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IDFC Bank First Classic Credit Card

IDFC Bank First Classic Credit Card

 Card Details
Joining Fee: 

Renewal Fee: 

Card Type:

Reward Type:

Welcome Benefits:
0

Rewards & Benefits

Welcome Benefits

 On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.

Milestone Benefits

annual fee reversal on spending inr 1,00,000 on the card.

Cashback Rate

cashback rate: 1. cashback rate: 1. cashback rate: 0.

Lounge Access

0

Movie Benefits

8

Dining Benefits

Other Benefits

reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.

Cons


  • Low effective cashback rate of 0.25%. 

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

  • 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.

  • Reward System: Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

  • 25% discount on movie tickets up to ₹100 on the Paytm mobile app (valid once per month).

  • 4 complimentary railway lounge visits per quarter.

  • Complimentary roadside assistance worth ₹1,399.

  • Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month.

  • Lifestyle benefits: Complimentary airport lounge and golf access. 

  • Customers can get discounts of upto 20% across 1,500 restaurants and 25-75% discounts on movie tickets every month. 

Rewards & Benifits
Welcome Benefits
  • Users will get a 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 the first EMI done within 30 days of card generation.

Rewards System

Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

International Forex Markup

3.5%.

Welcome Benefits and Reward System
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.

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

Recommended Credit Cards

Pros:-

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Cons:-

  • 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.

  • Reward System: Users will get 1 reward point per₹150 spent, and the value of 1 reward point is ₹0.25. 3X reward points on spends till ₹20,000 in a statement cycle, cashback rate: 0.50%. 10X reward points on crossing spends of ₹20,000 in a statement cycle & on your birthday, cashback rate: 1.66%. 1X reward points on Insurance premium and Utility bill payments. cashback rate: 0.16%.

  • 25% discount on movie tickets up to ₹100 on the Paytm mobile app (valid once per month).

  • 4 complimentary railway lounge visits per quarter.

  • Complimentary roadside assistance worth ₹1,399.

  • Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month.

  • Lifestyle benefits: Complimentary airport lounge and golf access. 

  • Customers can get discounts of upto 20% across 1,500 restaurants and 25-75% discounts on movie tickets every month. 


  • Low effective cashback rate of 0.25%. 

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

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.

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

1%, waived upto INR 200 per statement cycle.

Billing Cycle

30 Days

Fees & Charges
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