In this busy life schedule, you need some funds to manage your petty expenses or some source of fund from where you can  avail as much credit as you require at any time you want . So basically , you need a good source of not only good income but also to receive some credit in case of emergency or in case you need funds to meet your expenses. In this post ,we have tried to elaborate an easy way with which within your pocket , you would be able to spend as much as you can as your pocket would never be empty . You might be thinking how this could be possible , but the most re-known brand in credit facilities i.e IDFC First has launched its mobile credit application where within a single application you are able to apply credit card , credit limit or a bank loan .

In this post , you will get to know more about how you can apply a loan or credit card facilities from IDFC First bank . Availing IDFC First bank loan cost , interest and terms of conditions etc have also been explained in this post only. Some other questions answered in this post include :

1. How to Apply IDFC First Loan and Credit Card ?
2. Benefits of IDFC First Loan and Credit Card
3. Eligibility of IDFC First  Loan and Credit Card
4. Fees / Commission Charges in IDFC First Loan and Credit Card

IDFC First Loan and Credit Card  

IDFC First is among the top leading banking companies which provide credit facilities like home loan , personal loan , loan against property , credit card facilities , credit limit facilities , shopping cards and rewards on spending. It has been awarded with numerous mementos for providing the cheap and objection free credits to its customers . In the current year , the company got a number of new users which were much more than what the Indians top credit companies were thinking off. IDFC First with over more than 500 branches in India , is providing seamless and contactless credit facilities where users from their work places or womens from their homes are applying for credit facilities .

IDFC First being a privately owned company provides more than 100 credit options to its customers out of which small credit schemes are offered though its mobile netbanking or credit app . Taking a loan thorugh IDFC First is very simple and does not require much formalities to be followed .

IDFC First Loan and Credit Card Application

The biggest advantage of having a loan application placed in IDFC First bank is that , the bank provides complete virtual assistance on loan applications . An application of small buiness loan , personal loan or a credit card applicant unlike other bank does not have to approach to the bank to apply for the loan only , the entire process can be performed online with the net-banking or mobile banking application of the bank .

To apply for IDFC First loan or to submit a credit card application :

1. First login in to the mobile banking application of IDFC , if you are an account holder in IDFC First bank . If not then you have to reach bank for taking a loan if not being a customer of its banking services .
2. Once login is done, look for the option written as take a loan and look for all formalities what all be required to file an application for a loan and after which you shall be taken to the loan application form.
3. Once the loan application form is opened enter all necessary details , within which you shall be disclosing all your income details and KYC Details .
4. After submission . enter the amount of loan you want to apply for and click submit . After successful submission you shall receive a call from the bank and a personnel from the bank shall reach you with the require documents and forms for completion of the loan process .
5. The same shall apply even in case of application of Credit Card , where no personal verification shall be done for issue of IDFC First Credit Card.

With all documents and declarations provided, your loan application shall be sent to the higher authorities and with their approval you shall be granted a loan or a credit card .

Benefits of IDFC First Loan and Credit Card

IDFC First is known for its services and for its usage of virtual technology to serve its customer . Once you make a successful application for a loan in the bank , you shall be granted a loan and credit card facilities within the lowest time possible , the other benefits involved include :

1. Availability of loan within 48 hrs , the status shall be app-loaded in the mobile banking application online .
2. The entire loan application or credit card facility is available online , an applicant does not have to physically visit the bank for verification or any other proceedings .
3. Loan can be repaid from multiple payment modes.
4. Lowest interest rates charged

Things to Know !

Agar ap IDFC First credit card apply krte hai to apko ye sab benefits mil jate hai jaise :

1. Lifetime ke liye free credit card or ek particular limit tk shopping or spending free.
2. Credit card par interest would be charged at 0.75% se lekar 3 percent per month charges hi lagenge .
3. Credit card ki latepayment par apko 15% late charges dene hote hai jisme agar dusre bank se compare kie jate to penalty 20% tk ajati hai .

Hope , you find this post informative and interesting about IDFC First loan and Credit card . If you have any query related to securing any bank loan or loan from IDFC , then you can send us your feedback comments down in the comment section or you can contact us through our contact us page