IDFC Credit Card Lifetime No-Fee ₹5Lakhs Limit. The IDFC FIRST Classic Credit Card, offered by IDFC First Bank, is a lifetime free card with big rewards and zero fees. It provides 10X reward points that never expire, allowing you to maximize your benefits. Enjoy interest-free ATM withdrawals and a range of perks across categories like entertainment and travel, all with no joining or annual fees. This card is designed to offer exceptional value and flexibility for cardholders.
Read below to know the complete process about IDFC Credit Card Lifetime No-Fee ₹5Lakhs Limit
Key Highlights of IDFC First Classic Credit Card
- 10X Rewards that never expire
- Interest-free ATM withdrawal (for 48 Days)
- Discounts on shopping, dining, and movies
- Gift vouchers worth Rs. 500 on joining
- Lifetime-free credit card.
Features and Benefits of IDFC First Classic Credit Card
| Welcome Joining Benefits | Welcome gift voucher worth Rs. 500 on spending over Rs. 15000 within the first 90 days after receiving your IDFC FIRST Classic Credit Card. Get a 5% cashback on your first EMI transaction up to Rs. 1000 (if done within 90 days after the card set-up date). |
| Reward Point Benefits | 3x Rewards Points for every offline spend of Rs. 150. 6x Rewards Points for every online spend of Rs. 150. 10x Reward Points for every Rs. 150 spent on purchases above Rs. 20,000. 10x reward points for every Rs. 150 spent on your birthday. Transactions like fuel purchases, EMI transactions, loan payments, and cash withdrawals are not eligible for reward points. The reward points you earn through your IDFC FIRST Classic Credit Card do not expire ever. |
| Travel Benefits | 16 complimentary Railway Lounge access every year (4 per quarter). also get complimentary roadside assistance worth Rs. 1399 four times a year. |
| Movies Benefits | 25% discount on movies (up to Rs. 100) once every month on the Paytm app. |
| Dining Benefits | discount of up to 20% on dining across over 1500 restaurants. |
| Insurance Benefits | A personal accident cover worth Rs. 2 lakhs is given to the cardholder. Coverage of Rs. 25000 is provided in case of a lost card. |
| Fuel Benefits | 1% fuel surcharge waiver across all fuel stations in India. The maximum surcharge waiver is capped at Rs. 200 per month. |
| Other Benefits | complimentary roadside assistance worth Rs. 1399 up to four times a year. Get a discount of up to 15% at more than 3000 Health & Wellness outlets. Get over 300+ partner merchant offers throughout the year. |
Limit for IDFC FIRST Classic Credit Card
The credit limit on the IDFC FIRST Credit Card is set by the bank based on several factors. IDFC First Bank considers the applicant’s credit score, history of paying off previous debts, and their credit utilization ratio to decide the card limit.
Eligibility Criteria for IDFC First Classic Credit Card
| Eligibility Criteria | Details |
|---|---|
| Age | Minimum age of 25 years |
| Income | Minimum monthly income of ₹25,000 |
| Employment Status | salaried individuals and self-employed professionals |
| Residence | Must be an Indian resident with proof of residence |
Documents Required for IDFC First Classic Credit Card
| Document Type | Required Documents |
| Identity Proof | Any one of the following: |
| Passport | |
| PAN Card | |
| Ration Card | |
| Aadhaar Card | |
| Voter’s ID Card | |
| Driving License | |
| Address Proof | Any one of the following: |
| Telephone Bill | |
| Ration Card | |
| Passport | |
| – Ration Card | |
| Rental Agreement | |
| Aadhaar Card |
Frequently Asked Questions on the IDFC Credit Card Lifetime No-Fee ₹5 lakhs Limit
Is there a joining/membership fee for IDFC FIRST Bank credit cards?
No joining or membership fee is applicable on any of the IDFC FIRST Bank credit cards.
What are the current offers available on IDFC FIRST Bank credit cards?
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers, & features.
Some of them are listed below and applicable according to the card variant available with you:
Lifestyle benefits: discounts on shopping, dining & movies, complimentary round of golf every month, etc Travel benefits: complimentary airport lounge access Other benefits: various online discounts on the app, discounts on health and wellness outlets, etc.
Is there an expiry date on the reward points accrued on my card?
No, the reward points earned on your IDFC FIRST Bank Credit Card do not have an expiry date
Follow the below steps to Apply
See the Screen Shot below to Apply step by step for IDFC Credit Card Lifetime No-Fee ₹5Lakhs Limit
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