IDFC FIRST Bank Classic Credit Card Apply – Review Details: What is IDFC First Bank Classic Credit Card, who can take this credit card, apart from this, documents required to take IDFC First Bank Credit Card, eligibility criteria, fees and charges, advantages and disadvantages, IDFC credit card details information will be available For this you have to read this article till the end.
IDFC First Bank has launched several of its credit cards which come with different benefits, features, cashback offers. One of them is IDFC FIRST Bank Classic Credit Card. In this article, I will provide you information about IDFC FIRST Bank Classic Credit Card like how to apply for Classic Credit Card.
IDFC FIRST Bank Classic Credit Card Overview
First let’s know a little about this credit card, the Classic Credit Card offered by IDFC First Bank can be used for life time without any joining fee, without any annual fee, this is the most important thing. With the help of this credit card, most of the customers can save up to ₹ 10400 in a year.
Read Also : Axis Bank Neo Credit Card
IDFC First Bank Classic Credit Card Review
IDFC First Bank Classic Credit Card is a Lifetime Credit Card launched by IDFC First Bank. This is a super reward credit card, this credit card specially used offers a variety of benefits under the reward points category apart from other categories like entertainment, travel etc.
IDFC First Classic Credit Card does not require any joining fee or annual fee and comes with an interest rate between 0.75% – 2.99% per month.
Read Also: IDFC FIRST Select Credit Card Review
IDFC FIRST Bank Classic Credit Card Details
Some important information about IDFC First Bank Classic Credit Card is mentioned in the table below.
| Card Name | IDFC FIRST Bank Classic Credit Card |
| Card Type | Super Rewarding Card |
| Best Suited For | Rewards and Online Shopping |
| Welcome Benefits | Gift vouchers worth Rs. 500 and 5% cashback on first EMI transaction |
| Key Feature | : Up to 10X Reward Points that never expire |
| Joining Fee | Nil (Lifetime Free Credit Card) |
| Card Ratings | 3/5 |
| Reward Rate | Offline Purchases: 3% | Online Purchase: 6% |
| See the Product Details | Click Here |
Documents Required for IDFC First Bank Classic Credit Card
The following documents are required to avail the IDFC First Bank Classic Credit Card, as shown in the table below.
| Proof of Address | Income Proof | Identity Proof |
|---|---|---|
| Voter ID | Salary Slip | Aadhaar Card |
| Ration Card | Form 16 | Driving License |
| Passport | Salary Slip | Voter ID |
| Aadhaar Card | IT Returns |
Eligibility to get IDFC First Bank Classic Credit Card
Following are the terms and conditions eligibility for availing IDFC First Bank Classic Credit Card, if you follow these terms and conditions then you can get this credit card.
IDFC First Credit Cards are currently offered only to existing customers of the bank, hence the eligibility criteria are not quite clear.
- To take this card, the applicant should be above 18 years of age and should have an active income source.
- For this credit card, the applicant should have address proof, identity proof, KYC documents approved by the Government of India.
- The credit score of the applicant should be good.
- To apply for a credit card, the applicant’s monthly minimum salary should be more than ₹25000.
- Applicant should also be a salaried or self-employed.
Note : IDFC First Bank offers this credit card in select cities of India. If you live in a rural area, you may not get this credit card. Approval gets done quickly in metro city.
Read Also :How to apply Axis Bank Credit Card
IDFC First Bank Classic Credit Card Limit
The credit limit for IDFC First Credit Card is set by the bank. IDFC First Bank takes into account a number of factors such as the credit score of the applicant, credit ratio of the applicant along with previous loan repayment, before setting the limit.
IDFC FIRST Bank Classic Credit Card of Fees and Charges
For IDFC First Bank Classic Credit Card, you have to pay certain fees and charges which are shown in the table below.
| Type of Charge | Amount |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Finance charges | 0.75% – 2.99% per month |
| Rewards redemption fee | Nil |
| Cash advance fee | Rs.250 |
| Late payment fee | 15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000) |
| Over-limit charges | Nil |
| Outstation check processing fee | Nil |
| Card replacement fee | Rs.100 |
| Charge slip request | Nil |
| foreign currency markup | 3.5% |
| fuel surcharge | 1% of the transaction value |
IDFC FIRST Bank Classic Credit Card Benefits
Various types of cashback offers are offered on IDFC First Bank Classic Credit Card, here we have told about the benefits, which you can read about below.
Joining Benefits: A gift voucher of Rs 500 is given for spending Rs 15,000 within the first 3 months of IDFC First Classic Credit Card issuance.
This card offers 5% cashback on the first EMI transaction done within the first 90 days of card issuance.
Read Also :Tata QiK EMI Credit Card
Reward Point Benefits:
- Get 10X Reward Points on all expenses above Rs.20,000.
