The IDFC FIRST Classic Credit Card

Features & Benefits of IDFC FIRST Classic Credit Card

IDFC FIRST Classic  Credit Card offers the following features and benefits:

⭐ Features & Benefits

💳 Reward Points

• 10X Points: On spends above ₹20,000 per month and on your birthday.

• 3X Points: On online and offline spends up to ₹20,000 per month.

• 1X Point: On utility and insurance payments, UPI spends below ₹2,000.

• Unlimited & Never Expiring: Reward points do not expire as long as the card remains active.

• Redemption Fee: ₹99 + GST per redemption.

🎁 Joining Benefits

• Welcome Voucher: ₹500 upon spending ₹5,000 within the first 30 days.

• EMI Cashback: 5% cashback (up to ₹1,000) on the first EMI transaction within 30 days.

🎬 Entertainment & Travel Perks

• Movie Discounts: 25% off (up to ₹100) on movie tickets via Paytm, once per month.

• Railway Lounge Access: 4 complimentary visits per quarter.

• Roadside Assistance: Complimentary service worth ₹1,399 per year.

• Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.

• Dining & Wellness Discounts: Up to 20% off at over 1,500 restaurants and up to 15% off at 3,000+ health and wellness outlets.

🛡️ Insurance Coverage

• Personal Accident Cover: ₹2,00,000.

• Lost Card Liability: ₹25,000.

Credit Card Balance Transfer

• Transfer balances from your other bank credit cards conveniently with IDFC’s balance transfer privilege.
• Convert your outstanding balance into easy EMIs with flexible tenure of 3 to 18 months.

IDFC FIRST Classic Credit Card Fee & Charges

IDFC FIRST Classic Credit Card Eligibility

✅ Eligibility Criteria

• Age: 21 to 65 years.

• Annual Income: ₹3 lakh or more.

• Employment: Salaried or self-employed individuals.

• Credit Score: A good credit score (750 or above) enhances approval chances.

• Citizenship: Applicant must be an Indian resident having a current and permanent residential address within India.
• Location: IDFC FIRST Bank maintains a set of cities which are allowed for sourcing cards.
• Credit bureau history: Applicant should have a good credit score and no evidence or history of defaulting on loans/ missing payments on loans or credit cards.
• Internal policy criteria: IDFC FIRST Bank runs certain internal policy criteria to choose a customer for issuing credit cards. Internal policy criteria are usually based on the applicant’s bureau history, any existing relationship with the bank, customer demographics, and credit exposure. The final decision to issue a credit card to the applicant is at the bank’s sole discretion, according to the mentioned internal policies.

IDFC First Classic Credit Card Document Required

If you want First Classic IDFC Credit Card apply online with the following documents:

📝 Documents Required

• • Identity Proof: Aadhaar Card, Passport, Voter ID, or Driver’s License.

  • Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Property Registration Document.

  • Income Proof: Latest salary slips (not older than 3 months), Form 16, or last 3 months’ bank statements.

How to Apply for IDFC FIRST Classic Credit Card?

• Click on the Apply Now button.
• Enter your name as per your Aadhaar Card.
• Enter your date of birth.
• Mention your mobile number.
• Click on the Get OTP button.
• Enter the OTP received on your mobile phone.
• You will soon receive a call from the bank’s representative regarding taking the application process ahead.
• Alternatively, you can also apply for an IDFC FIRST Millennia credit card through our website or by visiting the nearby IDFC FIRST Bank branch.