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IDFC Bank

IDFC FIRST Classic Credit Card

IDFC FIRST Classic Credit Card

  • Joining Fee :

    Nil

  • Renewal Fee :

    Nil

  • Reward Type :

    Reward Points

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days. Also, get 5% cashback on the value of your first EMI transaction done inside 90 days of card generation.

Best suited for

Travel | Shopping

Product Details

  • 3x Reward Points on every Rs. 150 you spend on offline purchases.

  • 6x Reward Points on every Rs. 150 you spend on online purchases.

  • 10x Reward Points on every Rs. 150 you spend on purchases above Rs. 20,000.

  • 10x Reward Points on every Rs. 150 spent on your birthday.

  • The card comes with no joining/renewal fee.

  • Welcome benefit of a gift voucher worth Rs. 500 and 5% cashback on the value of your first EMI transaction

  • 25% discount on movie tickets on the Paytm app, up to Rs. 100, once per month.

  • 4 complimentary Railway lounge access every quarter.

  • More than 300 partner merchant offers.

  • Get free Road Side Assistance worth Rs. 1399

  • Get personal accident cover worth Rs. 2 Lakhs and lost card liability cover worth Rs. 25,000

Rewards & Benefits

  • Movie & Dining

  • Get a 25% discount on movies (up to Rs. 100) on the Paytm app, once per month, and up to 20% discount on dining through your IDFC FIRST Classic Credit Card.

  • Rewards Rate

  • 3 Reward Points on every offline spend of Rs. 150 & 6 Reward Points on every online spend of Rs. 150.

  • Reward Redemption

  • The Reward Points can be redeemed instantly for online transactions & partner stores. Here, 1 Reward Point = Rs. 0.25.You have to pay a convenience fee of Rs. 99 plus taxes to redeem your rewards points.

  • Travel

  • Get complimentary Railway lounge access 4 times in a calendar quarter. You also get complimentary roadside assistance worth Rs. 1399 4 times in a year

  • Golf

  • NA

  • Domestic Lounge Access

  • N/A

  • International Lounge Access

  • NA

  • Insurance Benefits

  • You get a personal accident cover worth Rs. 2 Lakhs and a lost card liability cover worth up to Rs. 25,000

  • Zero Liability Protection

  • You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.

Fees & Charges

  • Spend Based Waiver

  • NA

  • Rewards Redemption Fee

  • Rs. 99 plus taxes

  • Rewards Redemption Fee

  • Rs. 99 plus taxes

  • Foreign Currency Markup

  • 3.5% on all foreign currency spends.

  • Interest Rates

  • 0.75% to 3.5% per month

  • Fuel Surcharge

  • 1% fuel surcharge waiver (up to Rs. 200 per statement cycle)

  • Cash Advance Charges

  • Rs. 199

  • Add-on Card Fee

  • Nil

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₹20 is the minimum earnings required for withdrawal

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₹20
Min. withdrawal amount ( UPI )