IDFC FIRST Classic Credit Card | LTF Card | Details & Review

IDFC FIRST Classic Credit Card

IDFC FIRST Classic Credit Card

This article is a quadfurcation of the parent article IDFC Bank First Credit Cards Series. In this piece, we outlay the details pertaining to 
IDFC FIRST Classic CardFor other variants:

This entry-level credit card for moderate spenders, FIRST Classic, offers similar benefits and privileges to that of IDFC FIRST Millennia Card. It has just one add-on that it has packed a Road Side Assistance worth INR 1399. Details below:

    Welcome Benefits

    • Gift Vouchers worth INR 500 on spending INR 15,000 within 90 days of card set-up.
    • Get 5% cashback on the first EMI transaction performed within 90 days of card set-up.

    Reward Points

    • 10X Reward Points on all Spends above INR 20,000.
    • 10X Rewards on all spends done on your Birthday.
    • 6X Reward Points on Online Spends.
    • 3X Reward Points on all Offline Spends.
    • 1 RP = 0.25 INR.
    • No RP is accrued for Fuel, EMI, Insurance transactions, and Cash Withdrawals.
    • No expiry of RPs.

    Interest-Free Cash Withdrawl

    • Interest-free cash withdrawal from ATMs for up to 48 days.
    • A cash withdrawal fee of INR 250 + Taxes is applicable.

    Entertainment & Dining

    • Get a 25% discount up to Rs 100 to purchase movie tickets on the Paytm Mobile App. The offer can be availed once a month.
    • Upto 20% discount on 1500+ restaurants across India & 15% discount on 3000+ Health & Wellness Outlets.

    Railway Lounge Access

    • Quadfurcated to 1 lounge visit per quarter.
    • INR 2 will be charged from the cardholder’s account to validate the card for complimentary lounge access.
    • As of today, Executive Railway Lounge at Delhi, Jaipur, Agra, Ahmedabad, Madhurai, and Kolkata are covered under this program.

    Fuel Surcharge Waiver

    • Get fuel surcharge waived at all fuel stations across the country.
    • Fuel surcharge capped at INR 200 per month.

    Protection Shield

    • Personal Accident Cover worth INR 2 Lakh.
    • Personal Accident Cover is applicable only if you carry out at least 1 transaction in the previous month.
    • Complimentary lost card liability cover of INR 25,000.
    • Click here for RSA Terms & Conditions.

    Fee & Other Charges

    • Joining & Annual fee: NIL.
    • NIL Overlimit fees.
    • NIL Addon charges.
    • Credit Card Interest Rate – from 0.75% to 2.99% per month.
    • NIL Reward redemption fees.
    • FX Markup – 3.5%.
    • Late Payment Fee – 15% of Total Amount Due (subject to Min Rs 100 and Max up to Rs 1,000).

    CP's Take

    We are not sure why IDFC launched the FIRST Classic Card because we see no difference between this credit card and FIRST Millennia Credit Card except that the former offers an additional Road Side Assistance. Because both the cards are identical, rewriting the same stuff again doesn't make any sense. Hence, you might want to click here to read the bottom line.

    Thanks for reading!
    IDFC FIRST Classic Credit Card | LTF Card | Details & Review IDFC FIRST Classic Credit Card | LTF Card | Details & Review Reviewed by Rahmat on February 16, 2021 Rating: 5

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