IDFC first classic credit card 2024: The IDFC first classic credit card offers a significant amount of cashback, coupons, deals and many more. The bank is also very reliable, and it has millions of customers. The IDFC first classic credit card is completely free of cost, and you don’t have to pay any joining fees and any annual charges. The card is free for a lifetime, and the reward points on the card are also for a lifetime. In this article, we will give the following details about the IDFC first classic credit card.
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Features of IDFC first classic credit card
In IDFC first classic credit card, one can earn the reward points by simply making payments through your credit card. For any offline price from the IDFC first classic credit card, you get a reward point equal to 3X. For any online payment, you get a reward point similar to 6X, which is quite impressive. And for the last, you can have a reward point equal to 10X for a transition made of 20,000 from the card. All the credit is forever. One point is equal to 0.25 rupee.
| Features | The IDFC first classic credit card offers a lot of features and benefits. The card has plenty of rewards which is used to provide on every payment made from it. You can get reward points starting from 3X to 10X. There are plenty of other coupons and deals which you can enjoy a lot. |
| Eligibility criteria | You need to be a citizen of India. It would help if you had a proper job and a regular monthly or annual income. Your age must have to be either equal to 21 or more than that. Although it can’t go through the maximum limit of 65 |
| Application process (Online/Offline) | The application process is straightforward and hassle-free. You have the option of choosing between an online or offline mode of operation. This offers a lot of flexibility, and the customers enjoy the benefits. |
| Documents Required | You need to have some documents which are pretty essential for your card approval. These documents relate to your identity, address, Income, and more like |
Welcome Benefit
- Welcome voucher worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.
- 5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
Eligibility criteria
There are some eligibility criteria that we must know if we have to get the IDFC first classic credit card. Without being eligible, no one can get a card. However, once you become eligible, you can claim all sorts of things from the card. It has a variety of features and rewards, which adds cheery to the cake.
Eligibility* : Annual income of ₹ 3 Lacs or more
The eligibility criteria are mentioned below:
- The applicant who wants to get the card must have to be an Indian. Otherwise he can’t be allowed to take the card.
- The applicant must have to have a regular source of income, so that he can repay the debt and it’s interest rate. However the interest rate is very low and if won’t even make its presence felt.
- Your age must have to be above or equal to 21. Although it can’t exceed the maximum limit which is set at 65 for self employed and 60 for salaried employees.
- You need to have a very good credit score and a good credit history. A credit score of 750 is often considered as good.
Application process (Online/Offline)
The application process to apply for the IDFC first classic credit card score is relatively easy and hassle-free. You can avail all the benefits of the card without having to do a lot of struggle. From form filling to form approval, the entire doesn’t seem to be any drag. Anyone can fill the application process if they are eligible for that. However, you can take the opinion and help of officials at the bank. You can also call them for some queries.
The steps to fill the application process is mentioned below:
#Step I – the applicant needs to go to the bank to apply for the card, or you can do that directly from its official website.
#Step II – now, you need to fill the application form and submit the details you asked for you.
Step III – you can now upload the scanned image of the required documents. Once the documents are uploaded, you can submit the application form as well as there isn’t any joining fee. You won’t have to pay anything for the whole process.
#Step IV – the documents approval and check will take some time, and you can expect the card to be delivered after a few days.
Documents required
The documents which everyone needs to carry with them if they want to get the card are mentioned below:
- The applicant needs to carry his identity proof like an Aadhaar card, passport, voter id card, etc.
- The applicant also needs to have his address proof like, aadhaar card, driving license, passport, etc.
- You need to show your income proof and the bank statement of the last few months. This is required for self employed and for salaried employees, you need to submit the recent salary slip.
- You need to have a pan card for a successful KYC.
Frequently asked questions
Yes, a late fine of 15% will be imposed on the applicant if they fail to pay the debt in time. However, the 15% is only the due amount.
Yes, the reward points will keep adding to your card. Its validity is for a lifetime, and you can cash out the rewards the moment you want without any charges.
IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month, travel benefits like complimentary airport lounge access And other benefits like in-app online discounts and discounts at health and wellness outlets.
You can generate your credit card PIN through NET Banking Pre login, login, Mobile Banking Apps, or customer care service.
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