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
