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
Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
Get 2 Reward Points on every Rs. 150 spent
Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
Zero Lost card liability
Up to 50 days of interest free period from the date of purchase
Enjoy Revolving Credit at nominal interest rate
Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
Avail facility of converting big spends into EMI after purchase
HDFC Bank MoneyBack Credit Card is enabled for contactless payments
Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal
Editor's Review
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
Pros
Zero liability on the lost card if reported immediately
With the EMV Chip technology presented in the card, stay protected against fraud
Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
The Reward points are only valid for 2 years
No complimentary Airport Lounge Access
High-interest rate of 3.49%
More comparisions with IDFC FIRST Classic Credit Card