IDFC First Classic Credit Card

Secure application on IDFC FIRST Bank's website

IDFC First Classic Credit Card
Annual Fee
₹0
Min Income
₹25,000
Regular APR
43.8%
Rating
4.5/5

IDFC First Classic Credit Card

Shopping, Rewards, Travel, Airport-Lounge, Airline, Best, Premium • Card

Welcome Benefit

₹500 bonus for spending ₹15,000 within the first 90 days. 5% cashback (up to ₹1,000) on the first EMI transaction made within 30 days of card activation.

Why We Chose It

This card offers great rewards and benefits for spending on online and offline shopping, fuel, travel, and dining, along with additional lifestyle and insurance benefits.

Pros

  • Free annual and joining fees.
  • 10X Reward Points for monthly spending over ₹20,000 and on your birthday.
  • 6X Reward Points for online shopping (up to ₹20,000/month).
  • 3X Reward Points for offline transactions (up to ₹20,000/month).
  • 1X Reward Point for every ₹150 spent.
  • Up to 20% dining discounts at 1,500+ restaurants.
  • 15% discounts at 3,000+ wellness centers.
  • Complimentary railway lounge access (4 visits per quarter).
  • Complimentary roadside assistance worth ₹1,399.
  • Personal Accident Insurance coverage of ₹2,00,000.

Cons

  • No rewards for fuel, EMI transactions, or cash withdrawals.
  • Foreign transaction fee of 3.50%.
  • Late payment fee can go up to ₹1,250.