IDFC FIRST Bank Classic Rating & Reviews
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IDFC FIRST Bank Classic Credit Card Review
The IDFC FIRST Classic Credit Card is a budget-friendly option that offers benefits and rewards. While the rewards program is a key highlight of the card, enabling users to earn points on their transactions and save on interest charges through an interest-free period, it's important to note that the card also comes with some limitations. For instance, some users may find the rewards options to be limited or not as appealing as those offered by other credit cards. Nonetheless, the IDFC FIRST Classic Credit Card may be worth considering for those seeking a lifetime free credit card option.
Overview
Best Suited |
Rewards & Online Shopping. |
Rewards |
Up to 10X Rewards points that never expire. |
Welcome Bonus |
Cashback of 5% on the first EMI transaction plus a gift voucher worth ₹500. |
Annual/Joining Fee |
Free for lifetime. |
Who should get IDFC FIRST Bank Classic Credit Card?
This card is the perfect choice for individuals who value convenience, rewards, and a seamless shopping experience. Whether a customer is a foodie looking to indulge in delicious meals, a frequent traveler in need of fuel, or someone who enjoys the comfort of shopping for groceries, this card has got the customer covered. With its exclusive benefits, such as exciting reward points, exclusive discounts, and a hassle-free experience, the IDFC FIRST Classic Credit Card is the ideal choice for anyone who wants to make the most of their daily spending. So, if customers are looking for a credit card that offers a perfect combination of benefits and convenience, this card is the right choice for them!
Rewards Points
IDFC FIRST Classic Credit Card users can earn 10x reward points on all spends above ₹20,000. Unlimited reward points can be accumulated under the IDFC FIRST rewards program,
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For every ₹150 spent offline, users receive 3 reward points
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For each ₹150 spent online, users receive 6 reward points.
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For every ₹150 spent on purchases over ₹20,000, users receive 10 Reward Points.
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For every ₹150 spent on birthdays, users receive 10 Reward Points.
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The reward points accrued are never expiring, unlimited, and easy to redeem.
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Reward Points are not awarded for transactions like fuel purchases, EMI transactions, loan payments, and cash withdrawals.
Note- 1 Reward Point = ₹0.25
How to apply for IDFC FIRST Bank Classic Credit Card?
Users can apply for IDFC FIRST Classic Credit Card online and offline according to their comfort. If users want to apply offline, they can simply visit their nearest branch with all the required documents and fill in the physical application form for a card. However, if a user prefers online methods, he/she can apply for the IDFC FIRST Credit Card through the bank's official website. To do so, here are the steps to follow:
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Visit the website of IDFC FIRST Bank.
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Click on the option of “personal banking”.
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Choose the tab called “Cards”.
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Click on “credit cards”.
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Select the option of “apply” on the credit card page.
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Once done, enter primary details.
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A bank representative will get in touch regarding the next steps.
IDFC FIRST Bank Classic Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government approved address proof.
- Proof of Income: Latest one or two salary slips (not more than 3 months old), Latest Form 16, and the Last 3 months’ bank statement.