IDFC First Classic Credit Card: Why Apply for IDFC Classic Credit Card?

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Why Choose IDFC Classic Credit Cards?

Now that you have decided to apply for credit card, what should be your next step? Well, you should select a credit card that has superb features. Primarily, you should look for a credit card that doesn’t have the requirement for compulsory renewals. Besides, you should be able to earn joining benefits and receive access to low-interest rates. As an added bonus, you should be able to receive rewards and discounts. A credit card that sums it all, along with other benefits as well, is the IDFC First Bank Classic Credit Card. Once you receive the card, it is free for a lifetime. Plus, a wide array of advantages accrue in the form of reward points, whenever you use this shopping credit card to make purchases across various brackets, like fashion, travel tickets, groceries, and so on.

IDFC First Classic Credit Card can also aid your financial well being as it has low interest rates and minimal associated charges. You should, however, keep in mind that this IDFC credit card is not available on the platform of Bajaj Markets, and you can apply for this card directly at IDFC Bank’s official web portal. Now that you have the gist, read on to know more about IDFC Classic Credit Card:

IDFC Classic Credit Card Benefits & Features

Source: https://www.idfcfirstbank.com/credit-card/classic

Low-interest rates: Did you know that IDFC First Classic Credit Card can provide you with among the lowest interest rates? Yes, the interest rate on this credit card starts from as low as 9% on an annual basis.
Interest-free cash withdrawal up to a specified period: Most of you would have faced the situation of requiring immediate cash. Now you can use IDFC First Bank Classic Credit Card to withdraw cash from ATM at any place. Remember, this cash withdrawal is interest-free for up to 48 days.
No need for periodic renewals: IDFC Classic Credit Card comes with the unique feature of being free for a lifetime. This means you can now say goodbye to the hassle of reapplying or getting the card reissued.
A wide slew of rewards: IDFC Classic Credit Card can provide you with various rewards such as joining rewards, fuel rewards, travel rewards, entertainment rewards, insurance rewards, and so on. Along with cashback offers you also receive permanent redeemable reward points.

Source: https://www.idfcfirstbank.com/credit-card/classic

Minimal fees and charges: If you are worried about the fees and charges associated with a credit card, then fret not, for we have you covered. IDFC First Classic Credit Card has minimal fees and charges. On the occasions where a charge or fee is levied, it is among the most reasonable, as per market standards.
Simple eligibility conditions: Yet another remarkable feature of IDFC First Classic Credit Card is that it comes with only basic eligibility conditions. Once you have the optimum credit score along with the requisite employment status, you can easily receive the card.
Minimal documentation: IDFC First Bank Classic Credit Card doesn’t require cumbersome documentation. Just submit the requisite documents to prove your identity, address and income, and choose to receive the card.

Source: https://www.idfcfirstbank.com/credit-card/classic

IDFC First Classic Credit Card Fees & Charges

Now that you know the features and benefits of IDFC First Bank Classic Credit Card, here’s a look at the various fees and charges:

Charges	Amount/Rate of the charge in%
Annual fee	None.
Joining fee	None.
Over limit fee/charge	None.
Processing fee for outstation cheques	None.
Request for charge slip	None.
Fee for card replacement	Rs. 100.
Fuel surcharge fee	1% of the fuel cost.
Forex markup fee for international transactions	3.5%
Finance charges	Between 0.75% and 2.99% on a monthly basis.
Cash advance fee for withdrawing cash	Rs. 250/ transaction.
Late payment charges/fee	15% of the total outstanding amount or dues. The minimum and maximum amount here should be Rs. 100 and Rs. 1,000 respectively.
Fees and charges for redeeming accrued rewards	None.

IDFC First Bank Classic Credit Card Rewards

There is a wide range of IDFC Classic Credit Card benefits as rewards. Here’s a look:

Type of reward	Features of the reward
Reward when you join the list of select cardholders or Joining Reward	You are provided gift vouchers of up to Rs. 500 for making purchases worth at least Rs. 15,000. Remember, once the card has been issued, you can avail of this benefit within three months. You receive a cashback of up to 5% on your first EMI transaction. To avail of this benefit, you have to make such a transaction within three months of the card being issued. Also, the maximum amount of your cashback is not capped.
Reward points	Now that you have started shopping on your IDFC Classic Credit Card, you can receive reward points. Remember, a single reward point is of 25 Paisa monetary value. A key feature of this reward point system is that they don’t expire. To put it simply, you can choose to redeem the reward points, whenever you want to. Here’s a look at the IDFC Classic Credit Card benefits as reward points: 10X reward points when you make purchases on your birthday. 10X reward points when you spend more than Rs. 20,000. 6X reward points for online shopping. 3X reward points for point of sales shopping, at recognised merchants and vendors.
Rewards on making entertainment purchases	The IDFC Classic Credit Card benefits on entertainment can accrue to you in the form of a 25% discount on purchasing movie tickets. Remember, the tickets should be up to Rs. 100 and you can receive this benefit only once each month.
Travel rewards	IDFC First Classic Credit Card can provide you with four complimentary visits to select railway lounges across the country. Remember, in each quarter of the financial year, you get four complimentary visits.
Fuel rewards	IDFC First Bank Classic Credit Card provides a 1% waiver on fuel surcharges.
Insurance rewards	IDFC Classic Credit Card will provide for a liability cover of Rs. 25,000, in the case of a lost credit card. IDFC Classic Credit Card provides personal road accident insurance of up to Rs. 2 Lakhs.
Miscellaneous rewards	Free-of-cost roadside assistance covering costs up to Rs. 1,399.

IDFC Classic Credit Card Eligibility Criteria

IDFC First Bank Classic Credit Card stipulates basic eligibility criteria along with a basic documentation process. Here’s a tabular presentation:

Eligibility conditions	Details
Minimum age requirement	You must be above the age of 18 years.
Nationality	You must be a citizen of India.
Employment	Both salaried and self-employed individuals can apply for this card and get access to IDFC Classic Credit Card benefits.
Credit Score	Having an optimum credit score will increase the chances of your credit card application being approved.

Once you know the eligibility conditions, let’s have a look at the basic documents that you need to submit or upload for receiving IDFC First Classic Credit Card.

Type of proof	List of accepted documents
Address proof	Aadhar Card. Passport. Voter ID. Ration Card. Driving License.
Income proof	Bank statements. Salary slips. Income Tax Returns (ITRs). Form 16.
Identity proof	Aadhar Card. Driving License. Voter ID.
Other mandatory documents	PAN Card.

How to Apply for IDFC First Bank Classic Credit Card

You can apply for IDFC First Classic Credit Card directly at the official portal of the bank. You have to fill in the requisite details and complete the documentation process to apply for this card. Once your application is approved, you will shortly receive the credit card.

You must also keep in mind that you cannot apply for IDFC First Classic Credit Card on Bajaj Markets. For more details, visit the link https://www.idfcfirstbank.com/credit-card

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The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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How to contact IDFC First Classic Credit Card customer care?

For any information, queries or complaints regarding your IDFC Classic Credit Card, you can make a phone call on the IDFC Credit Card toll-free number: 1800-500-1111.

What is the IDFC Classic Credit Card limit?

The credit card limit can vary for customers as per their eligibility conditions, income etc. Once your card is approved and dispatched, you will receive an email specifying your credit card limit. In case of any questions regarding your credit card limit, you can contact customer care at 1800-500-1111.

What is the IDFC First Bank Classic Card eligibility?

You have to meet eligibility conditions such as being a citizen of India, being at least 18-years-old and having a good credit score. Alongside, you have to be either a self-employed or salaried individual with a minimum net monthly income.