आईडीएफसी फर्स्ट क्लासिक क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: IDFC FIRST Bank Ltd.
Lifetime Free card with dynamic low APR from 9%, interest-free ATM cash withdrawal up to 48 days, and 10X rewards on spends over ₹20,000.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
IDFC FIRST Classic Credit Card is an acclaimed Lifetime Free (LTF) credit card known for customer-friendly transparent terms. It provides interest-free ATM cash withdrawals for up to 48 days, low dynamic APR (from 9% p.a.), 10X reward points on spends above ₹20,000, and points that never expire.
Gift voucher worth ₹500 from top retail brands on spending ₹15,000 or more within 90 days of card generation, plus 5% cashback (up to ₹1,000) on first EMI transaction value.
4 complimentary domestic railway lounge visits per calendar quarter.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts up to ₹4,000 (maximum waiver of ₹200 per statement cycle).
Dynamic low interest rate starting from 9.00% to 42.00% p.a. based on individual credit profile. Zero interest on ATM cash withdrawals for up to 48 days (only flat fee of ₹250 applies). Points never expire.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried Indian individuals aged 21 to 65 with monthly salary exceeding ₹25,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹3,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant e-KYC) 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Live selfie captured during digital V-KYC.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Does not include complimentary domestic airport lounge access (railway lounge only). 10X points apply only on incremental monthly spending above ₹20,000. Forex markup is standard 3.50%.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit idfcfirstbank.com/credit-cards or open IDFC FIRST Mobile app. Step 2: Enter PAN and mobile number for soft instant credit inquiry. Step 3: Select IDFC FIRST Classic Credit Card. Step 4: Confirm employment details and residential address. Step 5: Complete online Video KYC session with bank official. Step 6: Digital card generated instantly; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on IDFC FIRST Classic Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: 15% of Total Amount Due (Minimum ₹100, Maximum ₹1,250 + GST).. In addition, revolving finance charges at Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum) determined algorithmically based on customer credit score. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on IDFC FIRST Classic Credit Card into EMI?
Yes, IDFC FIRST Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on IDFC FIRST Classic Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into IDFC FIRST Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 (4 Reward Points = ₹1.00) directly usable to settle online shopping carts at checkout (Amazon, Flipkart) or against card statement credit with zero redemption fee. Please note: Never expire. IDFC FIRST Bank reward points have lifetime validity.
What is the interest-free grace period on IDFC FIRST Classic Credit Card and how does it work?
The interest-free period on IDFC FIRST Classic Credit Card is Up to 48 days of interest-free credit from transaction date (applies to retail spends AND ATM cash withdrawals).. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Dynamic APR starting from 0.75% to 3.50% per month (9.00% to 42.00% per annum) determined algorithmically based on customer credit score.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.