The only FASTag with triple benefits
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.
Unlimited Reward points that never expire
Use Reward points to instantly pay for online or in-store purchases
1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25
Reward program not applicable on Fuel, Insurance, EMI transactions & Cash withdrawals
Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points
Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
5% cashback (up to ₹1000) on the transaction value of first EMI done within 90 days of card generation
25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)
4 complimentary Railway lounge visits per quarter
Complimentary Roadside Assistance worth ₹1,399
Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month
300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
Up to 15% discount at 3000+ Health & Wellness outlets
Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000
*valid on doing atleast one transaction on FIRST Classic Credit Card in last 30 days
Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app
Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
No annual fee. Lifetime Free Credit Card
Low Interest Rates (APR), from 0.75% to 3.5% per month (9% to 42% per annum)
Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹250 per transaction)
OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500
Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
Forex Markup at 3.5% for all international transactions
· Applicant must be aged 21 yrs. or above in order to apply for an IDFC FIRST Bank Credit Card
Indian Resident & Sourcing Locations:
· Applicant must qualify as an Indian resident and have a current and permanent residential address within India
· IDFC FIRST Banks maintains a set of cities which are allowed for sourcing
Credit Bureau History
· Applicant is expected to have a good credit bureau score and no evidence / history of defaulting on loans or missing payments on loans or credit cards
· Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time
· As applicable for different card variants offered by IDFC FIRST Bank
· Minimum Net Monthly Income = ₹25,000 (subject to change)
Internal Policy Criteria
· Bank runs certain internal policy criteria to select a customer for issuing credit cards
· Internal Policy criteria are based on bureau history, any existing Bank relationship, customer demographics, and credit exposure
· The Bank reserves the right to issue a Credit Card to the applicant basis an assessment of his / her credentials. The final decision is at the Bank’s sole discretion, in line with the mentioned internal policies, and notwithstanding the applicant meeting above criteria
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the IDFC FIRST Bank Credit Cards. Your card is free for life.
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.
There is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. Your reward points are evergreen.
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of only ₹250 is applicable per transaction, irrespective of where you are or the amount you withdraw.
Mobile Banking App
For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.