FEATURES AND BENEFITS

IDFC FIRST BANK CREDIT CARD

VALID FROM - MAY 2022

FIRST Millennia FIRST Classic FIRST Select FIRST Wealth

Card Category Classic Classic Premium Premium
Type
Card

Benefits Cashback, Rewards Cashback, Rewards Cashback, Rewards Cashback, Rewards

Employment Type Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed Salaried / Self Employed
Sourcing
Criteria

Min Monthly Income () 25K / 5 Lacs ITR p.a 25K / 5 Lacs ITR p.a 25K / 5 Lacs ITR p.a 25K / 5 Lacs ITR p.a
OBC 30,000 30,000 30,000 30,000

First Year Fee () Lifetime Free Lifetime Free Lifetime Free Lifetime Free
Fees

Renewal Fee () Lifetime Free Lifetime Free Lifetime Free Lifetime Free

Early Activation Benefits • Welcome voucher worth ‚500 on spending ‚15,000 or more within 90 days of card issuance
• 5% cashback on the transaction value of first EMI (up to ‚1000) done within 90 days of card generation

Lounge Access 4 complimentary Railway 4 complimentary Railway 4 complimentary Domestic 4 complimentary Do-
lounge visits per quarter lounge visits per quarter Airport & Railway lounge mestic & International
Complimentary

visits per quarter Airport lounge, spa visits per

Memberships

quarter

Golf 2 complimentary Golf

rounds per month

Hotel & Restaurants Up to 20% discount at 1500+ restaurants

Insurance and Road Assistance Personal Accident Cover of Personal Accident Cover of • Complimentary Roadside
‚2,00,000* and Lost Card ‚2,00,000* and Lost Card Assistance worth ‚1,399
Liability Cover of ‚25,000 Liability Cover of ‚25,000 • Air Accident Cover of ‚1
cr*
• Personal Accident Cover
of ‚5,00,000* and Lost
Card Liability Cover of
‚50,000
2 3 /0 5- 2 02 2 -F & B- C C- I DF C- BA N K- 3
• Complimentary Roadside
Assistance worth ‚1,399
• Air Accident Cover of ‚1
cr*
• Personal Accident Cover
of ‚10,00,000* and Lost
Card Liability Cover of
‚50,000

• Comprehensive Travel In- • Comprehensive Travel In-

surance Cover of ‚22,500* surance Cover of ‚22,500*

Usage Benefits 25% discount on movie 25% discount on movie Buy One Get one movie Buy One Get one movie
tickets once a month up to tickets once a month up to ticket up to ‚250 twice per ticket up to ‚500 twice per
‚100 ‚100 month month

Online Spends 50+ in-App discount offers

At Stores Up to 15% discount at 3000+ Health & Wellness outlets

V E R

Milestone Bonus • 10X accelerated Reward • 10X accelerated Reward • 10X accelerated Reward • 10X accelerated Reward
Rewards & Cashback

Points on all incremental
spends above ‚20,000 per
month
• 6X Reward Points on
online & offline spends
• 3X reward points on
spends under Rental &
Property Management
merchant category
Points on all incremental
spends above ‚20,000 per
month
• 6X Reward Points on
online & offline spends
• 3X reward points on
spends under Rental &
Property Management
merchant category
Points on all incremental
spends above ‚25,000 per
month
• 6X Reward Points on
online & offline spends
• 3X reward points on
spends under Rental &
Property Management
merchant category
Points on all incremental
spends above ‚30,000 per
month
• 6X Reward Points on
online & offline spends
• 3X reward points on
spends under Rental &
Property Management
merchant category

Extra Category Benefits Low forex mark-up starting Low forex mark-up starting Low forex mark-up starting Low forex mark-up starting
at 3.5% on all international at 3.5% on all international at 1.99% on all international at 1.50% on all international
spends spends spends spends

Fuel Fuel Surcharge waiver up to Fuel Surcharge waiver up to Fuel Surcharge waiver up to Fuel Surcharge waiver up to
‚200 per month ‚200 per month ‚300 per month ‚400 per month

Redemption Value 1X = 1 Reward Point per ‚100, 1 Reward Point = ‚0.25

Other Benefits Interest-free ATM Cash Withdrawal for up to 48 days (Cash Advance Fee of only ‚250 per transaction)

Copyright © 2022. Credilio Financial Technologies Pvt Ltd. This document is prepared for the consumption of ‘Distribution Partners and their authorized Representatives’ of Credilio Financial Technologies Pvt Ltd.
Credilio is an authorised distributor of IDFC FIRST Bank Credit Cards. Contents mentioned here is based on the publicly available information as on May 2022 and subject to vary from time to time. Credilio Team
has compiled select information to be used only as a reference. Users are requested to verify details and apply discretion before taking any decision basis the contents shown here.
 PROCESS TO COMPLETE
IDFC FIRST BANK CREDIT
CARD APPLICATIONS

PART 1: APPLY ON YOUR APP

STEP 1 STEP 2
Lead Creation Form Bureau Check

Enter Customer Mobile Number Guide customer to Complete

and PAN. Bureau Check by clicking on the
Check customer’s name & enter link sent on SMS
other details to submit lead.
Click on ‘Check Status’ once
customer completes, to
continue.

