IDFC Classic Credit Card - Lifetime Free & Rewards

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Features of IDFC FIRST Classic Credit Card

Lifetime-Free Status:
The IDFC FIRST Classic Credit Card is a lifetime-free card, meaning it incurs no joining or annual fees. This feature eliminates the recurring costs often associated with credit cards, which can range from ₹500 to ₹5,000 annually for other cards. By waiving these fees, the card ensures that users can enjoy its benefits without worrying about renewal expenses, making it an economical choice for budget-conscious individuals. This accessibility broadens its appeal, particularly for those new to credit who want to avoid upfront costs.
Dynamic Interest Rate Structure:
The card features a dynamic interest rate model, ranging from 0.75% to 3.99% per month (equivalent to 9% to 47.88% per annum), based on the cardholder’s credit profile, repayment history, and income. This flexibility rewards responsible users with lower rates, reducing the cost of carrying a balance. Interest is applied only when the outstanding balance isn’t cleared by the due date, incentivizing timely repayments. Compared to standard rates of up to 42% per annum on other cards, this dynamic model can be advantageous for disciplined users.
Robust Rewards and Lifestyle Benefits:
The IDFC FIRST Classic Credit Card offers a compelling mix of rewards on everyday spends along with value-added lifestyle perks such as offers on dining, entertainment, and travel. The card is well-suited for individuals seeking affordability without sacrificing value and benefits in return.

- Comprehensive Rewards Program: The rewards program is a cornerstone of the card’s appeal, offering unlimited, non-expiring reward points:
  • 3X Reward Points: Earn 3 points for every ₹150 spent on online and offline purchases up to ₹20,000 per month, covering categories like shopping, groceries, and utilities.
  • 10X Reward Points: Incremental spends above ₹20,000 in a statement cycle and birthday spends earn 10 points per ₹150, significantly boosting point accumulation.
  • UPI Rewards: Linking the card to a UPI app via a virtual RuPay add-on card (joining/annual fee of ₹199 + GST) allows 3X points on UPI transactions, aligning with India’s digital payment trend.
  • Non-Expiring Points: Points never expire, offering flexibility to redeem them for gift vouchers, travel bookings, or merchandise on the IDFC FIRST rewards portal (1 point = ₹0.25).
  A ₹99 + GST redemption fee applies per transaction, but the ability to redeem points instantly at partner stores or online platforms like Amazon enhances convenience.
- Travel Benefits: Travel-related features enhance the card’s utility for commuters and occasional travelers:
  • Railway Lounge Access: Four complimentary railway lounge visits per quarter are available, provided cardholders spend ₹20,000 in the previous calendar month.
  • Fuel Surcharge Waiver: A 1% surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹200 monthly.
  • Complimentary Roadside Assistance: Valued at ₹1,399, this covers breakdowns, flat tires, and fuel delivery.
- Entertainment and Dining Perks:
  • Movie Discounts: A 25% discount (up to ₹100) on movie tickets via Paytm or District by Zomato, once per month.
  • Dining Discounts: Up to 20% off at 1,500+ partner restaurants.
  • Merchant Offers: Over 300 merchant offers across shopping, health, and wellness with up to 15% discount.
- Insurance and Security Features:
  • Personal Accident Cover: Up to ₹2 lakh for accidental death or disability.
  • Lost Card Liability Cover: Up to ₹25,000 for unauthorized transactions after reporting.
  • Contactless Payments: Secure transactions with reduced fraud risk.
- Flexible Repayment Options:
  • EMI Conversion: Purchases above ₹2,500 can be converted into EMIs (3–18 months).
  • Balance Transfer: Transfer balances from other credit cards at potentially lower rates.
  • Interest-Free Period: Up to 48 days if previous dues are cleared.
- Welcome Benefits:
  • ₹500 gift voucher on spending ₹15,000 within 90 days.
  • 5% cashback (up to ₹1,000) on the first EMI transaction within 30 days.
- Cash Withdrawal Facility: Cash withdrawals from ATMs in India and abroad with a ₹199 + GST fee per transaction and a max limit of ₹10,000 per withdrawal. Up to 45 days interest-free.
- UPI and Digital Integration: Virtual RuPay add-on card supports UPI with 3X points. Manage everything via IDFC FIRST Bank app or net banking.
- Low Foreign Currency Markup Fee: A 3.5% fee on international transactions — competitive for entry-level cards.
- Add-On Card Option: Lifetime-free add-on cards for family members above 18 years. Shares the primary card’s credit limit and rewards.
- Transparent Fee Structure:
  • ₹99 + GST reward redemption fee.
  • Over-limit charge: 2.5% of excess (min ₹500).
  • Late payment charges: ₹100–₹1,300.
  • Cash advance fee: ₹199 + GST per transaction.
- Customizable Credit Limit: Based on income, credit score, and repayment history. Shared across all IDFC FIRST Bank credit cards.
- Sustainable Banking Practices: Digital statements and paperless processes promote eco-friendly banking.
- Merchant-Specific Offers: Access discounts at over 3,000 wellness outlets and 1,500+ restaurants. Seasonal offers on Amazon and Flipkart.
- New Card Design: From December 24, 2024, enjoy a modern design inspired by customer journeys. Benefits remain unchanged.
- PIN Authentication: PIN required for domestic POS transactions. For international, only at enabled terminals.
- Customer Support: 24/7 helpline (8885545255), in-app support.
- Ideal for Credit Building: Best suited for first-time users. Timely payments and responsible usage improve credit score.

