✅ Eligible for both secured (FD-backed) and unsecured versions — options for varied credit profiles

✅ Access to travel perks, insurance, and reward points across spends

✅ Secured option offers easier approval even if credit history is limited (less rejection risk) 

✅ Fully digital application & activation — minimal paperwork.

✅ FD continues to earn interest (in secured variant) while serving as collateral.

About the Brand:

IDFC First Bank (formerly IDFC Bank) is an Indian Private Sector Bank that is owned by IDFC, an integrated infrastructure finance company. IDFC Bank, headquartered in Mumbai offers numerous financial services through its nationwide branches, internet and mobile. It offers services like saving accounts, fixed deposits, home loans products, personal loans, NRI accounts by using technology and service –oriented approach, to make banking more simple and accessible at anytime and from anywhere.

✅ Target Audience:-

• Geography: Pan India
• Age Group: All above 18 years
• User Eligibility: New Users & First-Time Credit Applicants preferred
• Ideal User Profile:
  Those looking to step into credit, build credit score, or get a premium credit card (with or without needing to back with collateral)

✅ Step by step process:-

✅Download or open IDFC FIRST Bank’s credit card application page

✅Choose “Secured (FD)” or “Unsecured” variant

✅Complete KYC and application digitally

✅Once approved, activate the card

✅Use the card to unlock rewards, travel privileges, etc

✅Offer valid only for new credit card users (first time via this promotion)

✅Only one application per mobile / KYC allowed

✅In secured variant, FD deposit is required and acts as collateral

✅Users must activate card within a stipulated period (e.g. 30 days)

✅Any misuse, duplicate accounts or invalid KYC will void eligibility

✅Bank’s standard T&Cs for credit cards, interest, late fees apply