The IDFC FIRST Bank Classic Credit Card is a lifetime-free credit card that offers a wide array of benefits and features designed to cater to the needs and aspirations of its users. This card is particularly appealing due to its free joining and annual fees, making it an ideal choice for individuals looking to manage their expenses without incurring additional charges.
The IDFC FIRST Bank Classic Credit Card is well-suited for first-time credit card users and those with a regular income, as it provides a comprehensive reward programme, travel benefits, and various other privileges. The card’s diverse range of benefits and features make it an attractive option for many, as it offers a rewarding and convenient credit card experience.
Benefits & Features of the IDFC FIRST Bank Classic Credit Card
The IDFC FIRST Bank Classic Credit Card comes with a host of benefits and features that make it an appealing choice for many. Let’s take a closer look at the welcome benefits and other perks offered by this card.
Welcome Benefits
New cardholders of the IDFC FIRST Bank Classic Credit Card can enjoy several welcome benefits:
- Upon spending ₹5,000 within the first 30 days of card activation, users receive a welcome gift voucher worth ₹500.
- Cardholders can also avail a 5% cashback on their first EMI transaction, up to a maximum of ₹1,000, if the transaction is made within 90 days of card activation.
Other Benefits
The IDFC FIRST Bank Classic Credit Card offers a wide range of other benefits that make it a valuable addition to one’s wallet.
- Rewards Programme:
- Cardholders earn 3 reward points per ₹150 spent on offline purchases and 6 reward points per ₹150 spent on online transactions.
- For incremental spends above ₹20,000 in a month, cardholders can earn 10 times the reward points.
- Travel Benefits:
- Cardholders receive 4 complimentary railway lounge accesses per quarter at select railway stations, along with complimentary roadside assistance available up to 4 times a year.
- Movie & Dining Benefits:
- Users can enjoy a 25% discount on movie tickets, capped at ₹100, once a month through the Paytm app.
- The card also offers up to 20% discount on dining across over 1,500 restaurants.
- Fuel and Other Convenience Benefits:
- A fuel surcharge waiver of up to ₹200 per month is available on transactions between ₹200 and ₹5,000.
- Cardholders also benefit from interest-free ATM cash withdrawals for up to 48 days and a lower interest rate starting at 9% per annum (0.75% per month).
- Insurance and Assistance:
- The card provides personal accident cover and zero lost card liability, along with emergency roadside assistance available up to 4 times a year.
- Additional Perks:
- Cardholders can enjoy up to 15% discounts at over 3,000 health and wellness outlets and 50+ in-app online discount offers. There is also a 5% cashback on the spend amount for the first EMI conversion within 90 days.
Key Highlights of the IDFC FIRST Bank Classic Credit Card
The IDFC FIRST Bank Classic Credit Card is a feature-rich credit card that offers numerous benefits to its users.
- Welcome gift voucher worth Rs. 500 upon spending Rs. 5,000 within the first 30 days of card activation
- 5% cashback on their first EMI transaction within 90 days
- 4 complimentary railway lounge accesses per quarter
- Fuel surcharge waiver up to Rs. 200 per month
- 25% discount on movie tickets once a month, up to Rs. 100
- Complimentary roadside assistance up to 4 times a year
- Discounts on dining, health, and wellness outlets
