IDFC FIRST Classic Credit Card is a lifetime free credit card with no joining, renewal, or annual fee. Besides, it also offers reward plans and a range of benefits.
IDFC FIRST Classic credit card benefits and features:
Here are the features and benefits:
Welcome Benefits:- The credit card comes with attractive welcome benefits.
- Rs.500 gift voucher at the expense of 15000 within 90 days of issuing the card.
- 5% cash back on the first EMI transaction performed within 90 days from the date of issue.
Reward points:- This credit card offers a variety of reward points for every transaction made.
- 6X reward points on online purchases
- 10X reward points on expenses above Rs.20000
- 10X reward points on every transaction you make on your birthday.
- 3X reward points for every offline purchase
You can redeem these points free of charge for travel, dining, shopping, and more, except for fuel, insurance, and EMI.
Entertainment benefits:- With this credit card: get 25% or up to Rs.100 off on movie tickets once a month.
Travel benefits:- This card offers impressive travel benefits to enjoy within the country.
- Free Road Side Assistance (RSA) of up to Rs.1399.
- Free 4-railway lounge access every quarter.
ATM Withdrawal benefit:- With this credit card, you can enjoy interest-free cash withdrawals from any Indian ATM for 48 days.
Fuel benefits:- This credit card offers you a 1% or up to Rs.200 fuel surcharge waiver at any Indian petrol pump every month.
Insurance benefits:- The IDFC FIRST Classic Credit Card offers up to Rs. 2 lakhs personal accident cover and a complimentary lost card liability cover of up to Rs.25000.
Other Benefits:– this credit card offers a low-interest rate starting at 9% per annum, which is 0.75%-2.99% monthly. The Forex Markup Fee is 3.5%.
Repayment methods:- This credit card charges 15% of the total amount due as a late payment fee, which may be subject to Rs.100-Rs.1000 and 2.5% of the over-limit amount as an over-limit fee.
Add-on cards:- You can get up to four add-on cards for your family members, allowing them to enjoy the benefits of your credit card.
EMI options:- This credit card offers transactions of above Rs.2500 into easy monthly installments (EMIs) at low-interest rates.
Contactless payments:- The IDFC FIRST Classic Credit Card is a chip-based contactless card to make quick and secure transactions.
This Credit Card is a worthy option for individuals who want a lifetime-free credit card with never-ending decent earn reward points if they have high expenses.