IDFC FIRST Classic Credit Card

9.4
Expert ScoreRead review
  • 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

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IDFC FIRST Classic Credit Card

9.4
Expert ScoreRead review
  • 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
Category:
Reward Type
Reward Points
Renewal Fee
Nil
Joining Fee
Nil
Type of Card
Cashback
Welcome Benefits
Get a welcome gift voucher worth Rs. 500 on spend 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.

USP of Card

  • 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

Fees & Charges

Spend Based Waiver
NA
Interest Rates
0.75% to 3.5% per month
Cash Advance Charges
3.5% on all foreign currency spends
Rewards Redemption Fee
Rs 99 per redemption request (plus applicable taxes)
Fuel Surcharge
1% fuel surcharge waiver (up to Rs. 200 per statement cycle)
Foreign Currency Markup
Rs. 199
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
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.
Reward Redemption
10x Reward Points on every Rs. 150 spent on your birthday.
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.
Rewards Rate
3 Reward Points on every offline spend of Rs. 150 & 6 Reward Points on every online spend of Rs. 150.
Travel
25% discount on movie tickets on the Paytm app, up to Rs. 100, once per month.
Online Shopping offers
6x Reward Points on every Rs. 150 you spend on online purchases.
Insurance Benefits
You get a personal accident cover worth Rs. 2 Lakhs and a lost card liability cover worth up to Rs. 25,000
Domestic Lounge Access
4 complimentary Railway lounge access every quarter.
International Lounge Access
NA
9.4Expert Score
  • 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
Best values score
9.4
9.4Expert Score
  • 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
Best values score
9.4

Specification: IDFC FIRST Classic Credit Card

Bank Name

IDFC FIRST BANK

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card

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