IDFC First Classic Credit Card | Features | Benefits | Fees | Apply

IDFC First Classic Credit Card available with 10X rewards on spends greater than ₹20,000, 6X rewards on all online spends, complimentary for life and at industry best interest rates.

Reward Benefits

  • 10X Reward Points on all Spends above ₹20,000
  • 6X Reward Points on Online Spends
  • 3X Reward Points on all Offline Spends
  • Your reward points are not capped and they don’t expire, ever !
  • 10X Rewards on all spends done on your Birthday
  • 1X = 1 Reward Point per ₹100 spent | 1 Reward Point = ₹0.25

Super Saver Benefits

  • Interest free cash withdrawal from ATMs for upto 48 days
  • Low Interest Rate (% APR), starting at 0.75% p.m. (9% annually)
  • NIL Overlimit fees, NIL Addon charges
  • NIL Reward redemption fees

Joining Benefits / Privileges

  • Welcome Gift Vouchers worth ₹500 on spending ₹15,000 within 90 days of card set-up
  • Get 5% cashback on first EMI transaction performed within 90 days of card set-up.
  • 25% discount on movie tickets up to ₹100, once a month
  • Enjoy 4 complimentary Railway lounge visits every quarter
  • Fuel surcharge waiver at all fuel stations across India up to ₹200 every month
  • Personal Accident Cover worth ₹2 Lakh* & complimentary lost card liability cover of ₹25,000
  • 50+ In-App discount offers
  • Free Road Side Assistance(RSA) worth ₹1,399

Fees & Charges for IDFC First Classic Credit Card

  • Lifetime Free Credit Card
  • Over limit Fee – NIL
  • Credit Card Interest Rate – From 0.75% to 2.99% per month
  • FX Markup – 3.5%
  • Late Payment Fee – 15% of Total Amount Due (subject to Min ₹100 and Max up to ₹1,000)
  • International & Domestic Cash Advance Fee – ₹250
  • Reward Redemption Fees – NIL
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