By Bharti Bisht
Updated On September 23, 2021

The IDFC FIRST Classic Credit Card is a card issued by the IDFC FIRST Bank to provide its customers with the best rewarding experience. The card comes without a joining fee but keeps all the requirements of its customers in mind. It welcomes you with a gift voucher worth Rs. 500 and a 5% cashback on your first EMI transaction. With this card, you get 3 Reward Points on every Rs. 100 spent on offline purchases and 6 for every Rs. 100 spent on online purchases. You can even earn up to 10 Reward Points on incremental spends. Other than that, you get extra reward points for big purchases and for all the transactions made on your birthday.

Not only Reward Points, but the card also provides you with great travel, movie & dining benefits as you get 4 complimentary Railway lounge access every quarter, up to 20% discount on dining, and a discount of 25% on movies. Moreover, there are many more benefits you get with the IDFC FIRST Classic Credit Card, such as complimentary Road Side Assistance, Insurance benefits, etc. To know all about the benefits of the card in detail, refer to the information given below:

Best Suited For

Travel |

Joining Fee

Nil

Reward Type

Reward Points |

Product Details

  • 3 Reward Points on every Rs. 100 you spend on offline purchases.
  • 6 Reward Points on every Rs. 100 you spend on online purchases.
  • 10 Reward Points on every Rs. 100 you spend on purchases above Rs. 20,000.
  • 10 Reward Points on every Rs. 100 spent on your birthday.
  • The card comes with no joining/renewal fee.
  • Welcome benefit of a gift voucher worth Rs. 500.
  • 25% discount on movie tickets.
  • 4 complimentary Railway lounge access every quarter.
  • More than 50 In-app discount offers.
  • Get free Road Side Assistance.

Rewards and Benefits

Welcome Benefits

Get a welcome gift voucher worth Rs. 500 on spending Rs. 15,000 or more within the first 90 days.

Movie & Dining

Get a 25% discount on movies (up to Rs. 100) and up to a 20% discount on dining through your IDFC FIRST Classic Credit Card.

Rewards Rate

3 Reward Points on every offline spend of Rs. 100 & 6 Reward Points on every online spend of Rs. 100.

Reward Redemption

The Reward Points can be redeemed instantly for online transactions & partner stores. Here, 1 Reward Point = Rs. 0.25.

Travel

Get complimentary Railway lounge access

Golf

NA

Domestic Lounge Access

4 complimentary Railway lounge access every quarter.

International Lounge Access

NA

Insurance Benefits

Accidental death cover worth Rs. 2 lakhs and a cover for a lost card is provided.

Zero Liability Protection

You will not be liable for any fraudulent transactions made on your card if the loss is reported to the bank in a timely manner.

Fees & Charges

Joining Fee

Nil

Renewal Fee

Nil

Spend based Waiver

NA

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% on all foreign currency spends.

Interest Rates

0.75% to 2.99% per month

Fuel Surcharge

1% fuel surcharge waiver (up to Rs. 200 per statement cycle)

Cash Advance Charge

Rs. 250

Add-on Card Fee

Nil

Welcome Benefits

  • You get a welcome gift voucher worth Rs. 500 on spending over Rs. 15,000 within the first 90 days after receiving your IDFC FIRST Classic Credit Card.
  • Get a 5% cashback on your first EMI transaction (if done within 90 days after the card set-up date).

IDFC FIRST Classic Credit Card Rewards:

  • You get 3 Reward Points for every offline spend of Rs. 100.
  • You get 6 Reward Points for every online spend of Rs. 100.
  • You get 10 Reward Points for every Rs. 100 spent on purchases above Rs. 20,000.
  • You get 10 Reward Points for every Rs. 100 spent on your birthday.
  • Transactions like fuel purchases, EMI transactions, Loan payments, and Cash withdrawals are not eligible for Reward Points.
  • The Reward Points you earn through your IDFC FIRST Classic Credit Card do not expire ever.

Rewards Redemption

  • The Reward Points you earn can be redeemed easily & instantly on online transactions or at partner stores.
  • 1 Reward Point = Rs. 0.25.
  • The IDFC FIRST Classic Credit Card doesn’t charge any reward redemption fee, i.e., you can redeem your rewards for free.

Travel Benefits

You get 16 complimentary Railway Lounge access every year (4 per quarter).

Movie & Dining Benefits

  • You get a 25% discount on movies (up to Rs. 100) once every month.
  • Get a discount of up to 20% on dining across over 1,500 restaurants.

Insurance Benefits

  • An insurance cover worth Rs. 2 lakhs in case of accidental death of the cardholder.
  • Coverage of Rs. 25,000 is provided in case of a lost card.

Other Benefits

  • You get complimentary Road Side Assistance worth Rs. 1,399 up to four times a year.
  • Get a discount of up to 15% at more than 3000 Health & Wellness outlets.
  • Get over 50 discount offers In-app online spends.

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver across all fuel stations in India. The maximum surcharge waiver is capped at Rs. 200 per month.

Conclusion

The IDFC FIRST Classic Credit Card provides all the exclusive benefits and reward offers to its customers that one expects to get from a credit card. But, the great thing here is: you get all these benefits with a card that is absolutely free to have, i.e., you don’t need to pay any joining/renewal fee ever. Moreover, its low-interest charges also give you a strong reason to choose this card. Talking about its benefits, it provides you with exciting benefits across several categories, including travel, dining, movies, insurance, fuel surcharge waiver, complimentary Road Side assistance, and many more. Therefore, if you are looking for a credit card with no joining/renewal fee and exclusive Reward offers & benefits, the IDFC FIRST Classic Credit Card would be a great choice for you.

FAQs:

No, the IDFC FIRST Classic Credit Card doesn’t provide any complimentary airport lounge access, but you get 4 complimentary Railway lounge access every quarter.

The Reward Points you earn using your IDFC FIRST Classic Credit Card do not expire ever.

You can get a maximum fuel surcharge waiver of Rs. 200 in a month through the IDFC FIRST Classic credit card.

The IDFC FIRST bank doesn’t charge any reward redemption fee. Therefore, it is zero.

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