Benefits of IDFC FIRST Classic Credit Card

1. Financial Savings Through Lifetime-Free Status:
- Zero Joining & Annual Fees: Save ₹2,500+ over five years compared to cards with ₹500/year charges.
- Ideal for Budget Users: Great for students, young professionals, or those minimizing card-related costs.
2. Lucrative Rewards Program:
- 3X Points on ₹20,000 Monthly Spend: Earn 3 points per ₹150 spent on regular transactions.
- 10X Points on High-Value & Birthday Spends: On spends above ₹20,000 or on your birthday.
- UPI Linked Rewards: Earn 3X points on UPI spends using virtual RuPay add-on card.
- Unlimited, Non-Expiring Points: Save points over time for larger redemptions like travel or gadgets.

- Travel-Related Savings and Comfort: Four complimentary railway lounge visits per quarter, activated by spending ₹20,000 in the prior month, provide a comfortable waiting experience.
- Entertainment and Lifestyle Perks: 25% discount (up to ₹100) on movie tickets monthly via Paytm or District by Zomato, saving up to ₹1,200/year. Up to 20% off at 1,500+ restaurants.
- Financial Flexibility: EMI conversion for purchases above ₹2,500 into 3–18 month plans. 5% cashback (up to ₹1,000) on first EMI transaction. Interest-free credit for up to 48 days if dues are cleared.
- Insurance and Security: ₹2 lakh personal accident cover and ₹25,000 lost card liability protection post-reporting. Interest rates from 0.75% per month (9% p.a.), much lower than the typical 3–4% monthly, reducing financial burden.
- Welcome Offers: ₹500 gift voucher on ₹15,000 spends within 90 days. 5% cashback (up to ₹1,000) on first EMI within 30 days of card issuance, giving instant value to new users.
- Convenience and Digital Integration: Contactless payments at POS terminals for quick transactions. Virtual RuPay add-on card allows UPI payments.
- Savings on International Spending: 3.5% forex markup for international purchases is competitive among entry-level cards, reducing costs for occasional global spending or online international shopping.
- Add-On Card Benefits: Free supplementary cards for family members share credit limits while extending perks like dining discounts and UPI rewards. Encourages shared financial responsibility without added cost.
- Environmental and Social Impact: Paperless applications and digital statements reduce environmental footprint. Rewards can be redeemed for social causes through partner platforms, appealing to eco-conscious users.
- Annual Savings Potential: Regular usage (e.g., ₹50,000/month spend) can yield estimated savings of ₹11,400/year through rewards, fee waivers, and discounts on fuel, dining, and movies.
- Broad Appeal for Beginners: With a low ₹25,000/month income requirement and beginner-friendly features, the card helps build credit history and financial habits with zero annual fees.
- Customer Support and Transparency: 24/7 helpline (8885545255), SMS support, and app chat options. Transparent fee disclosure (e.g., ₹99 reward redemption fee, ₹199 cash advance charge) builds user trust.
- Customizable Experience: Add-on cards, UPI integration, EMI flexibility, and personalized reward redemptions allow the card to adapt to individual lifestyles, increasing overall value and usability.
- Global Utility: International acceptance and contactless functionality make it suitable for both domestic and global shopping or travel needs, with seamless digital and offline usage.
- Modern Design: Eco-friendly, modern card design (new versions from Dec 2024) aligns with IDFC FIRST Bank’s sustainability mission while appealing to today’s aesthetics.

