IDFC First Classic Credit Card Review – Are you looking for a credit card that helps you get the most out of your money? Look no further than the IDFC First Classic Credit Card. This card offers a range of benefits and features that make it the perfect choice for anyone looking to make the most of their spending. With this card, you can enjoy exclusive discounts, cashback offers, and more. Plus, you can also enjoy the convenience of online banking and easy access to your account. With this Credit Card, you can make the most of your money and enjoy a hassle-free experience.
The cashback benefits of the IDFC Classic Card are applicable on all your purchases made in India. You can use your card to make payments for your shopping, travel, dining, and entertainment expenses. The cashback benefits are applicable on all your purchases made in India.
Table of Content
- Table of Content
- IDFC First Classic Credit Card Key Factors
- What Are The IDFC First Classic Credit Card Offers And Benefits
- The Eligibility Criteria For IDFC First Classic Credit Card
- How to Apply For IDFC First Classic Credit Card
- Fill out the Form
- The charges And Fees on The Card
- Conclusion
- Frequently Asked Questions
- Popular Credit Cards
IDFC First Classic Credit Card Key Factors
| Feature/Benefit | Details |
|---|---|
| Joining Fee | No Joining fee. Lifetime Free Credit Card |
| Annual Fee | No annual fee. Lifetime Free Credit Card |
| Rewards Program | – 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month – 10X Rewards on Birthday – No Limit of Reward points that never expire |
| Welcome Benefits | Get a complimentary voucher worth Rs. 500 on your first transaction of on spending ₹15,000 or more within 30 days of card issuance |
| Fuel Surcharge Waiver | Get a 1% waiver on fuel surcharge (up to Rs. 200 per month) |
| Dining Benefits | Enjoy discounts on dining at select partner restaurants across India |
| Insurance Coverage | The card provides air accident insurance of up to Rs. 50 lakh and purchase protection insurance of up to Rs. 25,000 |
| Railway Lounge Access | 4 complimentary Railway lounge visits per quarter |
| Easy EMI Facility | Convert high-value purchases into easy EMIs with flexible tenures ranging from 3 to 24 months |
What Are The IDFC First Classic Credit Card Offers And Benefits
The IDFC Classic Credit Card offers a host of rewards and benefits. It provides up to 5% cash back on all your purchases, with no minimum spend required. You can also earn up to 10,000 reward points on your first transaction. Additionally, you can enjoy up to 15% discount on select categories of purchases.
The card comes with a host of other benefits. You can enjoy free airport lounge access, free movie tickets, free fuel surcharge waiver, and free access to select golf courses. You can also get discounts on dining, shopping, and travel. Additionally, you can enjoy complimentary travel insurance, free credit card protection, and more.
It also offers a host of other features. You can enjoy a free balance transfer facility, a free cash withdrawal facility, and free add-on cards. You can also get access to a 24/7 customer service helpline and an online account management facility.
The Eligibility Criteria For IDFC First Classic Credit Card
To be eligible for this IDFC Classic Card, applicants must meet certain criteria –
| Eligibility Criteria | Details |
|---|---|
| Age | You should be between 21 and 60 years old |
| Nationality | You should be a resident of India |
| Income | You should have a minimum monthly income of Rs. 25,000 |
| Credit Score | You should have a good credit score and a clean credit history |
| Employment | Salaried or self-employed individuals can apply for the card |
| KYC Documents | You will need to provide your PAN card, Aadhaar card, and other KYC documents as required by the bank |
| Existing IDFC Customers | Existing customers of IDFC Bank may have additional eligibility benefits |
In order to be approved for the IDFC Classic Credit Card, applicants must also meet certain income requirements. Generally, applicants must have a minimum annual income of Rs. 2.5 lakhs. However, this amount may vary depending on the applicant’s credit score and other factors.
