Welcome Benefits: Users will get gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of first EMI done within 30 days of card generation.
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IDFC First Classic Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of first EMI done within 30 days of card generation.
Milestone Benefits
10X reward points on crossing spends of INR 20,000 in a statement cycle & on user' birthday. Special Cashback Rate: 1.66%.
Cashback Rate
Users will get 3 reward point per INR 150 spent uptill the monthly spend touches INR 20,000
Value of 1 reward point is INR 0.25.
General Cashback Rate: 0.25%
10X reward points on crossing spends of INR 20,000 in a statement cycle & on user' birthday.
Special Cashback Rate: 1.66%.
1X reward points on insurance premiums and utility bill payments.
Insurance+ Cashback Rate: 0.16%.
Movie Benefits
25% discount on movie tickets up to ₹100 on the District mobile app (valid once per month).
Dining Benefits
Dining discounts and shopping offers from IDFC from time to time.
Other Benefits
4 complimentary railway lounge visits per quarter.
Complimentary roadside assistance worth INR 1,399.
Dining discounts and shopping offers from IDFC from time to time.
Personal accident cover of INR 2 lakhs.
One of the lowest interest rate.
User can activate digital Rupay card along with the physical card and like the card to UPI.
Lounge Access
4 complimentary railway lounge visits per quarter.
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users will get gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months and 5% cashback (up to Rs1000) on the transaction value of first EMI done within 30 days of card generation.
Milestone Benefits
10X reward points on crossing spends of INR 20,000 in a statement cycle & on user' birthday. Special Cashback Rate: 1.66%.
Cashback Rate
Users will get 3 reward point per INR 150 spent uptill the monthly spend touches INR 20,000
Value of 1 reward point is INR 0.25.
General Cashback Rate: 0.25%
10X reward points on crossing spends of INR 20,000 in a statement cycle & on user' birthday.
Special Cashback Rate: 1.66%.
1X reward points on insurance premiums and utility bill payments.
Insurance+ Cashback Rate: 0.16%.
Movie Benefits
25% discount on movie tickets up to ₹100 on the District mobile app (valid once per month).
Dining Benefits
Dining discounts and shopping offers from IDFC from time to time.
Other Benefits
4 complimentary railway lounge visits per quarter.
Complimentary roadside assistance worth INR 1,399.
Dining discounts and shopping offers from IDFC from time to time.
Personal accident cover of INR 2 lakhs.
One of the lowest interest rate.
User can activate digital Rupay card along with the physical card and like the card to UPI.
Lounge Access
4 complimentary railway lounge visits per quarter.
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
Cash withdrawal fee - INR 199.
Interest rate
Interest Rate - 0.75% - 3.5% (Monthly). Annual Interest Rate - 9% - 42%.
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 100 - 1250 .
Foreign Currency Transactions Fee
Forex Mark up - 3.5%.
Other Fees
Fuel Surcharge - 1%, waived upto INR 200 per statement cycle. | Redemption fee: INR 99.
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate - 0.75% - 3.5% (Monthly). Annual Interest Rate - 9% - 42%.
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 100 - 1250 .
Foreign Currency Transactions Fee
Forex Mark up - 3.5%.
Other Fees
Fuel Surcharge - 1%, waived upto INR 200 per statement cycle. | Redemption fee: INR 99.
Special Features
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.
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
The card offers low cashback rate and minimal value add features. Overall the card has limited appeal.
The card offers low cashback rate and minimal value add features. Overall the card has limited appeal.
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