IDFC Classic Credit Card
The IDFC First bank classic credit card is the lifetime free credit card offered by IDFC First bank. It is also known as a reward credit card where the cardholder enjoys the host of benefits like reward points on categories like travel, groceries, entertainment, shopping and many more. Here are the features and benefits of IDFC Classic Credit Card. 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.
Key Highlights of IDFC Classic Credit Card
Features and benefits of IDFC Classic Credit Card
The eligibility criteria to apply for the IDFC Classic Credit Card:
The documents required to apply for the IDFC Classic Credit Card are:
Both Self-employed and Salaried
Salaried- Income proof
Self-employed- Income Proof
IDFC Classic Credit Card fee and charges
Joining Fee | NIL |
Annual Fee | NIL |
Interest on Cash advance | From 0.75% to 2.99% per month | 9% to 35.88% per year |
Foreign Exchange Markup | 1.99% |
Late Payment Fee | Less than Rs. 100 = NIL Rs. 500 = Rs. 100 Rs. 5,000 = Rs. 750 Rs. 10,000 = Rs. 1.000 More than Rs. 10,000 = Rs. 1.000 |
Cash Advance fee | Rs. 250 (International and Domestic) |
Overlimit fee | NIL |
Interest rate on Purchase due | From 0.75% to 2.99% per month | 9% to 35.88% per year |
Reward Redemption Fee | NIL |
Card Replacement Fee | Rs 100 |
If you are seeking a credit card from IDFC bank, you can simply fill up an online loan application at our platform after checking your IDFC FIRST credit card Eligibility We IndiaLends has collaborated with IDFC bank to offer you the best of credit card services. Click here to apply for IDFC Classic Credit Card and avail of exciting rewards and cashback. Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.
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FAQ’s
Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.
The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.
Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.
Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.