How to Apply For IDFC First Classic Credit Card
Applying for an IDFC Classic Credit Card is a straightforward process that can be completed in just a few steps. With this card, you can enjoy a range of benefits, including exclusive rewards, discounts, and more. Here’s how to apply for an IDFC Classic Credit Card:
Step 1: Tap on Apply Now Button on Pricemint Website
Click on the “Apply Now” Button on IDFC Credit Card Page on Pricemint Website.
Step 2: Check Your Eligibility
Before you apply for an IDFC Classic Credit Card, you should check your eligibility. You must be an Indian resident, aged 18 years or above, and have a good credit score. You should also have a steady source of income.
Step 3: Gather Required Documents
Once you’ve checked your eligibility, you should gather the required documents. These include valid ID proof, such as a PAN card, Aadhar card, or passport. You’ll also need to provide proof of address, such as a utility bill or bank statement. Finally, you’ll need to provide proof of income, such as your salary slips or income tax returns.
Fill out the Form
Step 4: Fill Out the Application Form
Once you’ve gathered the required documents, you can fill out the application form. You’ll need to provide your personal details, such as your name, address, and contact information. You’ll also need to provide your income details and the required documents.
Step 5: Submit the Application
Once you’ve filled out the application form, you can submit it to the bank. You can submit the form online or in person at the bank.
Step 6: Wait for Approval
Once you’ve submitted the application, you’ll need to wait for the approval. The bank will review your application and documents and will then decide whether to approve or reject your application.
Alternatively, you can also apply for the IDFC First Classic Credit Card by visiting the nearest IDFC Bank branch or by calling the bank’s customer care helpline.
The charges And Fees on The Card
There are certain fees and charges associated with the IDFC Classic Credit card that you should be aware of before applying.
| Fee/Charge | Amount |
|---|---|
| Joining Fee | No Joining fee. Lifetime Free Credit Card |
| Annual Fee | No annual fee. Lifetime Free Credit Card |
| Finance Charges | 0.75% to 3.5% per month (9% to 42% per annum) |
| Late Payment Fee | 15% of Total Amount Due |
| Over Limit Fee | 2.5% of the over-limit amount (minimum of Rs. 500) |
| Cash Advance Fee | 15% of the Total Amount Due |
| Foreign Currency Markup Fee | 3.5% of the transaction amount |
| Card Replacement Fee | Rs. 100 |
| Duplicate Statement Fee | Rs. 100 per statement |
| Outstation Cheque Fee | Rs. 100 per cheque |
Conclusion
IDFC First Classic Credit Card is a great choice for anyone to get the most out of their money. With its competitive rewards program, low annual fee, and exclusive offers, it is an ideal choice for those who want to maximize their spending power. With its simple and easy-to-use features, it is a great way to save money and make the most of your finances. Whether you’re looking for a way to save on everyday purchases or to take advantage of exclusive offers, the IDFC First Classic Credit Card is a great choice.
Frequently Asked Questions
The card comes with a range of security features to ensure the safety of your transactions. These features include EMV Chip, PIN Protection, Secure Online Shopping, and Fraud Protection.
To apply for a Classic Card, you must first meet the eligibility criteria. You must be at least 18 years old and have a regular source of income. You must also have a good credit score and a stable financial history. Once you have met the eligibility criteria, you can begin the application process. You can apply for an IDFC Classic Credit Card online or in person at a branch.
Popular Credit Cards
- IDFC Millennia Credit Card Review – benefits, charges, limit
- SBI Card Prime Review – Benefits, Fee, Apply, limit
- Bihar Student Credit Card Scheme – Eligibility, Status, Apply
- Bajaj RBL Super Card Review – Apply, Features, Charges
- RBL ShopRite Credit Card Review – Benefits, Status, Apply
We hope you will like the IDFC First Classic Credit Card review. do share on social media handles and with your friends and closest family members. if you have any queries related to credit cards, we love to hear and find solutions for you. comment down below or you can Mail us at [email protected]
