently drive, as it helps reduce fuel-related expenses.
    • Overlimit Facility: To prevent transaction declines due to exceeding the credit limit, the card offers an overlimit facility that provides an additional 10% credit limit. This feature requires customer consent and can be activated through the IDFC FIRST Bank mobile app, ensuring a hassle-free experience during high-spending periods.
    • EMI Conversion Options: Cardholders can convert large purchases into affordable EMIs, with flexible tenure options ranging from 3 to 48 months. This feature is particularly useful for managing significant expenses, such as electronics or travel bookings, without straining monthly budgets.
    • Secure Transactions with EMV Chip: The card is equipped with an EMV chip, ensuring secure transactions both online and offline. This technology reduces the risk of fraud, providing cardholders with confidence when using the card for various purchases.
    • Welcome Voucher: New cardholders receive a welcome voucher worth ₹500 upon spending ₹15,000 within 90 days of card issuance. This voucher can be redeemed for purchases at select brands, such as Amazon, Bigbasket, Uber, or Lifestyle, adding an immediate benefit for new users.
    • Merchant Offers: The card provides access to over 300 merchant offers throughout the year, covering categories such as shopping, travel, and lifestyle. These offers enhance the card’s value by providing additional savings on everyday and discretionary purchases.
    • UPI Integration: Cardholders can link the IDFC FIRST Signature Credit Card to UPI for seamless digital payments. This feature allows for quick transactions at merchants that accept UPI, further enhancing the card’s versatility in the digital payment ecosystem.
    • Global Acceptance: As a Visa Signature card, it is accepted worldwide at millions of merchants and ATMs. This global acceptance ensures that cardholders can use the card for international travel, shopping, or online purchases without restrictions.
    • PIN-Based Transactions for Security: For transactions in India, a PIN is required at POS terminals, adding an extra layer of security. For international transactions, a PIN is needed only if the POS terminal is enabled for PIN authentication, balancing convenience and security. The IDFC FIRST Signature Credit Card’s features are designed to cater to a diverse audience, from frequent travelers and high spenders to those seeking everyday convenience and savings. Its lifetime free status, combined with a comprehensive rewards program and travel benefits, makes it a compelling choice in the semi-premium credit card segment.
Signature Exclusive Benefits