- You can get 10X Reward Points on all the spends made on your birthday.
- Get 6X Reward Points for all online spends.
- One can get 3X reward points for all offline spends.
Entertainment Benefits : IDFC First Classic Credit Card For entertainment, you get 25% off on movie tickets up to Rs.100. This offer will be valid only once in a month.
Travel Benefits : IDFC First Classic Credit Card offers 4 complimentary visits to railway lounges in 1 year for travel purposes.
Insurance Benefits: In IDFC First Classic credit card, personal accident cover is given up to a maximum of ₹ 200000. And there is also a complimentary lost card liability cover of Rs 25,000.
Fuel Benefits : 1% fuel surcharge waiver is provided on IDFC First Classic Credit Card if you use Rs.200 at a petrol pump.
Additional Benefits: Some other benefits are also given in IDFC First Bank Classic Card which are as follows. Here you are provided with Free Road Side Assistance of Rs 1,399.
Also the low interest rate starts from 9% p.a. With this credit card you can withdraw money from ATM without internet for 48 days
IDFC FIRST Bank Classic Credit Card Apply Online
To apply for IDFC First Bank Classic Credit Card, you can follow the steps mentioned below.
Step 1. Viisit this open the official website.
Step 2. Now click on Apply Now.
Step 3. After this submit the Aadhar Card, PAN Card, Date of Birth.
Step 4. After this, verify the OTP with your mobile number.
Step 5. Now submit your PAN card, pin code, address.
Step 6. Now you have to click on Proceed.
Step 7. After this select occupation, net income, credit card.
Step 8. After this submit the application form, now you get the credit limit, then you can activate this card through the application and use it.
Note : If you use the credit card properly, then it can prove to be effective for you, otherwise it does not delay in turning your happiness into sorrow. Therefore, use the card wisely, if it is not needed then do not take a credit card.
IDFC FIRST Bank Classic Credit Card Customer Care No
If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of IDFC First Bank, apart from this you can also get the solution through live chat on the official website.
- IDFC FIRST Bank customer toll-free: 18605001111.
- Rural Banking: 1800 419 8332
- Loans: 1860 500 9900
- Credit Card: 1860 500 1111
My Last Word on IDFC FIRST Bank Classic Credit Card
If I tell about my personal experience, the Classic Credit Card offered by IDFC First Bank can be used for life time without any joining fee, without any annual fee.
The most important thing about this credit card is that with the help of this card, most of the customers can save up to ₹ 10400 in a year. Which is much higher than other credit cards. This credit card can be used to avail cashback offers.
In this article I have told what is IDFC FIRST Bank Classic Credit Card, how can apply, fees and charges of this credit card, benefits, some important questions related to credit card have been provided.
FAQ’s on IDFC FIRST Classic Credit Card
Q1.Is there any joining/annual fee on IDFC First Bank Classic Credit Card?
Ans. No joining/membership/annual charges are applicable on any IDFC First Bank Credit Card. This credit card is free for life time, there is no hidden charging.
Q2. Will the reward points on IDFC First Bank Classic Credit Card expire after a certain time?
Ans. No, the reward points earned on IDFC First Classic Credit Card never expire, apart from this, the rewards you will get on this credit card can be used here without any reward-redemption fee.
Q3. How can I generate my Credit Card PIN?
Ans To generate the PIN of IDFC First Classic Credit Card, you can either log in to your net banking account or your mobile banking account. If not, you can call the customer care of the bank to generate or change your PIN.
Q4, What is the value of 1 Reward Point for IDFC First Bank Credit Card?
Ans. The amount of each reward point for this credit card is Rs.0.25 or 25 paise.
Q5. What is the interest rate charged on IDFC First Bank Credit Card?
Ans. IDFC First Bank Credit Card has one of the lowest interest rates in the country, so it will not put a burden on your pocket if you cannot pay your entire monthly dues in one go.
IDFC First Bank offers low interest rates ranging from 9% to 36% p.a. Generally, other credit cards charge interest rates as high as 42% per annum. The interest rate here is between 0.75% and 2.99% per month.
Q6. Can I use my credit card to withdraw money from ATM?
Ans. Yes you can, here you really get a lot of benefit where you can take 48 days without interest to withdraw money from all ATMs. Apart from this, with this credit card, you can withdraw money in India or even when you are abroad.
Q7. Can a student take this credit card?
Ans. No, a student cannot apply for a credit card, as this credit card is given to people above the age of 18 years, and it is mandatory to have an income source.
Q8. In how many days is the IDFC First Bank Classic Credit Card Welcome Kit delivered at home?
Ans. IDFC First Bank Credit Card Welcome Kit is delivered at home via post in 15 to 20 days. You can activate it through IDFC First Bank Mobile App.
Disclaimer : Apply for credit card according to you, we have nothing to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, month- year, do not share personal information with anyone.