IDFC FIRST Classic Credit Card, Rewards and Benefits, Joining Fees Charges, Apply Online
IDFC FIRST Classic Credit Card: IDFC FIRST Classic Credit Card – a no annual fee card designed to cater to the diverse needs of its customers, while offering a plethora of benefits and rewards. As a token of welcome, the card greets you with a generous gift voucher worth Rs. 500, along with the added perk of 5% cashback on your first EMI transaction, making your initiation into the card’s benefits even more rewarding.
Earn rewards effortlessly with every swipe – get 3 Reward Points on every Rs. 150 spent on offline purchases and double the rewards with 6 points for every Rs. 150 spent online. Additionally, unlock the potential to earn up to 10 Reward Points on incremental spends above Rs. 20,000 in a month. Make your birthday extra special with bonus reward points for all transactions made on your special day.
But that’s not all – the IDFC FIRST Classic Credit Card goes beyond just reward points, offering a suite of travel, movie, and dining benefits. Enjoy the luxury of 4 complimentary Railway lounge accesses every quarter, along with enticing discounts of up to 20% on dining and a generous 25% discount on movies, ensuring every outing is a memorable experience.
Furthermore, the card comes packed with additional perks such as complimentary Road Side Assistance and insurance benefits, providing you with peace of mind wherever life takes you.
Explore the world of benefits and rewards with the IDFC FIRST Classic Credit Card – where convenience, affordability, and indulgence converge. Apply now and elevate your spending experience to new heights.
As for the co-branded offering by HDFC and Paytm, stay tuned to discover how it stacks up against the unparalleled benefits of the IDFC FIRST Classic Credit Card.
| Fees | Joining Fee- Nil Renewal Fee- Nil |
| Best Suited For |
Travel | Shopping |
| 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
|
Rewards and Benefits
- Enchanting Movie Moments:- Embark on cinematic adventures with exclusive privileges on the Paytm app. Enjoy a generous 25% discount on movie tickets, up to Rs. 100, once per month. Let the magic of the silver screen captivate you while indulging in savings and entertainment like never before.
- Savor the Flavors of Dining:- Delight your palate with irresistible dining offers. Enjoy up to a 20% discount on dining experiences with your IDFC FIRST Classic Credit Card, ensuring that every meal is a celebration of taste and savings.
- Rewarding Your Every Spend:- Unlock a treasure trove of rewards with every swipe of your card. Earn 3 Reward Points on every offline spend of Rs. 150 and 6 Reward Points on every online spend of Rs. 150. These Reward Points can be redeemed instantly for online transactions and at partner stores, with 1 Reward Point equating to Rs. 0.25. Simply pay a convenience fee of Rs. 99 plus taxes to redeem your rewards and indulge in the ultimate shopping spree.
- Travel in Style and Comfort:- Elevate your travel experiences with complimentary Railway lounge access four times in a calendar quarter. Relax and unwind in luxurious surroundings while awaiting your journey. Additionally, enjoy peace of mind on the road with complimentary roadside assistance worth Rs. 1399, available four times a year.
- Comprehensive Insurance Benefits:- Stay protected at all times with a personal accident cover worth Rs. 2 Lakhs and a lost card liability cover worth up to Rs. 25,000. Whether you’re at home or traveling, rest assured knowing that you’re covered against unforeseen mishaps and fraudulent transactions.
- Embrace Zero Liability Protection:- Experience peace of mind with our Zero Liability Protection feature. In the unfortunate event of fraudulent transactions, rest assured knowing that you won’t be held liable if you report the loss to the bank promptly.
Fees & Charges
- Seamless Rewards Redemption:- Unlock a world of possibilities with our seamless rewards redemption process. Redeem your accumulated Reward Points effortlessly for a variety of offerings, from merchandise to vouchers, and more. With a nominal redemption fee of Rs. 99 plus taxes, indulge in the ultimate shopping spree without any hassle.
- Global Convenience with Minimal Markup:- Embark on international adventures with confidence, knowing that your foreign currency transactions are managed seamlessly with just a 3.5% markup. Whether you’re exploring exotic destinations or shopping abroad, enjoy the convenience of global access without compromising on savings.
- Flexible Interest Rates:- Experience the freedom to manage your finances with flexible interest rates ranging from 0.75% to 3.5% per month. Choose the plan that aligns with your lifestyle and spending habits, ensuring that you maintain control over your financial journey.
- Savings at the Pump:- Hit the road with confidence and savings in tow. Enjoy a 1% fuel surcharge waiver, providing you with savings of up to Rs. 200 per statement cycle. Whether you’re commuting to work or embarking on a road trip, enjoy savings at the fuel station with every fill-up.
- Convenient Cash Access:- Access cash effortlessly with a nominal transaction fee of just Rs. 199 per withdrawal. Enjoy the freedom to withdraw cash whenever and wherever you need it, ensuring that you’re always prepared for any situation.
- Complimentary Add-on Card:- Share the luxury with your loved ones with a complimentary add-on card. Extend the benefits of your IDFC FIRST Elite Credit Card to your family members, without any additional fees, ensuring that they too can indulge in the finer things in life.