Benefits of IDFC FIRST Signature Credit Card

  • 1. Cost Savings with Lifetime Free Status:
    • Lifetime-Free Card: No joining, membership, or annual fees, eliminating extra financial burden and making it an economical choice for long-term use.
  • 2. High Reward Earning Potential:
    • 10X Points on High Spends: Earn 10X points on spending above ₹20,000 per statement cycle and on birthday transactions to quickly accumulate rewards.
    • 3X Points on Everyday Spends: Earn 3X points on online and offline purchases up to ₹20,000 per month, covering groceries, dining, and more.
    • 1X Points on Essential Payments: Earn 1X points on utility bills and insurance payments, adding value to routine expenses.
    • Non-Expiring Points: Points do not expire (except for specific variants), allowing saving points for high-value redemptions like travel bookings or premium merchandise.
    • Flexible Reward Redemption Options:
    • Pay with Points: Points can be used instantly to pay for online or in-store purchases, providing a cash-like redemption option.
    • Poshvine Portal: Redeem points for travel, electronics, or gift vouchers through the exclusive IDFC FIRST rewards portal.
    • Statement Credit: Convert points into statement credits to reduce your outstanding card balance. The value of 1 reward point is approximately ₹0.25, making redemptions straightforward and transparent.
    • Enhanced Travel Experience:
    • Airport Lounge Access: Two complimentary domestic airport lounge visits per quarter, activated by spending ₹20,000 in the previous month, offering amenities such as comfortable seating, Wi-Fi, and refreshments.
    • Railway Lounge Access: Four complimentary railway lounge visits per quarter make train travel more comfortable and luxurious. These lounge benefits elevate the travel experience for air and rail travelers.
    • Travel Insurance Coverage:
    • Complimentary travel insurance cover of ₹22,500 protects against travel mishaps. Baggage Loss and Delay: Coverage of ₹7,500 for lost baggage and ₹5,000 for baggage delay.
    • Document Loss Protection: Up to ₹10,000 coverage for loss of passports or essential documents. Insurance is activated with a single transaction in the preceding month.
    • Roadside Assistance for Drivers:
    • Complimentary roadside assistance worth ₹1,399 covers emergencies like vehicle breakdowns, flat tires, or fuel delivery. This benefit provides peace of mind for regular drivers and vehicle owners.
    • Entertainment Savings: Buy 1 Get 1 free movie ticket offer (capped at ₹125 per ticket) twice per month via Paytm app. This reduces the cost of movie outings for families and frequent moviegoers.
    • Dining and Wellness Discounts:
    • Up to 20% off at over 1,500 partner restaurants across India. Up to 15% off at 3,000+ health and wellness outlets including gyms, spas, and fitness centers. These discounts help support a healthy lifestyle while reducing costs.
    • Fuel Cost Reduction: 1% fuel surcharge waiver (up to ₹300 per statement cycle) on fuel transactions. Enhances savings for frequent drivers and daily commuters.
    • Low-Cost Financing Options: Competitive interest rates ranging from 8.5% to 46.2% p.a. with up to 48 days interest-free period. EMI conversion feature for purchases above ₹2,500, spread over 3 to 18 months.
    • Cash Withdrawal Flexibility: Interest-free cash withdrawal period of up to 45 days. Cash advance fee of ₹199 + GST and a withdrawal limit of ₹10,000 per transaction. Provides easy access to emergency cash when needed.
    • Welcome Voucher for New Users: ₹500 welcome voucher upon spending ₹15,000 within 90 days of card issuance. Redeemable at popular brands, providing immediate value for new cardholders.
    • Merchant Offers for Additional Savings: Access to over 300 merchant offers across shopping, travel, and lifestyle categories. Offers updated regularly, providing ongoing value throughout the year.
    • Global Usability: Visa Signature global acceptance for international travel, shopping, and dining. Contactless payment feature and EMV chip for secure and convenient transactions worldwide.
    • Overlimit Facility for Spending Flexibility: 10% overlimit facility to prevent transaction declines due to exceeding the credit limit. Helps cardholders manage fluctuating expenses without interruptions.
    • UPI Integration for Digital Payments: Link the card to UPI for quick and secure digital payments at merchants accepting UPI. Earn 3X reward points on UPI transactions.
    • Enhanced Security Features: EMV chip and PIN-based transactions reduce the risk of fraud. Mobile app control to enable/disable contactless payments or block the card as needed.
    • Targeted Promotions: Occasional bonus reward points on specific spends (e.g., 6,000 or 10,000 bonus points). Encourages consistent card usage and adds extra value for active users.
    • Post-Devaluation Considerations: Reward program devaluation effective May 1, 2024, has reduced competitiveness for high spenders. Lifetime-free status and diverse benefits still make it a versatile and cost-effective choice.
    • Conclusion: The IDFC FIRST Signature Credit Card combines savings, rewards, and lifestyle perks to enhance everyday financial management and experiences.
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How to Apply for IDFC FIRST Signature Credit Card

  • Online Application via IDFC FIRST Bank Website:
    • Visit the Credit Card Section: Navigate to the credit card page, specifically the IDFC FIRST Signature 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 Signature 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 Signature Credit Card

