IDFC FIRST Classic Credit Card 2024 is also a no annual fee credit card issued by the bank. The card comes without a joining fee but keeps all the requirements of its customers in mind. It welcomes you with a gift voucher worth Rs. 500 and a 5% cashback on your first EMI transaction. With this card, you get 3 Reward Points on every Rs. 150 spent on offline purchases and 6 for every Rs. 150 spent on online purchases. You can even earn up to 10 Reward Points on incremental spends above Rs, 20,000 in a month. Other than that, you get extra reward points for big purchases and for all the transactions made on your birthday.
Not only Reward Points, but the card also provides you with great travel, movie & dining benefits as you get 4 complimentary Railway lounge access every quarter, up to 20% discount on dining, and a discount of 25% on movies.
Fees and Charges :
- Joining Fee : Nil
- Renewal Fee : Nil
Best Suited For : Travel and Shopping (Online / Offline)
Reward Type : Reward Points
Welcome Benefits : Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.
Welcome Benefits :
IDFC FIRST Classic Credit Card, you will get a gift voucher worth Rs.500 on spending Rs.15,000 within 90 days from the date of card activation. And, a 5% cashback is provided on the 1st EMI transaction made within 90 days of card set-up. The introductory benefits are not extraordinary but can be called satisfactory considering the card comes free for a lifetime.
Reward Point System :
- 3x Reward Points on every Rs. 150 you spend on offline purchases.
- 6x Reward Points on every Rs. 150 you spend on online purchases.
- 10x Reward Points on every Rs. 150 you spend on purchases above Rs. 20,000.
- 10x Reward Points on every Rs. 150 spent on your birthday.
- The card comes with no joining/renewal fee.
- Welcome benefit of a gift voucher worth Rs. 500 and 5% cashback on the value of your first EMI transaction
- 25% discount on movie tickets on the Paytm app, up to Rs. 100, once per month.
- 4 complimentary Railway lounge access every quarter.
- More than 300 partner merchant offers.
- Get free Road Side Assistance worth Rs. 1399
- Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000
Apply For IDFC FIRST Classic Credit Card : Click Here
- Interest-rate System:
IDFC First Credit Cards come with a dynamic interest rate model, based on the user’s profile. Interest rates range from 9% p.a. and can go up to 42% p.a. Best rated customers can avail a preferential rate of 9% p.a. (0.75% per month).
IDFC First Credit Cards also offer up to 48 days interest-free period on cash withdrawals and a low cash withdrawal fee of Rs. 250 only. A majority of credit cards in India do not offer an interest-free period on cash withdrawal, which means interest charges are applicable on these transactions from the day of withdrawal. In addition, they charge up to Rs. 500 as withdrawal fee. However, with IDFC First Cards, you will get interest-free period on cash withdrawals as well as a low withdrawal fee.
Reward Point Value :
1x = 1 reward point per Rs.150 spent | 1 reward point = Rs. 0.25 | 4 reward point = Rs. 1
Reward redemption charges : IDFC FIRST Classic Credit Card charges a convenience fee of Rs. 99 plus taxes for reward redemption.
Note : Reward Points never expire
Movie & Dining Benefits
- You get a 25% discount on movies (up to Rs. 100) once every month, on the Paytm app.
- Get a discount of up to 20% on dining across over 1,500 restaurants.
Other Benefits
- You get complimentary Road Side Assistance worth Rs. 1,399 up to four times a year.
- Get a discount of up to 15% at more than 3000 Health & Wellness outlets.
- Get over 300+ partner merchant offers throughout the year.
Documents Required
The documents required to apply for the IDFC First Bank Classic Credit Card are listed below:
- Aadhar Card, Voter’s Id, Driving License, PAN Card, or Passport as an identity proof.
- Latest months’ utility bills, Aadhar Card, or Passport as an address proof.
- You will also need to submit your latest salary slips/latest bank statements, or latest audited ITR.
Apply For ICICI Lifetime Free Credit Card : Click Here
