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The IDFC First Bank Classic Credit Card is a lifetime free credit card offered by IDFC First Bank. This rewards credit card offers a wide range of benefits under the reward points category apart from other categories such as entertainment, travel, etc.
The IDFC First Classic Credit Card does not require any joining fee or annual fee and comes with an interest rate between 0.75% - 2.99% per month.
|Reward Point Benefits||
The credit limit for the IDFC First Credit Card is assigned by the bank. IDFC First Bank takes many factors into consideration before assigning the limit such as the credit score of the applicant, the repayment habits of past debts along with the credit utilisation ratio of the applicant.
|Type of Charge||Amount|
|Finance charges||0.75% - 2.99% per month|
|Rewards redemption fee||Nil|
|Cash advance fee||Rs.250|
|Late payment fee||15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000)|
|Outstation cheque processing fee||Nil|
|Card replacement fee||Rs.100|
|Charge slip request||Nil|
|Foreign currency markup||3.5%|
|Fuel surcharge||1% of the transaction value|
|Credit Score||Having a good credit score can increase your chances to be eligible for the card.|
|Age||He or she must be at least 18 years old.|
|Nationality||The primary applicant must be a citizen of India.|
|Employment status||The applicant must be salaried or self-employed.|
|Proof of Address||Income Proof||Identity Proof|
|Voter ID||Salary Slip||Aadhaar Card|
|Ration Card||Form 16||Driving License|
|Passport||Salary Slip||Voter ID|
|Aadhaar Card||IT Returns|
No, the reward points earned on the IDFC First Classic Credit Card will be permanent and does not expire.
To generate the PIN of the IDFC First Classic Credit Card, you can either log in to your net banking account or your mobile banking account. If not, you can call the customer care of the bank to generate or change your PIN.
Each reward point amounts to Rs.0.25 or 25 paise.
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