If you are looking for a credit card that is very beneficial and offers a great range of features, then you are in the right place. The IDFC First Classic Credit Card is a very beneficial credit card that offers a great range of features. All credit cards offered by IDFC First Bank are lifetime free so this credit card is also lifetime free or you can say comes with zero joining fees and zero annual fees. To know more about the First Classic Credit Card, Read Below.
About IDFC First Classic Credit Card
The IDFC First Classic Credit Card offers many great benefits and features. Some of them include- 10X reward points, Joining benefits, discounts on movie tickets, Fuel surcharge waivers, Railway lounge access, Accident cover, and more. The First Classic Credit Card is a very lucrative credit card that comes with great value features. This credit card is lifetime free which means you don’t have to pay any joining or annual fees. This lifetime free credit card comes with a lot more benefits.
Features and Benefits of IDFC First Classic Credit Card
Joining Benefits:
The First Classic Credit Card comes with 2 great joining benefits.
1. Welcome Voucher:
Get a ₹500 worth of Welcome Voucher if you spend ₹15,000 or more within the first 90 days of card setup.
2. Cashback on EMI:
Enjoy a 5% cash back on the first EMI Transaction done with your First Classic Credit Card within the first 90 days of card setup.
Railway Lounge Access:
Enjoy 4 Complimentary Railway Lounge access every calendar quarter.
Fuel Surcharge Waiver:
Get a 1% of Fuel Surcharge Waiver at each and every fuel station/petrol pump in India (You can avail of the offer for the max amount of ₹200 per month).
Merchant Offers:
Enjoy offers at more than 300 partner merchants.
Discounts at Restaurants:
Enjoy up to 20% discount at more than 1500 restaurants.
Discounts at Health and Wellness Outlets:
Enjoy up to 15% discount at more than 300 health and wellness outlets.
Personal Accident Cover:
Get ₹2 lakh worth of Personal Accident Cover.
Lost Card liability cover:
Get ₹25,000 worth of lost card liability cover.
Discounts on Movie Tickets:
Enjoy a 25% discount on Movie Tickets bought through the Paytm Mobile App (You can avail of the offer for the max amount of ₹100 once per month).
Convert Purchases to EMI:
By using the First Classic Credit Card you can convert all of your purchases or transactions that are more than ₹2500 to EMIs.
Reward Points:
- Enjoy 10X Reward Points on all purchases/transactions done on your birthday.
- Enjoy 10X Reward Points on all spending more than ₹20,000 each month.
- Enjoy 6X Reward Points on all online transactions for a maximum amount of ₹25,000.
- Enjoy 3X Reward Points on all offline transactions for a maximum amount of ₹25,000.
*Get 1 Reward Point per ₹150 spent – 1RP (Reward Point) = ₹0.25
*The Reward Points will never expire.
Fees and Charges of IDFC First Classic Credit Card
| Fee | Amount |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Late payment Fee | 15% of the amount |
| Forex Markup Fee | 3.5% of the amount |
Eligibility and Documentation for First Classic Credit Card
Eligibility Criteria-
If you wish to apply for First Select Credit Card then you must be 21 years old or older 21.
Applicant must be an Indian Resident and must have a certificate of Indian residency.
Documentation Required-
- Address Proof(Any One)
- Aadhaar Card
- Passport
- Electricity Bill
- Voter’s ID
- Driving license
- Rental Agreement
- Identity Proof(Any One)
- Aadhaar Card
- Passport
- Voter’s ID
- Driving License
- PAN Card
Should you apply for First Classic Credit Card?
The First Classic Credit Card is a great choice for those people who are looking for a credit card for daily use. This credit card offers a wide range of features and benefits. The features of the First Classic Credit Card include 10X reward points, by using this feature you can get 10X reward points on your birthday and on other spends that are more than ₹20,000, Get 6X reward points on all online transactions done with your first classic credit card for a maximum amount of ₹20,000, Get 3X reward points on all offline transaction done with your credit card for a maximum amount of ₹20,000. Enjoy 25% discounts on movie tickets, get personal accident cover, and get lost card liability cover.
Some more benefits of the First Classic Credit Card include a 15% discount at health and wellness outlets, a 20% discount at restaurants, and offers on partner merchants. One of the best benefits of this credit card is that this credit card is lifetime free, which means you don’t need to pay any joining fees or any annual fees. This credit card comes with low charges for example- the late payment fee of this credit card is 15% of the due amount, and a forex markup fee is 3.5% of the transaction amount. If you are 21 years or older, you have Indian nationality, and have identity & address proof then you are eligible to apply for First Classic Credit Card. If you wish to apply for the First Classic Credit Card you can Click Here.
Frequently Asked Questions
The Forex Markup fee of the First Cassic Credit Card is 3.5% of the transaction amount.
There are no joining fees or annual fees for First Classic Credit Card. The First Classic Credit Card is lifetime free.
You can make a call at 1860 500 1111 to contact IDFC First credit card department.
If you want to apply for the First Classic Credit Card you can click here or you can visit IDFC Bank’s website.
You must be at least 21 years, to apply for First Classic Credit Card.