STEP 3 STEP 4
Bureau Report Recommendations

Once customer completes Recommendation Page displays

Bureau check you will see IDFC FIRST Bank credit cards in
Customer’s Bureau Rating. case the customer profile fits
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with the sourcing criteria. There

Click on ‘Next’ to proceed to is a choice of 4 cards. The actual
offers. card available for the customer
IDFC FIRST Bank
will be communicated once the
application is progressed on the
Credit Cards
Lifetime Free, Super Rewarding Cards

Upto 10X rewards IDFC FIRST Bank web link. Select

Lowest Interest Rates
IDFC First Bank Credit Cards
Joining fee: Lifetime Free
Apply now
Renewal fee: Lifetime Free
VE R

STEP 5 STEP 6
You will receive an instant Guide customer through the
confirmation of the application step-by-step process. Refer to the
form being successfully initiated. next page for detail
A web link will be shared with you
and the customer’s phone to
complete the online application

Copyright ©2022. Credilio Financial Technologies Pvt Ltd.This document is prepared for the consumption of 'Distribution Partners and their authorized Representatives' of
Credilio Financial Technologies Pvt Ltd. Credilio is an authorized distributor of IDFC FIRST Bank for distribution of Credit Cards. The information given above is intended only for a
specific purpose and Credilio will not be responsible for any unauthorised use.
 PROCESS TO COMPLETE
IDFC FIRST BANK CREDIT
CARD APPLICATIONS

PART 2: APPLY ON IDFC FIRST BANK PORTAL

Post successful completion of the application on your App. As next step, customer to click on link
received via sms on his/her mobile number.

STEP 3
STEP 1 STEP 2 Enter Occupational
Enter Customer details Enter Additional Information Details

STEP 4 STEP 5 (a) or STEP 5 (b) or STEP 5 (c)

1 or more eligible cards will be displayed. No income proof Income proof required - Income proof required -
Customer may need to upload supporting required. Click on Upload 3 Months bank Upload Latest Credit
documents to get final approval. get your card. statement Card Statement
18 /1 0 - 2 0 2 1 - ID F C F IR ST

STEP 6 STEP 7 STEP 8

V ER

Enter personal details Enter office details page Card delivery Preference

STEP 11
STEP 9 STEP 10 Complete video KYC at the same time or
can be sceduled for later. Available during
Compete Aadhaar Verification Accept T&C and Authentication
PAN Card should be available with
customer.

Copyright ©2022. Credilio Financial Technologies Pvt Ltd.This document is prepared for the consumption of 'Distribution Partners and their authorized Representatives' of
Credilio Financial Technologies Pvt Ltd. Credilio is an authorized distributor of IDFC FIRST Bank for distribution of Credit Cards. The information given above is intended only for a
specific purpose and Credilio will not be responsible for any unauthorised use.
 IMPORTANT POINTS TO
REMEMBER WHILE SOURCING
IDFC FIRST BANK CREDIT CARDS

Stages of Application Points to Note

Processing

Personal Details Page Request Customer to put his Name as per Aadhaar, DOB & Mobile No. on which he
needs the Alerts to come through
Occupation Page Request customer to insert their Income, Employer details & also if they have any
other Bank Credit Card for getting a Provisioned Offer on our Credit Card

Soft Offer Page Once the customer has got a Provisioned Offer and they have to select a Card offer.
Income documents, Card Statement & Bank statement may required for the offer

Doc Upload • Customer has to Upload Document basis the Offer selected

A. Card Statement: Last 2 months Card Statement along with Bank Password

B. Bank Statement: The Bank Statement has to be of 3 months.

For example: Statement from July till Sept if applying in Oct month

• PDF has to be less than 2 MB

• Statement has to be downloaded from Net Banking / Mobile Banking

VKYC Stage The Customer has to complete the VKYC process - Two options are given to
Customer:

A. Connect Now: Customer can connect on VKYC by clicking the SMS

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received & complete the process in real time

B. Schedule Later: The Customer has to schedule the call within 72 hours and
connect at scheduled time by clicking on the SMS received

Schedule VKYC Later The customer has to connect at the scheduled time & connect with PAN & Aadhaar
Card copy to verify their details

After Agent Calls the Customer If the Customer is dropped, the Customer can again re-start the VKYC via the link
in Schedule Later and Drop off sent while completing the journey
Scenarios VKYC Link: http://www.idfcfirstbank.com/credit-card/vkyc1
V ER

FI Initiated Inform the Customer to update the correct address via clicking on the link sent in the
SMS
FI Curing Link : www.idfcfirstbank.com/fi-curing/fi-curing-landing

Copyright ©2022. Credilio Financial Technologies Pvt Ltd.This document is prepared for the consumption of 'Distribution Partners and their authorized Representatives' of
Credilio Financial Technologies Pvt Ltd. Credilio is an authorized distributor of IDFC FIRST Bank for distribution of Credit Cards. The information given above is intended only for a
specific purpose and Credilio will not be responsible for any unauthorised use.