IDFC First Classic Credit Card

With the IDFC FIRST Classic Credit Card, the cardholder can earn 10 times the reward points for spends that surpass Rs. 20,000 in a month. As a welcome reward, users get a Rs. 500 voucher on the spend of Rs. 5,000.

IDFC First Classic credit card comes with various benefits and exciting rewards. It offers various perks, such as low interest rates, insurance coverage, reward points, and much more. Individuals can apply for this credit card through online or offline methods. This article discusses this card's benefits, features, and fee structures in detail.

Key Highlights

IDFC First Classic Credit Card

IDFC Classic.png

Source: IDFC Bank Official Website

Suitability

Regular Spends

Offers

10X reward points on spends more than Rs. 20,000 p/m

Income

More than Rs. 3 lakhs

Renewal Fee

Rs. 0

Benefits and Features of IDFC First Classic Credit Card

The major advantages of the First Classic card are as follows:

Reward Program Benefits

  • 10X reward points for spending more than Rs. 20,000 p.m. 
  • 10X reward points on spending over Rs. 20,000 on a birthday. 
  • 6X reward points on online purchases of more than Rs. 20,000 per month. 
  • 3X reward points on offline purchases of more than Rs. 20,000 per month. 

Joining Benefits

  • A welcome voucher with Rs. 500 on the spend of Rs. 5,000 or more in the first 30 days of card issue. 
  • 5% cashback on the transaction value of the first EMI conversion done in the first 30 days of the credit card issue. 

Convenience Benefits

  • Transactions of more than Rs. 2,500 can be converted to easy EMIs.
  • Balance transfers of other cards can also be made to the Classic credit card. 

Other Privileges

  • 25% discount on movie tickets.
  • Four complimentary railway lounge access every three months. 
  • Up to 1% fuel surcharge waiver. 
  • Up to 20% discount on various restaurants. 
  • 15% discount at 3,000+ health and wellness merchants. 
  • Personal accident cover with Rs. 2,00,000. 
  • No annual fees or charges. 
  • Interest-free cash withdrawal on Domestic and international ATM vestibules for up to 48 days.  

Annual Fee and Charges of IDFC Classic Credit Card

This is a lifetime-free credit card. Hence, its annual charges and the renewal charges are Nil.

Late Payment Fee Applicable on IDFC Class Credit Card

The late charges of the First Class card are:

Late Payment Fee

Amount

15% 

On total amount due

Eligibility Criteria to Apply for the IDFC Classic Card

You need to meet the below-mentioned eligibility criteria to avail this credit card:

Residence

Indian

Income

More than Rs. 3 lakhs per annum

Age

Above 21 Years of Age

Documents Required to Apply

The mandatory basic documents required to avail of this credit card are:

  • ID Proof: Aadhaar, Voter ID, etc.
  • Address Proof: Passport, Aadhaar, Voter ID, Utility Bill, etc.
  • Income Proof: Salary slips or ITR

How to Apply for IDFC Classic Credit Card

You can apply for the card online through the steps mentioned below:

Step 1: Visit https://www.idfcfirstbank.com/credit-card/classic, the official page for the IDFC Classic credit card. 

Step 2: Click on the Apply Now tab provided on the screen.

Step 3: Complete the application form with the right details and click on submit.

A representative of the IDFC bank will get in touch with you with further information.

Similar Credit Cards

Credit Card Name

Characteristic

YES Bank Prosperity Reward Plus

Extra reward points on dining, international, and online spending. 

HDFC MoneyBack Credit Card

2X reward points on online spending. 

Axis Bank ACE Credit Card

5% cashback on bill payments, mobile recharges, DTH, and other bill payments through Google Pay. 

SBI SimplyCLICK Credit Card

10X reward points on online spending. 

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