Product Details
- Indulge in the joy of shopping offline with a remarkable 3x Reward Points for every Rs. 150 spent, while online purchases elevate your experience with an incredible 6x Reward Points for the same amount. But that’s not all – exceed the Rs. 20,000 mark in your transactions and witness the magic of 10x Reward Points, setting a new standard in rewards.
- Celebrating your special day? Enjoy a lavish 10x Reward Points on every Rs. 150 spent as you commemorate your birthday in style. And as a warm welcome, receive a delightful gift voucher worth Rs. 500, accompanied by an irresistible 5% cashback on your maiden EMI transaction.
- Entertainment knows no bounds with our card. Avail a generous 25% discount on movie tickets via the Paytm app, saving up to Rs. 100 every month. And for those who seek comfort and luxury, relish in 4 complimentary Railway lounge access passes every quarter, elevating your travel experience to new heights.
- But the perks don’t stop there. With over 300 partner merchant offers at your disposal, the possibilities are endless. And for the unexpected twists on the road, enjoy free Roadside Assistance worth Rs. 1399, ensuring peace of mind wherever you go.
- Safety and security are our utmost priorities. Benefit from a personal accident cover worth Rs. 2 lakhs and lost card liability cover worth Rs. 25,000, safeguarding you against unforeseen circumstances.
- Embrace a life of luxury and convenience with our unparalleled card, where every swipe is met with unparalleled rewards and privileges, curated just for you. Welcome to a world where excellence knows no bounds.
IDFC FIRST Classic Credit Card Features and Benefits
IDFC FIRST Classic Credit Card – a premium offering from IDFC First Bank that sets the standard for rewards, benefits, and affordability. Designed to cater to the diverse needs of its users, this card comes packed with features that enhance every aspect of your spending experience.
Welcome Benefits:
Embark on your credit card journey with a warm welcome – receive a welcome gift voucher worth Rs. 500 upon spending over Rs. 15,000 within the first 90 days of card activation. Additionally, enjoy a generous 5% cashback on your first EMI transaction, up to Rs. 1000, if done within 90 days of card setup.
Reward Points:
Earn rewards effortlessly with every transaction – get 3x Reward Points for every Rs. 150 spent offline and double the rewards with 6x points for every Rs. 150 spent online. Take your rewards to the next level with 10x Reward Points on purchases exceeding Rs. 20,000 and enjoy the same bonus on your birthday spending.
Rewards Redemption:
Redeem your earned Reward Points seamlessly for online transactions or at partner stores. Every 1 Reward Point is equivalent to Rs. 0.25, ensuring maximum value for your points. A nominal convenience fee of Rs. 99 plus taxes applies for reward redemption.
Travel Benefits:
Travel in style with 16 complimentary Railway Lounge accesses every year (4 per quarter) and enjoy the added convenience of complimentary roadside assistance worth Rs. 1399, available four times a year.
Movie & Dining Benefits:
Indulge in entertainment and dining experiences with a 25% discount on movies (up to Rs. 100) once every month on the Paytm app. Additionally, avail discounts of up to 20% at over 1,500 restaurants, enhancing your dining experiences.
Insurance Benefits:
Stay protected on the go with a personal accident cover worth Rs. 2 lakhs and coverage of Rs. 25,000 in case of a lost card, providing peace of mind wherever you are.
Other Benefits:
Experience convenience and savings with a host of additional benefits, including over 300 partner merchant offers, complimentary Road Side Assistance worth Rs. 1,399, and discounts of up to 15% at more than 3000 Health & Wellness outlets.
Fuel Surcharge Waiver:
Enjoy a 1% fuel surcharge waiver across all fuel stations in India, with the maximum waiver capped at Rs. 200 per month.
Fees and Charges:
Benefit from a lifetime free credit card with zero joining and annual fees. The card offers competitive interest rates ranging from 0.75% to 3.5% per month, along with a 3.5% foreign currency markup fee and a cash advance fee of Rs. 199 per transaction.
Eligibility Criteria:
To qualify for the IDFC FIRST Classic Credit Card, applicants must be at least 21 years old, either salaried or self-employed with a decent monthly income, and possess a satisfactory credit score.
Documents Required:
Submit identity and address proof documents such as Aadhar Card, Voter’s ID, Driving License, PAN Card, Passport, and latest utility bills or bank statements. Additionally, provide salary slips, bank statements, or audited ITR for income verification.
How to Apply:
Applying for the IDFC FIRST Classic Credit Card is easy – choose between online or offline application methods. Apply online by following simple steps on the IDFC First Bank website or visit the nearest branch to apply in person.
Conclusion:
The IDFC FIRST Classic Credit Card delivers unmatched benefits and rewards without any joining or renewal fees, making it an ideal choice for discerning consumers. With its array of exclusive privileges across various categories, including travel, dining, movies, and more, coupled with low-interest charges, this card is a standout option for those seeking value and convenience in their credit card experience. Whether you’re looking for rewards, benefits, or affordability, the IDFC FIRST Classic Credit Card has you covered.
Apply Now |
Click Heare |
