IDFC First Classic Credit Card Review: Features and Benefits

If you're looking for a credit card that offers a perfect blend of lifestyle benefits, travel perks, and rewarding features, the IDFC First Classic Credit Card could be a great choice. In this review, we'll explore everything from joining benefits to exclusive features, and help you determine if this card is the right fit for you.

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Basic Details:

• Joining/Annual Fee: Lifetime Free
• Eligibility: Annual income of ₹3 lakhs or more

Joining Benefits:

Upon signing up for the IDFC First Classic Credit Card, you can enjoy some amazing welcome benefits:

1. ₹500 Gift Voucher: Choose from top brands like Amazon, BigBasket, and Uber when you spend ₹5,000 within the first 30 days of card issuance.
2. Up to ₹1,000 Cashback on First EMI: Enjoy 5% cashback (up to ₹1,000) on your first EMI transaction within 30 days.

Lifestyle Benefits:

This card is designed to enhance your everyday life with its lifestyle-focused features:

1. Movie Discounts: Get a 25% discount on movie tickets (up to ₹100) via the District by Zomato app, valid once per month.
2. 1% Fuel Surcharge Waiver: Save up to ₹200 per billing cycle on transactions between ₹200 and ₹5,000.
3. Merchant Offers: Enjoy up to 20% off at 1,500+ restaurants and 15% off at 3,000+ health and wellness outlets.

Travel Perks:

For travel enthusiasts, this card offers great perks:

• Complimentary Railway Lounge Access: Four complimentary visits per quarter. (Check the lounge list for availability)

Comprehensive Insurance:

The IDFC First Classic Credit Card ensures you're well-protected with its insurance features:

1. Personal Accident Cover: ₹2,00,000
2. Lost Card Liability: ₹25,000
3. Credit Shield: ₹50,000
4. Purchase Protection: ₹25,000
5. Zero Card Liability: Covers online fraud, phishing, skimming, and lost card misuse.

Exclusive Features:

Here are some standout features of this card:

1. Roadside Assistance: Complimentary service worth ₹1,399, valid 4 times a year.
2. Instant EMI Conversion: Available for transactions above ₹2,500.
3. Interest-Free Cash Withdrawals: From ATMs for up to 45 days, with a one-time withdrawal fee of ₹199 + GST.
4. Low Interest Rate: Starting at 0.75% per month.

Reward Program:

IDFC First Classic Credit Card rewards its users for spending in various categories:

• 10X Reward Points:
  • Earn on incremental spends above ₹20,000.
  • Below ₹20,000, earn 1X points.
  • Redemption Value: 1 point = ₹0.25 (with a redemption charge of ₹99 + GST).
  • Excludes fuel, EMI, and cash withdrawal transactions.
• 3X Reward Points: Earn on rental payments, property management, government services, education, and wallet loads.
• 1X Reward Points: Earn on all other transactions except insurance, utility payments, and those excluded from the 10X milestone.

UPI Features:

The card also offers convenient UPI features:

• Activate UPI for just ₹199.
• Joining Fee Offer: Get 100% cashback up to ₹200 on the first 4 UPI transactions.
• Rewards on UPI Spends:
  • 3X Rewards on spends above ₹2,000.
  • 1X Rewards on spends below ₹2,000.
  • 1X Rewards on all utility and insurance payments.

Why Choose IDFC First Classic Credit Card?

Here’s why the IDFC First Classic Credit Card stands out:

• Lifetime Free: Enjoy the benefits without worrying about annual fees.
• Tailored Rewards: Earn rewards that cater to your lifestyle, travel, and everyday expenses.
• Convenience: Instant EMI conversion, interest-free cash withdrawals, and a range of value-added services make this card a highly convenient choice for your financial needs.

Final Thoughts:

Whether you’re a frequent traveler, movie buff, or someone who enjoys shopping and dining out, the IDFC First Classic Credit Card offers great value. Its lifetime-free membership, combined with lifestyle, travel, and financial protection benefits, makes it a solid option for those who want a versatile credit card without the burden of annual fees.

If you're ready to experience a card that adapts to your needs, the IDFC First Classic Credit Card is worth considering.