Step-by-step Guide to Apply for a Credit Card Online

Applying for a new credit card can feel overwhelming, with so many options. One card promises fancy rewards points, while another offers great travel perks. With so many choices, deciding which is the best fit is hard. The key is not to get stressed, as IDFC FIRST Bank presents a range of credit cards to suit different needs and lifestyles. This guide will take you to the essential steps on how to get a credit card easily with just a few simple steps.

Step 1: Choose the Right IDFC FIRST Bank Credit Card

IDFC FIRST Bank offers the following credit cards:

  • FIRST Millennia Card
  • FIRST Classic Card
  • FIRST Select Card
  • FIRST Wealth Card Access
  • FIRST WOW! Card
  • Club Vistara Card

When choosing a card, consider factors like fees, interest rates, rewards programs, and deals that match your spending habits. For frequent travellers, cards like FIRST Wealth and Club Vistara offer premium benefits like airport lounge access and global travel rewards.

For foodies who dine out often, the FIRST WOW! card provides discounts at restaurants, bars, cinemas and entertainment outlets to maximise savings. Align your card selection with the spending categories that comprise your monthly budget’s biggest share.

Step 2: Check Eligibility Criteria

IDFC FIRST Bank has standard eligibility criteria for prospective cardholders:

  • Minimum age is 21 years
  • Minimum annual income of Rs. 3 lakhs
  • Good credit score – 750 points and above recommended
  • Stable employment for at least 1 year

Meeting these criteria ensures a higher chance of approval for your card application. Those new to credit should go for cards made for first-timers, like the Millennia Card.

Step 3: Start Your Online Application

Initiating an online application with IDFC FIRST Bank is simple. Just:

  1. Go to the IDFC FIRST Bank website
  2. Click on the “Apply for Credit Card
  3. Select your preferred card
  4. Start the application form and fill in your name, address, date of birth, job profile, salary, etc.

Ensure all information entered is accurate. Your basic eligibility will first be checked at this step before proceeding further.

Step 4: Provide Documents for Verification

After submitting initial details, you must provide identity and address proof documents for verification. Commonly accepted docs are:

  • PAN Card
  • Aadhaar Card
  • Passport
  • Current utility bill/Bank statement showing your address

Scan clear copies of your documents before uploading them to the application portal. Identity verification is crucial for approval decisions.

Step 5: Accept Terms and Conditions

Read all terms and conditions carefully related to credit limit, interest charges, fees and payments before accepting them and submitting your application. This completes the application formalities from your end.

The Bottom Line

Choosing the right credit card can initially seem confusing with various options. But by outlining your spending patterns and priorities before applying, you can zero in on the card that offers you maximum value through rewards or savings specifically in those categories. Whether you love to travel and need a card stacked with travel perks or frequently wine and dine and want dining discounts – there is an IDFC FIRST card to match.