If you're seeking a credit card that offers premium rewards without any lifetime fees, then the IDFC FIRST Classic Credit Card is an excellent option to consider! This card provides a 10x reward points bonus on your birthday, 6X & 3X Reward Points on online & offline purchases, discounts on movie tickets, free access to railway lounges, free roadside assistance, insurance coverage, and much more. Keep reading to learn more about its benefits.
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.
Reward Rate: 0.5% to 1.6%
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!
IDFC First Bank, LIC Cards, and Mastercard have announced their joint venture to launch an exclusive co-branded credit card to cater to the dynamic financial needs of the country. In a joint statement released on Thursday, the credit card comes in two variants - LIC Classic and LIC Select. The credit cards offer policyholders across the country an opportunity to save reward points on every LIC insurance premium payment.
Apart from the reward points, the credit card also comes with a host of other benefits, including up to Rs 50,000 cover for lost card liability and personal accident insurance cover of up to Rs 5 lakh. The additional benefits will be extended to LIC policyholders who opt for this credit card, along with co-brand benefits. This initiative is expected to benefit more than 27 crore policyholders across India.
Targeting the lifestyle needs of its consumers, as well as improving their savings on mobility and utility spends, IDFC FIRST Bank has partnered with HPCL to launch two co-branded cards. The two new cards are being named FIRST Power and FIRST Power+. Bankers can apply for the FIRST Power and FIRST Power+ cards through the bank’s website, its app for select bank branches, and select HPCL pumps and stations.
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.