  • Aadhaar Card (Full number visible unless masked is accepted)
  • PAN Card (Mandatory and must match the name on other documents)
  • Passport (Valid with at least 6 months’ validity)
  • Voter ID (Issued by Election Commission of India)
  • Driving License (Valid and issued by RTO)
  • Aadhaar Card (With current address)
  • Passport (With residential address)
  • Voter ID (With current address)
  • Utility Bill (Electricity, water, or gas; not older than 3 months)
  • Rental Agreement (Registered, plus utility bill in landlord’s name)
  • Bank Statement (Not older than 3 months)
  • Ration Card / Property Registration Document
  • Salaried Individuals:
    • Latest 2–3 months' salary slips
    • Form 16 from employer
    • 3–6 months’ bank statements showing salary credits
    • Employment letter (optional but beneficial)
  • Self-Employed Individuals:
    • ITR for last 2 years with income computation
    • CA-certified profit & loss statement and balance sheet
    • Business proof (e.g., GST registration, license)
    • 6–12 months’ business bank statements
  • Employment Proof (Appointment letter / Employee ID)
  • Business Proof (Shop license / Partnership deed)
  • Existing Credit Card Statements (Last 3 months)
  • Photograph (2–3 recent passport-size photos)
  • Valid Passport (With visa page and overseas address)
  • Valid Visa / Work Permit
  • Overseas Utility Bill / Rental Agreement (within last 3 months)
  • NRI or Overseas Bank Account Statements (Last 6 months)
  • OCI / PIO Card (If applicable)
  • Digital Uploads: PDF/JPG format, ≤5MB, clear and legible
  • Physical Copies: Submit photocopies with originals for verification
  • Document Consistency: Name, address, and income should match across documents
  • Recent Documents: Preferably not older than 3 months
  • Secure Upload: Use secure portals for online uploads
  • Expired or damaged ID proofs
  • Illegible or blurry document scans
  • Mismatched information across documents
  • Incomplete document sets (missing income proof)
  • First-Time Applicants: May need stronger proof (e.g., multiple bank statements)
  • Add-On Cards: No additional documentation needed
  • Existing IDFC FIRST Customers: Document requirements may be relaxed, but income proof remains mandatory

