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

  • Enjoy a gift voucher worth Rs 500 on joining.
  • Get 5 % cashback on using the EMI facility for the first time.
  • Lifetime-free credit card with nil joining and annual fee
  • 6x reward points given on each of the online spends.

Features and benefits of IDFC Classic Credit Card

  • Avail of 25% discount on booking of movie tickets up to Rs.100. Will be valid once a month.
  • Get up 4 free complimentary visits for Railway lounges across India.
  • 1% fuel surcharge waiver at all petrol pumps up to Rs.200 per month.
  • Personal Accident Cover of up to Rs.2 lakh.
  • Complimentary lost card liability cover of Rs.25,000.
  • Free Roadside Assistance worth Rs.1,399.

The eligibility criteria to apply for the IDFC Classic Credit Card:

  • The minimum age to apply for a credit card is 21 years and the maximum age is 65 years old in case of self-employed and 60 years old in case of salaried employees.
  • Must be the citizen of India
  • Must be having a good credit score of 750, or above.
  • Must be having a stable job of 1 year

The documents required to apply for the IDFC Classic Credit Card are:

Both Self-employed and Salaried

  • Completed application form
  • Passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Self-employed- Income Proof

  • Income proof
  • Statement of accounts
  • Proof of business

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.