• Joining fee: Nil.
• Annual fee: Nil.
• Suitable for: Rewards and savings.
• Savings: Most customers save Rs. 7,600 annually by using this card.
• Welcome voucher worth Rs. 500 on spending equal to or above Rs. 15,000 within 90 days of card issuance.
• EMI conversion facility: Available on transactions above Rs. 2,500. 
• Interest Rates (APR): 0.75% to 3.5% per month (9% to 42% per annum).
• Interest-free cash withdrawals: Applicable on domestic and international ATMs for up to 48 days. 
• Reward points: Earn unlimited reward points that never expire. 
• Age: 21 to 65 years.
• Minimum Net Monthly Income: Rs. 25,000.
• Merchant offers: 300+ Merchant offers available all year long.

Joining Benefits

• Welcome voucher valued at Rs. 500 on spending Rs. 15,000 or more within 90 days of card generation.
• 5% cashback (maximum Rs. 1,000) on the transaction value of first EMI done within 90 days of the card issuance.

Reward Points 

• 10X reward points on incremental spends of above Rs. 20,000 per month as well as spends done on your birthday.
• 6X and 3X reward points on online and offline purchases respectively, for spending up to Rs. 20,000 per month.
• Earn unlimited reward points that will never expire.
• You can use accumulated reward points instantly to pay for online or in-store purchases.
• 1X = 1 Reward point per Rs. 150 spent 
• 1 Reward point = ?0.25

Railway Lounge Visits

• 4 complimentary railway lounge visits each quarter.

Insurance

• Complimentary Roadside Assistance valued at Rs. 1,399
• Personal Accident Cover worth Rs. 2,00,000.
• Lost Card Liability Cover worth Rs. 25,000. 
• Offer valid on doing at least one transaction with FIRST Classic Credit Card within the last 30 days.

Discounts

• 25% discount (maximum Rs. 100) on movie ticket booking on Paytm mobile app (offer valid once per month).
• Up to 20% discount at 1,500+ restaurants. 
• Up to 15% discount at 3,000+ Health & Wellness outlets.

Purchases to EMI Conversion

• Convert all your purchases of above Rs. 2,500 into easy Equated Monthly Instalments (EMIs) from your mobile app.
• Instant EMI conversion of all online transactions above Rs. 2,500 on the IDFC FIRST Bank’s OTP page.

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.

Fuel Surcharge Waiver

• Fuel surcharge waiver of 1% across all fuel stations in India.
• Benefits available up to Rs. 200 per month

• Joining fee: Nil
• Annual fee: Nil
• Add-on card fee: Nil
• Cash advance fee: Rs. 250 per transaction
• Interest rate (APR) on purchases, cash advances & outstanding balances due: 0.75% to 3.5% per month (9% to 42% per annum).
• FIRST Private Credit Card: Rs. 50,000
• Overdue interest: 3.99% per month (47.88% per annum)
• Over-limit charges: 2.5% of the over-limit amount, subject to a minimum of Rs. 500
• Late payment charges: 15% of the total amount due, subject to a minimum of Rs. 100 & a maximum of Rs. 1,250.
• Forex markup: 3.5% for all international transactions
• Image personalisation fee: Rs. 499
• Return of cheque/ auto-debit/ payment return: Rs. 250 per returned cheque/ auto-debit/ payment return.
• Card replacement fee: Rs. 100
• EMI fees: 1% of the transaction value, subject to a minimum of Rs. 99.
• Reward redemption fee: Effective from 01.10.2022, Rs. 99 per redemption transaction.
• Goods and Service Tax (GST): GST (presently 18%), as notified by the Government of India, is applicable on all the charges mentioned above.

Applicants must meet the following eligibility criteria to be eligible for IDFC FIRST Classic Card:

• Net monthly income: Minimum Rs. 25,000 (subject to change). 
• Age: Applicant should be aged 21 years or above to apply for the IDFC FIRST Classic Card and not beyond the age of 65 years.
• Citizenship: Indian residents having a current and permanent residential address within India are eligible.
• Location: IDFC FIRST Bank maintains a set of cities allowed for sourcing cards.
• Credit bureau history: Applicant should have a good credit score and no history of defaulting on any loans or missing payments on loans/ credit cards.
• Internal policy criteria of the bank: IDFC FIRST runs certain internal policy criteria to choose a customer for credit card issuance. Internal policy criteria are based on the applicant’s credit history, existing relationship with the IDFC Bank, customer demographics, and credit exposure. The final decision to approve a credit card to the applicant is at the sole discretion of the bank, according to the mentioned internal policies.

You will be required to submit the following documents to apply for IDFC FIRST Classic Credit Card:

• Address proof: Passport/ Aadhaar Card/ Voter ID/ Ration Card.
• Identity proof: Passport/ Aadhaar Card/ Driving License.
• Income proof: Form 16, Income Tax Returns, and Salary Slip.

You can apply for the IDFC FIRST Bank Classic Credit Card from the official website of the bank by following the steps mentioned below:

• Open the IDFC FIRST Classic Credit Card page by clicking the https://www.idfcfirstbank.com/credit-card/classic link.
• Then click on the ‘Apply Now’ button.
• Enter your complete name as per your Aadhaar Card, along with your date of birth.
• Provide your 10-digit mobile number.
• Click on the ‘Get OTP’ button.
• Enter the received OTP on your mobile phone.
• You will soon get a call from the bank’s executive regarding taking the application process ahead.
• Alternatively, you can also apply for an IDFC FIRST Classic credit card through our website or by visiting the nearby IDFC FIRST Bank branch.