How to Apply for IDFC FIRST Classic Credit Card

Online Application: Visit IDFC FIRST Bank website → Credit Cards → FIRST Classic Credit Card → Apply Now.
Select the Card: Choose "FIRST Classic Credit Card" and click "Apply Now" or "Check Eligibility".
Enter Basic Details: Provide name, mobile number, DOB, PIN code, occupation, and verify via OTP.
Fill Complete Application: Enter personal, employment, and financial details accurately.
Upload Documents: Upload Aadhaar, PAN, salary slips (last 3 months) or ITR for self-employed. Ensure clarity.
Complete Video KYC: Keep PAN and Aadhaar ready for a live video call with a bank representative.
Bank Verification: The bank reviews credit score (CIBIL 750+ preferred), income, and documents.
Approval & Dispatch: On approval (7–14 working days), card is dispatched to your address (within 7–20 days).
Mobile App Application:

Download the IDFC FIRST Bank app from Play Store/App Store.
Log in or register → Navigate to “Cards” → FIRST Classic Credit Card.
Fill in details, upload documents, and submit the form digitally.
Track application status in-app after submission.

Offline Application:

Locate nearest branch via IDFC FIRST Bank website or by calling 1800 419 4332.
Collect and fill the physical application form.
Submit along with attested copies of required documents.
Original verification done by branch staff during submission.

Third-Party Platforms:

Apply via platforms like BankBazaar, PaisaBazaar, or Bajaj Finserv.
Use eligibility tools to compare cards and offers.
Follow platform-specific steps to apply and upload documents.

Post-Approval Steps:

Activate Card: Set PIN via mobile app ("Manage Card" → "Set PIN") or IVR call.
Link to UPI: Optionally request a virtual RuPay card for UPI transactions.
Track Usage: Monitor spending and EMIs using the IDFC FIRST Bank app.

Tips for Smooth Application:

Check your CIBIL score (preferably 750+).
Ensure uploaded documents are clear and legible.
Keep credit utilization below 30% before applying.
Avoid applying for multiple credit cards at once.

Common Challenges & Solutions:

Low Credit Score: Pay dues on time, correct report errors, and improve credit behavior.
Document Issues: Resubmit clear, valid documents if rejected.
Processing Delays: Contact customer care if approval takes more than 14 working days.
Verification Incomplete: Complete video KYC promptly if pending.

Eligibility Criteria for IDFC FIRST Classic Credit Card

1. Age Requirements
- Primary Cardholder:
  - Salaried: 21–60 years.
  - Self-employed: Up to 65 years.
- Add-On Cardholder: Minimum age 18 years.
2. Income Requirements
- Minimum monthly net income: ₹25,000.
- Annual income: At least ₹3 lakh.
- Income stability is preferred—regular salary or consistent business income.
3. Nationality & Residency
- Indian residents with a permanent address are eligible.
- NRIs can apply with valid Indian documents (passport, Aadhaar).
- Card sourcing is limited to select cities as per bank policy.
4. Credit Score & History
- Minimum CIBIL score of 750+ is recommended.
- No history of loan/credit card defaults or late payments.
- Preferred credit utilization ratio: Below 30%.
5. Employment Status
- Salaried: Stable job with at least 6–12 months of continuous service.
- Self-employed: Registered business/profession with 1–2 years of consistent income.
- Professionals (doctors, consultants, etc.) are also eligible.
6. Internal Bank Policies
- Credit exposure, age, location, and profession affect approval.
- Existing bank customers may get pre-approved or preferential treatment.
- Eligibility is also influenced by IDFC FIRST's risk-scoring models.
7. Tips to Meet Eligibility
- Maintain a high credit score and timely repayment history.
- Ensure consistent income for at least 6 months before applying.
- Clear existing debts and reduce credit utilization ratio.
- Use IDFC FIRST Bank’s eligibility checker tool online.
8. Common Reasons for Rejection
- CIBIL score below 750 or recent delinquencies.
- Irregular or insufficient income (< ₹25,000/month).
- High debt-to-income ratio (> 40%).
- Residence in non-serviceable locations.
- Incomplete or unverifiable documentation.
9. Reapplying After Rejection
- Wait 3–6 months before reapplying.
- Improve your financial profile during the waiting period.
10. Verification Process
- Document verification (PAN, Aadhaar, address proof, income).
- Video KYC for ID verification.
- Employer verification (for salaried applicants).
- Business proof or ITR checks (for self-employed applicants).
11. Pre-Approved Offers
- Check your IDFC FIRST Bank mobile app or website for pre-approved credit card offers.
- These offers are based on your banking history and simplify the application process.

