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Home Loans, now at 6.90% p.a.
Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
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FIRST Classic
Like all things classic, this card is just as it should be – Super Rewarding! Get exceptional value with 10X reward points, great discounts, insurance cover, low interest rates & a really dependable card that’s free for life.
Reward Program
Your reward points, Yours to keep forever!
Easy to earn, Easy to redeem!
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10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
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6X & 3X Reward Points on online & in-store spends respectively on spends up to ₹20,000 per month
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Unlimited Reward points that never expire
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Use Reward points to instantly pay for online or in-store purchases
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No fees for redeeming Reward points
1X = 1 Reward point per ₹100 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
BENEFITS & PRIVILEGES
First-in-class features.
Designed to delight, year after year.
Joining benefits
Privileges
Convenience
The best things in life are free. Like Our Credit Cards.
FEES AND CHARGES
Low on charges,
high on benefits!
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No annual fee. Lifetime Free Credit Card
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Low Interest Rates (APR), from 0.75% to 3.0% per month (9% to 36% per annum)
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Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹ 250 per transaction)
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No over-limit fee
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No reward-redemption fee
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Late Payment Fee: 15% of total amount due
(subject to Min ₹100 and Max up to ₹1,000) -
Forex Markup at 3.5% for all international transactions
