Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • IDFC FIRST Bank Classic Credit Card

    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.

    IDFC First Bank Classic Credit Card - Key Highlights

    • Gift vouchers worth Rs.500 on joining.
    • 5% cashback offered on first EMI transaction.
    • Lifetime-free credit card.
    • 6x reward points given on online spends.

    Features and Benefits of IDFC First Bank Classic Credit Card

    Joining Benefits
    • Gift voucher of Rs.500 given on spending Rs.15,000 within the first 3 months of card issuance.
    • 5% cashback on the first EMI transaction done within the first 90 days of card issuance.
    Reward Point Benefits
    • 10x reward points on all purchases greater than Rs.20,000.
    • 3x reward points given on all offline spends.
    • For online spends, 6x reward points given.
    • 10x reward points given on all expenses made on your birthday.
    Entertainment Benefits
    • 25% discount on movie tickets up to Rs.100. Will be valid once a month.
    Travel Benefits
    • 4 complimentary visits to the Railway lounges per quarter.
    Fuel Benefits
    • 1% fuel surcharge waiver at all petrol pumps up to Rs.200 per month.
    Insurance Benefits
    • Personal Accident Cover of up to Rs.2 lakh.
    • Complimentary lost card liability cover of Rs.25,000.
    Other Benefits
    • Free Road Side Assistance worth Rs.1,399.
    • Low interest rate starting at 9% per annum.
    • Interest-free cash withdrawal from ATMs for up to 48 days.

    IDFC First Bank Classic Credit Card Limit

    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.

    IDFC First Bank Classic Credit Card Fees and Charges

    Type of Charge Amount
    Joining fee Nil
    Annual fee Nil
    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)
    Over-limit charges Nil
    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

    Eligibility Criteria for IDFC First Bank Classic Credit Card

    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.

    Documents Required for IDFC First Bank Classic Credit Card

    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

    FAQs on IDFC First Bank Classic Credit Card

    1. Will my reward points get expired after a certain time?

      No, the reward points earned on the IDFC First Classic Credit Card will be permanent and does not expire.

    2. How can I generate my credit card PIN?

      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.

    3. How much is the value of 1 reward point?

      Each reward point amounts to Rs.0.25 or 25 paise.

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