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IDFC Bank First Classic Credit Card

Product Details
Credit Card Name : 

IDFC Bank First Classic Credit Card

Bank Name :

IDFC First Bank

Type :

Rewards Credit Card

Interest Rate : 

0.75% - 3.5% (Monthly). Annual Interest Rate - 9% - 42%.

Eligibility :

Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 3 Lakh or more.

IDFC Bank First Classic Credit Card
Pros
  • Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 2. 5% Cashback (up to Rs1000) on the transaction value of the first EMI done within 30 days of card generation.

  • Rewards: Customers can earn up to 4X rewards for offline purchases and rental spends, and up to 6X for online purchases. 

  • Lifestyle benefits: Complimentary airport lounge and golf access. 

  • Other Offers: Customers can get upto 25% across 1,500 restaurants and 25-75% discount on movie tickets every month. 

Cons


  • Low effective cashback rate of 0.25%. 

  • Card provides limited offers and value add services to its users in comparison to other cards.

Pros & Cons
Welcome Benefits

Welcome Benefits: Gift Voucher worth Rs 500 on spending Rs 15000 in first 3 months and 2. 5% Cashback (up to Rs1000) on the transaction value of first EMI done within 30 days of card generation.

Rewards System

Reward System: 1 Reward Point per INR 150 spent. 1 Reward Point = INR 0.25.  Reward not available for Fuel, Insurance, EMi transactions & cash withdrawals. Effective Cashback Rate: 0.25%.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features

Get 24/7 complimentary Roadside Assistance (RSA) across India up to 4 times in a year.

Eligibility Criteria

Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 3 Lakh or more.

Benefits


  • Dining and movie ticket discounts 

  • Lounge access facility. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

You can apply for the IDFC First Classic Credit Card online or at any IDFC First Bank branch. Here are the steps on how to apply for the card online:

  • Go to the IDFC First Bank website and click on the "Apply for a Credit Card" tab.

  • Select the "First Classic Credit Card" from the list of cards.

  • Enter your personal details, such as your name, email address, and contact number.

  • Enter your employment details, such as your employer's name and your income.

  • Upload a copy of your PAN card and your latest salary slip.

  • Submit your application.

  • An IDFC First Bank representative will contact you to verify your details and to process your application. If your application is approved, you will receive your credit card within 7-10 working days.

Contact Details

Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Numbers to connect: 95555 55555
Email us at Banker@idfcfirstbank.com

Account Opening and Procedure
IDFC Bank First Classic Credit Card

IDFC Bank First Classic Credit Card comes with a number of benefits, however, most of these benefits will be rarely used by a middle class individual. There are many beginner level credit cards which are offering better set of benefits than IDFC Bank First Classic Credit Card.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining Fee: INR 0

  • Annual Fee: INR 0

  • Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 100 - 1250 .

  • Fuel Surcharge - 1%, waived upto INR 200 per statement cycle.

  • Cash withdrawal fee - INR 199.

  • Redemption fee: INR 99.                                                                  

  • Interest Rate - 0.75% - 3.5% (Monthly). Annual Interest Rate - 9% - 42%.

  • Forex Mark up - 3.5%.

Fuel Surcharge

Fuel Surcharge - 1%, waived upto INR 200 per statement cycle.

Billing Cycle

30 Days

Fees & Charges
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