IDFC FIRST Bank
IDFC FIRST Bank Classic Credit Card
Annual Fee
FREE
Base Reward
1% points
Foreign Markup
3.50%
Welcome Benefits
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
Product Highlights
- Lifetime free annual fee
- 10x reward points on spends above ₹20,000
- Unlimited reward points
- Exclusive 24/7 Concierge Services
Category Rewards
shopping
10x Reward Points on spends above ₹20,000
10x Reward Points on spends above ₹20,000
dining
Up to 20% off on meals at restaurants
Up to 20% off on meals at restaurants
other
5% cash back on first EMI transaction
5% cash back on first EMI transaction
Rewards Details
Earn 10x reward points on all spends above ₹20,000. 6X Reward Points on online purchases and 3X Reward Points on offline purchases for spends up to ₹20,000 per month. 5% cash back on the first EMI transaction within 90 days of card issuance.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 16 complimentary visits annually (4 visits per quarter) Free access to railway lounges.
Pros & Cons
Pros
- No annual fee
- Rewards program to earn points on purchases
- Interest-free period on purchases
- No max cap on earning reward points
Cons
- Limited options for redemption
- Gold and Jewellery linked transactions not permitted for conversion
Additional Info
Reward points never expire
1 Reward Point = ₹0.25
Excluded Categories
Fees & Charges
Eligibility
Min Age
18 yrs
Networks