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Summary: It doesn’t matter if you are working or a homemaker - women's Credit Cards cater to women from all income levels and spending habits. Check out the women-friendly features and benefits of IDFC FIRST Bank Credit Cards that make a perfect fit for every woman.
Financial freedom and independence are becoming more of a reality for women in modern-day India. For women, Credit Card usage, earning money and spending power are symbols of financial independence. However, financial independence should also be about being in charge of the financial decisions in life, and participation in financial planning.
In India, 98% of salaried and self-employed women participate in the financial decisions that define the long-term future of their family. 47% of them also make financial decisions independently. They have greater autonomy when it comes to investments, savings and debt management. However, selecting the ideal women's Credit Card is also important for their day-to-day finances.
While Credit Cards are mostly gender-neutral products, it cannot be denied that some Credit Cards are better suited for women than others. Such cards are often referred to as women's Credit Cards. For instance, getting a credit card is easier for the working and the self-employed woman, but choices are limited for homemakers. A Credit card tailormade for the homemakers can be an example of a woman's Credit Card.
When it comes to Credit Cards for homemakers, the eligibility criteria must be designed to accommodate them. IDFC FIRST Bank offers a Credit Card with no income proof or credit history - the FIRST WOW! Credit Card. And when it comes to working or self-employed women, there are different Credit Card variants available with IDFC FIRST Bank too. Here is a look at some of the best Credit Cards in India, offered by IDFC FIRST Bank.
Benefits and features |
FIRST WOW! |
FIRST Millennia |
FIRST Classic |
FIRST Select |
FIRST Wealth |
Reward points - offline |
4 per ₹150 |
3 per ₹150 |
3 per ₹150 |
3 per ₹150 |
3 per ₹150 |
Reward points - online |
4 per ₹150 |
3 per ₹150 |
3 per ₹150 |
3 per ₹150 |
3 per ₹150 |
Spend requirement for 10X reward points |
None |
₹20,000 |
₹20,000 |
₹20,000 |
₹20,000 |
1% fuel waiver |
₹200 per month |
₹200 per month |
₹200 per month |
₹300 per month |
₹400 per month |
Golf rounds |
None |
None |
None |
4 rounds and 12 lessons per year |
2 per month |
Personal accident cover |
₹2 lakhs |
₹2 lakhs |
₹2 lakhs |
₹5 lakhs (Air accident cover ₹1 crore) |
₹10 lakhs (Air accident cover ₹1 crore) |
Lost card liability cover |
₹25,000 |
₹25,000 |
₹25,000 |
₹50,000 |
₹50,000 |
Travel insurance |
None |
None |
None |
None |
Up to $1200 |
Railway lounge access |
None |
4 per quarter |
4 per quarter |
4 per quarter |
4 per quarter |
Domestic airport lounge access |
None |
None |
None |
2 per quarter |
2 per quarter |
International airport lounge access |
None |
None |
None |
None |
2 per quarter |
Domestic airport spa access |
None |
None |
None |
None |
2 per quarter |
Joining fee |
Zero |
Zero |
Zero |
Zero |
Zero |
Annual fee |
Zero |
Zero |
Zero |
Zero |
Zero |
Reward points validity |
Lifetime |
Lifetime |
Lifetime |
Lifetime |
Lifetime |
Complimentary roadside assistance |
Available |
Available |
Available |
Available |
Available |
IDFC FIRST Bank Credit Cards come with several stellar benefits. Features like lifetime reward point validity, complimentary roadside assistance, and zero joining and annual fees are offered across all variants. The Credit Cards also offer low-interest rates on outstanding balances, starting from 0.75% per month only.
Owning and using these women's Credit Cards offered by IDFC FIRST Bank is a fully digital experience. You can tap the card, swipe it, or scan and pay using your virtual Credit Card. You can also manage your women's Credit Card through your smartphone, be it by converting purchases to EMIs or blocking your card.
When it comes to selecting a women's Credit Card, IDFC FIRST Bank caters to the needs of different customers with a wide range of variants. Here are some of the reasons why you may consider choosing the different variants -
Women's Credit Cards address the financial needs and preferences of women, from eligibility criteria to shopping offers.
Women's credit cards come with different eligibility criteria to cater to women placed at different income levels. Women with no income can get an FD-backed credit card such as the FIRST WOW! Credit Card. Girls with entry-level jobs can go for credit cards with a lower income requirement. The FIRST Classic Credit Card has an annual income eligibility of only ₹3 lacs.
Women's credit cards must be high on reward points and offer convenient redeemability.IDFC FIRST Bank Credit Cards offer up to 10X reward points, which can be instantly used for online or in-store purchases.
Credit cards for women should let you accumulate reward points on one hand while offering jaw-dropping discounts on the other. IDFC FIRST Bank Credit Cards are truly women's credit cards from that perspective. With up to 25% discount on movie tickets, buy-on-get-one movie ticket offers, over 300 merchant offers available all year long, up to 20% discount on over 1500 restaurants and up to 15% discount at over 3000 health and wellness stores, shopping gets better than ever before.
Women's credit cards are an effective tool to get the most out of your financial transactions. You can leverage the women-oriented benefits of credit cards and make credit card use a rewarding experience.
Instead of picking a credit card with standard features, go for a women's credit card that has features designed to address women-specific expectations. IDFC FIRST Bank offers credit card variants that appeal to homemakers, college girls, working women, and self-employed female entrepreneurs. Check out the IDFC FIRST Bank Credit Cards, and take your pick!
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.