IDFC FIRST Classic Credit Card - IDFC First Bank Cards
Category
travel,fuel,rewards,cashback
Fintra's Rating
3.3/5
IDFC FIRST Classic Credit Card Key Features
| Joining Fees | ₹0 |
| Renewal Fees | ₹0 |
| Free Lounge Access | No |
| Fuel Surcharge Waiver | Yes |
| Bank | IDFC First Bank |
| Network | Visa |
- Interest Charges: From 0.75% to 3.65% per month (9% to 43.8% per annum)
- Nil joining fees lifetime
- Nil renewal fees lifetime
Welcome Benefits of FIRST Classic Credit Card includes availing Gift Vouchers worth Rs. 500 on spending Rs. 5000 or more within 30 days of card generation. You'll also get 5% cashback (up to Rs. 1000) on transaction value of the first EMI performed within 30 days of card set-up
IDFC FIRST Classic Credit Card Welcome Offers- The FIRST Classic Credit Card is now powered for UPI
- Limited Period Offer: 100% cashback up to Rs. 200, i.e. Rs. 50 each on first 4 UPI transactions
- Up to 3X reward points on all UPI spends
- 10X Reward Points on incremental spends above Rs. 20,000 per month and spends done on birthdays
- 3X Reward Points on online and offline purchases for spends up to Rs. 20,000 per month
- Unlimited Reward points that don’t expire
- Use the Reward points to instantly pay for online or in-store purchases
- 1X Reward Points on Insurance premium payments and Utility bill payments
- 1X = 1 Reward point per Rs. 150 spent
- Get 25% discount on movie tickets up to Rs. 100 on Paytm mobile app. This is valid once per month
- 4 complimentary Railway lounge visits per quarter
- Complimentary Roadside Assistance worth Rs. 1,399
- Fuel surcharge waiver of 1% at fuel stations in India, up to Rs. 200/month. This is applicable only on transactions done between Rs. 200 & Rs. 5000
- Enjoy 300+ Merchant offers all year long
- Get up to 20% discount at 1500+ restaurants
- Up to 15% discount at 3000+ Health & Wellness outlets
- Avail Personal Accident Cover of Rs. 2,00,000 and Lost Card Liability Cover of Rs. 25,000
- Convert all transactions above Rs. 2,500 into easy & convenient EMIs from the mobile app
- Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
- Enjoy convenient transfer of balances from the other bank credit cards with IDFC Bank's balance transfer privilege
Pros
- 10X Rewards on all spends done on your Birthday
- Reward points will never expire
- Free Road Side Assistance(RSA) worth Rs. 1,399
Cons
- No milestone benefits
- Airport Lounge access limited, depends on the bank’s current offers
- Lifestyle benefits including Complimentary round of Golf is limited, depends on the bank’s current offers
