Sireesha komati 
Introduction :
Selecting the best credit card in the constantly changing financial services industry requires careful consideration of all of its features, benefits, requirements for eligibility, fees, and required paperwork. We explore the subtleties of the IDFC First Classic Credit Card in this extensive guide, illuminating what sets it apart in the crowded field of credit offerings.
Features :
- On the Paytm mobile app, get a 25% discount on movie tickets up to ₹100 (valid once per month).
- Four complimentary trips to the railway lounge each quarter
- Free Roadside Assistance valued at ₹1,399
- Up to ₹200 per month, all fuel stations in India will waive the 1% fuel surcharge.(*On transactions valued between ₹200 and ₹5000 only.)
- 300+ merchant deals available year-round! | Up to 15% off at 3000+ health and wellness stores | Up to 20% off at 1500+ restaurants
- ₹2,00,000* for personal accident coverage and ₹25,000 for lost card liability coverage(*Valid for at least one FIRST Classic Credit Card transaction made within the previous thirty days.)
Eligibility Criteria :
- Annual income of ₹ 3 Lacs or more
How to apply :
Apply through our website www.quickpolicy.in/idfc
Reward points :
- 10X Reward Points are awarded for additional purchases made on your birthday and for amounts over ₹20,000 each month.
- Up to ₹20,000 in monthly spend can earn 6X and 3X Reward Points on online and offline purchases, respectively.
- Points for rewards that never run out
- To quickly pay for purchases made online or in-store, use your reward points.
Benefits :
- Free credit card for life time
- Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app
- Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
- Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
- After 30 days of the card’s creation, spend ₹ 5000 or more to receive a welcome voucher* worth ₹ 500.
- *When spending ₹ 15,000 or more within 90 days of the card’s creation, welcome vouchers worth ₹ 500 will be given for cards issued before October 9th, 23.
- 5% cashback on the first EMI transaction amount made within 30 days of card creation, up to ₹1000.
Documents Required :
1. Identity Proof: Valid government-issued ID card.
2. Address Proof: Utility bills or any document verifying the applicant’s address.
3. Income Proof: Salary slips, income tax returns, or other documents validating financial capacity.
Charges :
1. Annual fee – nil
2. (APR)Low Interest Rates – 0.75% to 3.5% per month (9% to 42% per annum)
3. Domestic and International ATMs cash withdrawals – Interest free for a maximum of 48 days
4. over-limit Charges – 2.5% of the over-limit amount( subject to a minimum charge of ₹500)
5. Late Payment Fee – 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
6. Forex Markup – 3.5% (for all international transactions)
7. Cash Advance Fee – ₹199 + GST per transaction
Conclusion :
To sum up, when it comes to credit offerings, the IDFC First Classic Credit Card is a strong option. This credit card meets the varied needs of the contemporary consumer with its cutting-edge features and plethora of benefits. Comprehending the eligibility requirements, related fees, and necessary paperwork guarantees a seamless application procedure, giving the cardholder complete control over financial convenience.
