First Classic Credit Card is a financial product offered by IDFC First Bank in India. It is designed for users who desire a basic yet convenient and secure mode of payment. The card provides various benefits such as discounts, cashback, and purchase reward points. It also offers a range of features, such as free supplementary cards, zero lost card liability, and easy EMI options.
Aspects that make spending using this card lit as the sun!
Free 16 Railway lounge visits annually (4 per quarter).
10x reward points on all spending above ₹20,000.
6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month.
Note: Reward Points are not awarded for transactions like fuel purchases, EMI transactions, loan payments, and cash withdrawals.
1% fuel surcharge waiver at all fuel stations across India up to ₹200/month.
Note: Applicable only on transaction values between ₹200 & ₹5000.
Get up to 20% off on meals at one of more than 1,500 restaurants.
Think of these as small investments to keep your credit card running smoothly.
Annual Percentage Rate42%
Add-on Card FeeFree
Minimum Repayment Amount5%
Cash Withdrawal Fee₹ 199
Cash Advance LimitNA
Card Replacement Fee₹ 100
Foreign Transaction Fee3.50%
Over Limit Penalty2.50%
Fuel Transaction Surcharge1%
Reward Point Value₹ 0.25
Any Amount Due15 % of Total Amount Due subject to a minimum of ₹ 100 and a maximum of ₹ 1250.
Aspects that make this credit card amazing.
Aspects this credit card lacks.
Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!
Bank name:IDFC FIRST Bank
IDFC FIRST Bank Credit Card Customer Care Number:1860 500 9900
IDFC FIRST Bank Card Offers:View Offers
A convenience fee of Rs. 99 plus any applicable taxes must be paid in order to use your reward points.
The reward points accumulated on the IDFC FIRST Bank Credit Card have no expiration date. Reward points for cardholders never expire.
The reward points are instantly redeemable for purchases made online and at partner stores. Here, 1 reward point is equal to Rs. 0.25.
With their IDFC FIRST Classic Credit Card, cardholders in India can visit a participating lounge four times for free in a calendar quarter.