Documents Required for IDFC FIRST Classic Credit Card

1. Identity Proof:
- Aadhaar card
- PAN card (mandatory for tax compliance)
- Voter ID
- Passport
- Driving license
Purpose: Confirms the applicant’s identity and ensures compliance with KYC norms.

Requirements: The document must be valid, with a clear photo, name, and unique ID number. For Aadhaar, masking the first eight digits is optional unless requested by the bank.

Submission Format: Digital copies (PDF/JPEG) for online applications; physical copies for offline applications.
2. Address Proof:
- Aadhaar card
- Passport
- Voter ID
- Utility bill (electricity, gas, or water, not older than 3 months)
- Rental agreement
- Driving license
3. Income Proof:
Salaried Individuals:
- Latest 3 months’ salary slips
- Bank statements (3–6 months) showing salary credits
- Form 16 or latest Income Tax Return (ITR)
- Latest ITR with computation of income (1–2 years)
- Bank statements (6–12 months) showing business transactions
- Business registration certificate (e.g., GST certificate, shop license)
Purpose: Verifies minimum income requirement and income stability.
4. Photograph:
Recent passport-sized photograph (color, plain background, taken within last 6 months).

Used for card personalization and KYC verification.
5. Additional Documents for NRIs:
- Valid passport and visa copies
- NRE/NRO account statement (6–12 months)
- Overseas address proof (utility bill or bank statement)
6. Documents for Add-On Cards:
- Identity proof of add-on cardholder (Aadhaar, voter ID, or passport)
- Recent passport-sized photograph
7. Submission Guidelines:
- Online: Upload clear scanned copies (PDF/JPEG, under 2 MB)
- Offline: Submit photocopies with originals for verification
- Documents must be legible and valid
- Details must match application form
8. Common Document Issues & Tips:
- Mismatched details: Provide supporting documents like marriage certificate if needed
- Expired documents: Replace with valid copies
- Illegible scans: Use high-resolution scans
- Incomplete income proof: Submit all requested documents
9. Verification Process:
- KYC checks via government databases
- Income validation through employer/bank verification
- Employer checks for salaried applicants

Factors Influencing the IDFC FIRST Classic Credit Card

Credit Score: A CIBIL score of 750 or above significantly increases approval chances, reflecting creditworthiness. Scores below 700 may lead to rejection or conditional approval. Higher scores (e.g., 800+) often result in higher credit limits and lower interest rates (0.75%–3.99% monthly). Maintaining timely payments and low credit utilization boosts your score.
Income Level: Minimum net monthly income of ₹25,000 is required. Higher incomes improve approval odds and may yield higher credit limits (typically 2–4 times monthly income). Stable, verifiable income strengthens your application.
Repayment History: A clean record with no missed payments or defaults is crucial. Strong repayment history justifies higher credit limits and qualifies for lower interest rates. Recent defaults may cause rejection.
Credit Utilization Ratio: Keeping credit usage below 30% signals responsible credit management, improving approval chances and interest rates. High utilization indicates financial stress and may reduce limits.
Debt-to-Income Ratio: Ideally below 40%, this ratio compares monthly debt payments to income. Lower ratios allow for higher limits and better rates. Reducing debt or increasing income helps.
Employment Stability: Salaried applicants with 6–12 months tenure or self-employed with 1–2 years of business stability are preferred. Stable employment reduces income volatility and improves approval chances.
Existing Relationship with IDFC FIRST Bank: Existing customers may get pre-approved offers, faster approval, higher credit limits, and lower interest rates based on account activity and balances.
Credit Inquiries: Multiple recent applications lower your credit score and approval chances. Limiting inquiries to one every 6 months is advisable.
Location and Demographics: Approval depends on whether your city is serviceable. Urban applicants with higher incomes may receive higher credit limits.
Internal Bank Policies: Proprietary algorithms evaluate risk, cap credit limits, and assign interest rates based on multiple factors including credit history and income.
Age of Applicant: Ideal age range is 21–60 years. Applicants closer to retirement may face stricter scrutiny unless they show stable income.
Number of Active Credit Accounts: Fewer active credit lines indicate better manageability. Too many active cards or loans may appear risky to issuers.
Type of Employment: Salaried individuals working in government or reputed private firms are considered low risk. Freelancers or contract workers may need to show strong financial history.
Banking History: A long-standing bank relationship with regular transactions boosts your credibility and can lead to higher limits.
Spending Patterns: Consistent but controlled card usage with regular bill payments reflects disciplined financial behavior and increases approval chances.
Previous Credit Card Ownership: Having a positive track record with past credit cards improves your creditworthiness and supports higher limit eligibility.
Loan Repayment History: Timely repayment of personal loans, education loans, or home loans builds a strong credit profile that favors approval.
Educational Background: While not a key factor, applicants with professional qualifications or technical degrees often demonstrate better financial awareness.
Ownership of Assets: Applicants who own property or vehicles can demonstrate financial strength, improving trust and approval chances.
Residential Stability: Staying in the same location for 2+ years adds credibility and reduces perceived risk of default or fraud.
Family Dependents: Fewer dependents may improve debt-servicing ability, positively affecting the debt-to-income ratio.
Monthly Expense Behavior: Lower fixed monthly expenses relative to income signal strong repayment capacity.
Co-Applicants or Guarantors: Though not commonly required, strong guarantors (in joint applications) can boost approval in borderline cases.
Credit Mix: A healthy mix of secured (home loan) and unsecured credit (credit cards) showcases financial maturity and discipline.
Documentation Accuracy: Proper KYC submission (PAN, Aadhaar, income proof) with accurate information ensures smooth processing and reduces rejections.

