Welcome Benefits :- 

• You get a welcome gift voucher worth ₹500 on spending over ₹5,000 within the first 30 days after receiving your IDFC FIRST Classic Credit Card.

• Get a 5% cashback on your first EMI transaction up to ₹1,000 (if it is made within 30 days of the card set-up date).

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Rewards & Benefits :- 

Movie & Dining

Get a 25% discount on movies (up to Rs. 100) on the Paytm app, once per month, and up to  20% discount on dining through your IDFC FIRST Classic Credit Card.

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Rewards Rate

3X Reward Points on every spend of ₹150. 10X Reward Points on each spend after reaching the monthly limit of ₹20,000

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Reward Redemption

1 Reward point = ₹0.25 for redemption. These reward points can be redeemed at the Poshvine reward portal or at exclusive merchant stores.

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Travel 

Get complimentary Railway lounge access 4 times in a calendar quarter. You also get complimentary roadside assistance worth Rs. 1399 4 times in a year

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

NA

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

1.99% 

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Interest Rates

Ranges between 0.75% to 3.5% per month based upon the credit history of the individual

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Fuel Surcharge

1% fuel surcharge waiver (up to Rs. 200 per statement cycle)

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Cash Advance Charges

Rs. 199 per transaction

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Product Details :- 

• 3x Reward Points on every ₹150 you spent.

• 10x Reward Points on every ₹150 you spend on purchases above ₹20,000.

• 10x Reward Points on every ₹150 spent on your birthday.

• The card comes with no joining/renewal fee.

• Welcome benefit of a gift voucher worth ₹500 and 5% cash back on the value of your first EMI transaction

• 25% discount on movie tickets on the Paytm app, up to ₹100, once per month.

• 4 complimentary railway lounge access every quarter.

• More than 300 partner merchant offers.

• Get free Road Side Assistance worth ₹1399

• Get personal accident cover worth ₹2 Lakhs and lost card liability cover worth ₹25,000

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