How To Apply IDFC First Bank Credit Card | Related FAQ About IDFC First Bank Credit Card

You will be surprised to know that IDFC Bank’s credit card is free for a lifetime. After making this card, the user will not have to pay any joining membership and annual fee. If you want to apply for a credit card and you want a credit card where you do not have to pay the annual fee then I would suggest you apply for an IDFC Bank credit card because it is free for a lifetime.

Like other banks, this credit card also gives you many facilities. You can withdraw cash at 0% interest for 48 days. With this, you can get foreign currency at the lowest rates. Along with this, there are many other benefits of this card. Like all cards, this card provides you with many facilities. You should not think that this card is free and you will be provided with less facilities, it is not so. IDFC First Bank’s credit card will provide you with the same facilities as other banks.

If you get a credit card from IDFC Bank, then you are going to get many benefits like in this card you can use it for a lifetime without paying any annual fee whereas in all other cards, you have to pay an annual fee. Along with this, you do not have to pay any joining fee on this card and this credit card provides you all the facilities like the credit cards of other banks. That is why this credit card has become the most special. Due to its good facilities, it has attracted a lot of users.

If you want to open your account in IDFC First Bank and you want to know what is the minimum balance you have to maintain here, then I would like to tell you that in this bank the minimum balance has to be Rs 10000. If the balance is less than Rs 10000, you will have to pay its charge. That is why if you are opening an account in this bank then you have to remember that there should be a minimum balance of Rs 10000.

The process for getting a credit card is different for every bank, but we can make an estimate. If we apply for getting our credit card made in any bank, then our monthly salary should be Rs 15000 or above. Because people with salaries less than 15k face a lot of difficulty in applying for credit cards. Along with this, the bank can also reject your credit card request. But if your salary is above 15k then you are eligible for a credit card.

Yes, if your salary is ₹ 15000 per month and you want to get a credit card from IDFC Bank, then you can easily get a credit card from IDFC Bank. But for this, you will need an income certificate and your income should be ₹ 15000 per month, only then you will be able to apply for the credit card, otherwise, you will not be eligible for the credit card. Along with this, there are some other examples that you should keep in mind.

Friends, if you do not pay the credit card bill, the interest on it will keep increasing on you and this burden will become so much that the money withdrawn by you will become only two in a few years. That is why I would suggest you to withdraw as much money from the credit card as you can repay. But if you are not able to pay the money due to some awkward situation, then you should talk to the bank about it.

Yes, some banks make credit cards even for monthly salary of Rs 12000. But in some banks the minimum amount of credit card ranges from ₹ 15 to ₹ 30000. So in such a situation, you have to suggest a bank which can make a credit card even for a minimum amount of Rs 15000 or Rs 12000. There are many banks like this.

Usually the credit card is valid for 3 to 4 years but if necessary, you can increase its validity. For this you will have to go to the bank and talk to the manager, after which I will increase the validity of your credit card and you can again. You will be able to use the credit card again for three to four years. Similarly, you can increase the validity of your credit card after 3 to 4 years, which is a good idea.

Anything has some advantages and also some disadvantages. So credit card also has some advantages and some disadvantages like if you have borrowed some money from credit card and you repay it within 48 days. If you are not able to repay then interest will be charged on you. And if you have not accepted the credit card for a long time then this money is doubled.