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IDFC Bank IDFC First Wealth Credit Card
Rewards & Benefits
Welcome Benefits
Users will receive a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months. 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 30 days of card generation.
Milestone Benefits
Cashback Rate
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%.
3X reward points on rental and property management transactions, cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
Comprehensive travel insurance and air accident cover. Spa visits per quarter and 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spending.
Lounge Access
Fees & Charges
Joining Fee
INR 0
Annual Fee
INR 0
Cash Advance Fee
Cash withdrawal fee - INR 199.
Interest rate
0.75% to 3.5% per month (upto 9%- 42% per annum)
Late Payment Fee
Late payment fee: charged depending on the customer’s Total amount due; ranges from Rs. 0 - 1200 .
Foreign Currency Transactions Fee
Forex Mark up - 1.5%
Other Fees
Fuel Surcharge - 1%, waived upto INR 400 per statement cycle. | Redemption fee: INR 99
दोष
Low effective cashback rate of 0.25%.
Not suitable for shopping and other big spends.
Welcome Benefits: Users will receive a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months. 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 30 days of card generation.
Rewards: 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%. 3X reward points on rental and property management transactions, cashback rate: 0.50%.
4 complimentary domestic & international airport lounge access.
Spa visits per quarter and 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spending.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Age: 21 years & above.
Indian resident with permanent residential address.
Annual Income of INR 36 Lakh or more.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Toll Free No: 1860 258 2000
Whatsapp banking (for registered Nos): Numbers to connect: 95555 55555
•Email us at Banker@idfcfirstbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefits: Users will receive a gift voucher worth Rs 500 on spending Rs 15000 in the first 3 months. 5% cashback (up to Rs1000) on the transaction value of the first EMI done within 30 days of card generation.
Rewards: 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%. 3X reward points on rental and property management transactions, cashback rate: 0.50%.
4 complimentary domestic & international airport lounge access.
Spa visits per quarter and 2 complimentary Golf rounds per month for every ₹20,000 of monthly statement spending.
Low effective cashback rate of 0.25%.
Not suitable for shopping and other big spends.
IDFC First Wealth Credit Card is a feature rich premium credit card. The only flaw the card has is its low cashback rate. If you are looking for a premium credit card and ok with ignoring its low cashback rate you can definitely be satisfied with IDFC First Wealth Credit Card.
IDFC First Wealth Credit Card is a feature rich premium credit card. The only flaw the card has is its low cashback rate. If you are looking for a premium credit card and ok with ignoring its low cashback rate you can definitely be satisfied with IDFC First Wealth Credit Card.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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