Will my reward points get expired after a certain time?

No, the reward points earned on the IDFC First Classic Credit Card will be permanent and does not expire.

How can I generate my credit card PIN?

To generate the PIN of the IDFC First Classic Credit Card, you can either log in to your net banking account or your mobile banking account. If not, you can call the customer care of the bank to generate or change your PIN.

How much is the value of 1 reward point?

Each reward point amounts to Rs.0.25 or 25 paise.

IDFC FIRST Classic Credit Card

The IDFC First Classic Credit Card is a lifetime free credit card offered by IDFC First Bank. This rewards credit card offers a wide range of benefits under the reward points category apart from other categories such as entertainment, travel, etc.

The IDFC First Classic Credit Card does not require any joining fee or annual fee and comes with an interest rate between 0.75% - 2.99% per month.

Apply for IDFC First Classic Credit Card

Key Highlights of IDFC First Classic Credit Card

Gift vouchers worth Rs.500 on joining.
5% cashback offered on first EMI transaction.
Lifetime-free credit card.
6x reward points given on online spends.

Features and Benefits of IDFC First Classic Credit Card

Joining Benefits	Gift voucher of Rs.500 given on spending Rs.15,000 within the first 3 months of card issuance. 5% cashback on the first EMI transaction done within the first 90 days of card issuance.
Reward Point Benefits	10x reward points on all purchases greater than Rs.20,000. 3x reward points given on all offline spends. For online spends, 6x reward points given. 10x reward points given on all expenses made on your birthday.
Entertainment Benefits	25% discount on movie tickets up to Rs.100. Will be valid once a month.
Travel Benefits	4 complimentary visits to the Railway lounges per quarter.
Fuel Benefits	1% fuel surcharge waiver at all petrol pumps up to Rs.200 per month.
Insurance Benefits	Personal Accident Cover of up to Rs.2 lakh. Complimentary lost card liability cover of Rs.25,000.
Other Benefits	Free Road Side Assistance worth Rs.1,399. Low interest rate starting at 9% per annum. Interest-free cash withdrawal from ATMs for up to 48 days.

IDFC First Classic Credit Card Limit

The credit limit for the IDFC First Credit Card is assigned by the bank. IDFC First Bank takes many factors into consideration before assigning the limit such as the credit score of the applicant, the repayment habits of past debts along with the credit utilisation ratio of the applicant.

IDFC First Classic Credit Card Fees and Charges

Type of Charge	Amount
Joining fee	Nil
Annual fee	Nil
Finance charges	0.75% - 2.99% per month
Rewards redemption fee	Nil
Cash advance fee	Rs.250
Late payment fee	15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000)
Over-limit charges	Nil
Outstation cheque processing fee	Nil
Card replacement fee	Rs.100
Charge slip request	Nil
Foreign currency markup	3.5%
Fuel surcharge	1% of the transaction value

Eligibility Criteria for IDFC First Classic Credit Card

Credit Score	Having a good credit score can increase your chances to be eligible for the card.
Age	He or she must be at least 18 years old.
Nationality	The primary applicant must be a citizen of India.
Employment status	The applicant must be salaried or self-employed.

Documents Required for IDFC First Classic Credit Card

Proof of Address	Income Proof	Identity Proof
Voter ID	Salary Slip	Aadhaar Card
Ration Card	Form 16	Driving License
Passport	Salary Slip	Voter ID
Aadhaar Card	IT Returns

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on IDFC First Classic Credit Card

Will my reward points get expired after a certain time?
No, the reward points earned on the IDFC First Classic Credit Card will be permanent and does not expire.
How can I generate my credit card PIN?
To generate the PIN of the IDFC First Classic Credit Card, you can either log in to your net banking account or your mobile banking account. If not, you can call the customer care of the bank to generate or change your PIN.
How much is the value of 1 reward point?
Each reward point amounts to Rs.0.25 or 25 paise.

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