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IDFC FIRST CLASSIC

  • Joining Fee NIL (Excluding GST)
  • Annual Charges NIL (Excluding GST)
  • Best Suited For Shopping & Reward

Key Highlights of the IDFC FIRST CLASSIC

Cardholders can get 1 reward point on every spend of Rs 150 and its multiples (1 Reward point = Rs 0.25). This reward program is not available on insurance, fuel, cash withdrawals and EMI transactions.

Features and Benefits

Welcome Cashback on EMI:
  • 5% cashback (of up to Rs 1,000) is offered on the transaction value of the first EMI purchase within 30 days of card generation.
Dining Offer:
  • Up to 20% discount across 1,500 restaurants
Health & Wellness Offer:
  • Up to 15% discount over 3,000 health and wellness outlets.
Fuel surcharge waiver:
  • This waiver offer is applicable on the transaction value of Rs 200 to Rs 5,000. The bank offers a 1% fuel surcharge waiver of up to Rs 200 at all fuel stations.
Other offers:
  • Over unique 300 merchant offers and 50+ In-app online discount offers The credit limit is 100% of the fixed deposit amount
  • The cash withdrawal limit is 100% of the FD value. For up to 48 days, no interest is charged on cash withdrawals from ATMs.
  • Cardholders can increase their credit card limit by opening up to 2 additional Fixed Deposits
EMI & Balance Transfer Options:
  • Transactions of above Rs 2,500 can be easily converted into EMIs, instantly.
  • The card also offers a Balance Transfer facility wherein outstanding credit card balances of other banks can be paid off through this secured credit card.
Card replacement fee
  • Rs. 100

IDFC FIRST CLASSIC Fee Charges

Joining Fee NIL
Annual Fee NIL
Add-on Fee (per annum) NIL
Late Payment Charge 15% of the total outstanding amount (Minimum - Rs. 100; Maximum - Rs. 1300)
Transaction fees on Cash Advance Rs. 199
Overdue interest 3.99% per month (47.88% p.a.)

IDFC FIRST CLASSIC Rewards

  1. Cardholders can get 1 reward point on every spend of Rs 150 and its multiples (1 Reward point = Rs 0.25). This reward program is not available on insurance, fuel, cash withdrawals and EMI transactions.
  2. No expiry date on reward points
  3. Cardholders can use their reward points while shopping online or in-store through the ‘pay with points’ option. Reward Points can also be redeemed against amazing offers at idfcfirstrewards.poshvine.com.
  4. The reward points can be redeemed anytime, anywhere, online.

Documents and Eligibility

Documents

  • Proof of Identity:
  • PAN Card
  • Aadhaar Card
  • Passport
  • Driving License
  • Voter’s ID Card or Any other government approved photo ID
  • Proof of Address:
  • Aadhaar Card
  • Passport
  • Utility bills (not more than 3 months old) or Any other government approved address proof
  • Proof of Income:
  • Bank statement for the last 3 months
  • Salary slips for the last 3 months
  • Audited financials for the last two years (for self-employed) or Form 16

Eligibility

  • The applicant should be a minimum age of 18 years
  • Applicant should be an Indian resident and have a current and permanent residential address within India
  • The minimum deposit amount required to open FD is Rs 20,000
  • Applicants must hold an FD account in cumulative, re-investment and auto-renew mode

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