IDFC Bank Classic Credit Card
IDFC Bank IDFC Bank

IDFC FIRST Bank Classic Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: Lifetime free

Renewal Fee: Lifetime free

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

Check your eligibility for this card

By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms & Conditions & Privacy Policy

credit card apply now

The IDFC FIRST Bank Classic Credit Card is a lifetime-free credit card. It is specifically designed to offer a range of benefits for new and experienced cardholders. With this credit card cardholders get attractive rewards, complimentary lounge access, entertainment, travel, and various lifestyle perks. This credit card can make your financial life so much easier without any burden of annual fees.

Best Credit Cards with Zero Annual Charges in India

IDFC FIRST Bank Classic Credit Card Features, Eligibility and Fees

Card Type

Rewards & Travel

Welcome Rewards
  • You earn a gift voucher of ₹500 on spending ₹5,000 or more within the first 30 days of card issuance.
  • The card also offers a cashback of 5% up to ₹1,000 within the first 30 days of card issuance.
Rewards Points
  • Cardholders earn 3X Reward Points for every ₹150 spent.
  • Users also get 10X Reward Points on spending exceeding₹20,000 in a billing cycle.
  • On your birthday, you will receive 10X Reward Points on all purchases.

    • Also remember that categories such as Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges are excluded from the 10X Reward Points threshold.

Reward Redemption
  • You can also redeem your reward points instantly for online transactions and at partner stores. Its 1 Reward Point is equal to ₹0.25.
  • Reward Points never expire until your card remains active.
Lounge Access
  • You can also avail 4 complimentary railway lounge visits per quarter, totaling 16 for a year.
Dining Benefits
  • Enjoy up to a 20% discount at over 1,500 partnered restaurants across India.
Movie Benefits
  • Get a 25% discount on movie tickets (up to ₹100) once per month via the District by Zomato app.
Fuel Surcharge Waiver
  • Receive a 1% waiver on fuel surcharge for transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle.
Insurance Benefits
  • Personal accident cover of ₹2 lakh.
  • Lost card liability cover up to ₹25,000.
Additional Benefits
  • Complimentary roadside assistance worth ₹1,399, available up to 4 times a year.
  • Access to over 300 merchant offers.
Concierge Services
  • Dedicated assistance for gift delivery, flower delivery, and even online doctor consultations.
Renewal Fee Waiver
  • Annual fee of Rs. 4,999 is waived off if you spend Rs. 10 lakh or more in the previous year.

IDFC FIRST Bank Classic Credit Card Eligibility:

Eligibility Criteria of IDFC FIRST Bank Classic Credit Card

  • Age: 21 to 60 years
  • Income: Even though the credit card does not have specific income criteria. You can contact you can contact IDFC FIRST Bank to find out the eligible income criteria
  • Occupation: Both salaried and self-employed individuals can apply for this credit card

Documents Required

  • Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driver’s License.
  • Proof of Address: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Property Registration Document.
  • Proof of Income: Latest salary slips (not older than 3 months), Form 16, or last 3 months' bank statements.

Note: IDFC FIRST Bank may request additional documents as per their internal policies.

Fees and charges that apply to IDFC FIRST Bank Classic Credit Card:

Fee / Charge Amount/Rate
Annual Fee (one time) Lifetime free
Joining Fee Lifetime free
Interest Rates (APR) 0.75% to 3.65% per month (9% to 43.8% per annum). Effective from February 20, 2025, the APR range will be revised to 8.5% to 46.2% per annum.
Cash Advance Charges ₹199 per transaction.
Foreign Currency Markup 3.5% on all foreign currency transactions.
Late Payment Charges 15% of the total amount due, subject to a minimum of ₹100 and a maximum of ₹1,300
Over Limit Charges 2.5% of the over-limit amount, subject to a minimum of ₹550.
Rent Payment Surcharge 1% of the transaction amount, subject to a minimum of ₹249 plus GST. citeturn search
Utility Payment Surcharge 1% surcharge plus GST on aggregate utility spends above ₹20,000 in a statement cycle.

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

Apply For IDFC FIRST Bank Classic Credit Card On
mybankingtips.com

Apply Now

FAQs

New card users get a gift voucher of ₹500 if they spend ₹5,000 or more within the first 30 days. Additionally, the cardholders also get 5% cashback (up to ₹1,000) on the first EMI transaction made within 30 days of card issuance.

You can easily redeem cashback points earned through IDFC FIRST Bank Classic Credit Card at partner stores. Each reward point is equal to ₹0.25.

With this card, you get up to 4 complimentary railway lounge visits per quarter which is equal to 16 visits per year.

No, this credit card is lifetime free which means you will be charged no joining fee and annual fee.

The IDFC FIRST Bank Credit Card charges a foreign currency markup fee of 3.5% on all international transactions.

You may also intreasted in

Idfc Bank Credit Cards

Credit Card by Banks

Related Articles

Best Credit Cards For