Frequently Asked Questions (FAQs)

1. What is the IDFC FIRST Classic Credit Card?

The IDFC FIRST Classic Credit Card is an entry-level lifetime free credit card offering attractive rewards, low interest rates, and zero annual fees.

2. Is there an annual fee for the IDFC FIRST Classic Credit Card?

No, the card is lifetime free with no annual or joining fee.

3. Who is eligible to apply for this card?

Indian residents aged 21 to 60 years with a stable income and a good credit score are generally eligible.

4. What are the interest rates on this credit card?

Interest rates range from 0.75% to 3.5% per month (9% to 42% annually), based on the customer’s credit profile.

5. What rewards do I earn on this card?

You earn 3X reward points on online and offline spends and 6X points on spends above ₹20,000 per month.

6. Do reward points expire?

No, IDFC FIRST Bank’s reward points never expire.

7. Are there any welcome benefits?

Yes, welcome vouchers worth ₹500+ on card activation and spend within 30 days.

8. Can I use this card internationally?

Yes, it can be used worldwide where Visa is accepted. Foreign currency markup is 3.5% + taxes.

9. What is the cash withdrawal fee?

Cash withdrawals are interest-free for up to 48 days with a nominal convenience fee.

10. Is there a fuel surcharge waiver?

Yes, there’s a 1% fuel surcharge waiver on transactions between ₹200 to ₹5,000 (up to ₹200/month).

11. Does it offer any insurance cover?

Complimentary personal accident cover and lost card liability cover are included.

12. Can I convert large purchases to EMIs?

Yes, eligible transactions above a certain amount can be converted into EMIs at attractive rates.

13. Is there a contactless payment feature?

Yes, the card supports contactless payments via NFC technology for transactions up to ₹5,000.

14. How can I check my card statement or balance?

Through the IDFC FIRST Bank app, internet banking, or SMS alerts.

15. How do I apply for the IDFC FIRST Classic Credit Card?

You can apply online via the IDFC FIRST Bank website or visit a nearby branch.

List of IDFC FIRST Classic Credit Card Branches in Telangana

Telangana - Adilabad
Hyderabad - AS Raju Nagar
Hyderabad - Banjara Hills
Hyderabad - Begumpet
Hyderabad - Chikoti Gardens
Hyderabad - Rani Gunj

Hyderabad - Gachibowli
Hyderabad - Ghatkesar
Hyderabad - Himayatnagar
Hyderabad - JNTU
Hyderabad - Jubilee Hills

Hyderabad - Jyothinagar Colony
Hyderabad - KPHB Colony
Hyderabad - Kothapet
Hyderabad - Kukatpally
Hyderabad - Madhapur

Hyderabad - Malakpet
Hyderabad - Manikonda
Hyderabad - Marredpally
Hyderabad - Narsingi
Hyderabad - Patancheruvu

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