IDFC First Bank
Classic · First Classic
IDFC First Classic Credit Card
IDFC First Bank
Lifetime Free card with 10X online and 3X offline rewards
Annual Fee
Free
Joining Fee
Free
Reward Rate
2.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹0
Total Annual Benefits
₹0
Total Annual Charges
₹0
ROI
0%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Reward Points (2)
10X Reward Points on Online Spends
Earn 10X reward points on online transactions
- • Valid on online purchases
10X points
3X Reward Points on Offline Spends
Earn 3X reward points on in-store purchases
- • Valid on offline purchases
3X points
Reward Program
Program
IDFC First Rewards
10X online, 3X offline
Effective cashback: 2.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via IDFC Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online
10x multiplier
10X reward points
Offline
3x multiplier
3X reward points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.4 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
0 0 0
Lost Card Liability
₹50,000
Report within 24h
- • Fraud protection on lost/stolen card
Airport Lounge Access
Domestic
0 visits/year
Not available
International
0 visits/year
Not available
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Domestic acceptance EMI conversion facility 10X reward points on online spends 3X reward points on offline spends Lifetime Free
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IDFC First Classic Credit Card is a Lifetime Free (LTF) Visa Classic card offering 10X reward points on online transactions and 3X on offline spen...
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