Factors Influencing IDFC FIRST Signature Credit Card Approval

  • Preferred Score: A CIBIL score of 750+ indicates strong repayment behavior and improves approval odds.
  • Negative Impact: Late payments, high credit usage, defaults, or multiple recent loan/credit card inquiries can reduce chances.
  • No/Thin Credit File: First-time applicants may face extra scrutiny and should support their application with strong income proof.
  • Action Tip: Check and correct your CIBIL report before applying to avoid errors that may hurt your score.
  • Minimum Required: ₹12 lakh annual income is mandatory (₹1 lakh/month for salaried individuals).
  • Salaried Professionals: Must show steady income through salary slips or bank statements for the past 6–12 months.
  • Self-Employed Individuals: Need consistent business income with ITRs or audited statements from the last 1–2 years.
  • Additional Income: Rental or investment income can strengthen repayment capacity.
  • Ideal DTI: Below 40% ensures that you have enough disposable income to repay new debt.
  • High DTI Risk: If 50% or more of your income is going toward debt, approval chances decline sharply.
  • Mitigation: Pay off personal loans or reduce EMIs to improve your DTI ratio.
  • Optimal CUR: Maintain CUR below 30% across all your cards.
  • Negative Indicator: Using over 50% of your credit limit suggests financial stress.
  • Fix: Repay high card balances before applying to reflect better credit discipline.
  • Salaried: Employment with a reputed company and at least 6–12 months of tenure boosts credibility.
  • Self-Employed: Registered businesses or professionals with stable income and documentation are preferred.
  • Industry Preference: Sectors like IT, BFSI, and healthcare are seen as low-risk by banks.
  • Existing Customer: Holding a savings account, fixed deposit, or loan can help get pre-approved offers.
  • Wealth/Select Banking: Priority customers often enjoy relaxed eligibility and quicker approvals.
  • Age Range: 21–70 years (salaried), 25–70 years (self-employed).
  • Nationality: Indian residents and NRIs (with valid documents) are eligible.
  • Preferred Locations: Applicants from metro or Tier-1 cities may receive preference due to perceived financial stability.
  • Clean Application: Ensure accuracy in all fields and avoid typos or mismatched document details.
  • Multiple Applications: Avoid applying for several credit cards simultaneously to prevent "credit hungry" impressions.
  • Existing Credit Exposure: Already holding multiple cards with high limits may affect new approvals.
  • Special Offers: Pre-approved or relationship-based offers may allow faster approval even if some metrics are borderline.
  • Check and correct credit report errors on CIBIL.
  • Repay loans and reduce credit card balances to improve CUR and DTI.
  • Submit all required documents accurately and in full.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Signature Credit Card?
The IDFC FIRST Signature Credit Card is a lifetime-free credit card offering exclusive benefits such as cashback, rewards, complimentary lounge access, and low interest rates for eligible individuals.
2. Is there an annual or joining fee for this card?
No, the IDFC FIRST Signature Credit Card comes with zero joining and annual fees — it is a lifetime free card.
3. Who is eligible for the IDFC FIRST Signature Credit Card?
Indian residents aged between 21 and 60 years with a stable income and a good credit score are typically eligible. Specific criteria may vary.
4. What is the credit limit on the Signature Credit Card?
The credit limit is determined by IDFC FIRST Bank based on your credit profile, income, and repayment capacity.
5. What are the key benefits of this credit card?
Key benefits include:
- 10X reward points on spends above ₹20,000/month
- Complimentary domestic airport lounge access
- 1% fuel surcharge waiver
- Low interest rates
6. How can I apply for the IDFC FIRST Signature Credit Card?
You can apply online through the IDFC FIRST Bank website or mobile app, or by visiting a nearby branch with the required documents.
7. What documents are required to apply?
Generally required documents include:
- PAN card
- Aadhaar card or valid address proof
- Recent salary slips
- Bank statements
8. How do the reward points work?
You earn:
- 10X reward points on purchases above ₹20,000/month
- 3X reward points on regular retail spends
1 reward point = ₹0.25 when redeemed for travel, gift cards, or merchandise.
9. Are the reward points capped or do they expire?
No, reward points are uncapped and they do not expire, giving you flexibility to redeem them anytime.
10. Does this card offer airport lounge access?
Yes, you get 4 complimentary domestic airport lounge visits per quarter with the Signature Credit Card.
11. Is there a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver is applicable on fuel transactions between ₹200 and ₹5,000 at all fuel stations in India.
12. Can I convert my transactions into EMIs?
Yes, eligible transactions above ₹2,500 can be converted into EMIs at attractive interest rates via net banking or mobile app.
13. What is the interest rate on this credit card?
The interest rate ranges from 0.75% to 3.5% per month (9% to 42% annually), depending on your creditworthiness and repayment behavior.
14. How can I pay my IDFC FIRST Signature Credit Card bill?
You can pay via the IDFC FIRST Bank mobile app, internet banking, NEFT/IMPS, UPI, or by setting up auto-debit from your bank account.
15. How can I contact customer care for card-related queries?
You can contact IDFC FIRST Bank’s 24x7 helpline, use in-app chat support, or send an email to their customer service for assistance.

List of IDFC FIRST Signature Credit Card Branches in Karnataka

  • Bengaluru - Banashankari Third Stage
  • Bengaluru - Banashankari
  • Bengaluru - Bannerghatta Road
  • Bengaluru - Electronic City
  • Bengaluru - JP Nagar Fifth Phase
  • Bengaluru - Kadugodi
  • Bengaluru - Kasturi Nagar
  • Bengaluru - Langford Road
  • Bengaluru - Raja Rajeshwari Nagar
  • Bengaluru - Sahakar Nagar
  • Bengaluru - Basaveshwara Nagar
  • Bengaluru - Basavanagudi
  • Bengaluru - BTM Layout
  • Bengaluru - Chandra Layout
  • Bengaluru - Cunningham Road
  • Bengaluru - Frazer Town
  • Bengaluru - HSR Layout
  • Bengaluru - JP Nagar Seventh Phase
  • Bengaluru - Indiranagar
  • Bengaluru - Yelahanka