Important information regarding your FIRST Classic Credit Card from IDFC FIRST Bank

Dear Cardmember,

We are delighted to remind you that the overall proposition of your IDFC FIRST Bank Credit Card is simply the best in the market. This includes:

No Joining Fee
No Annual Fee
India’s first Credit Card with low and dynamic Interest Rates on revolving balances
No interest on ATM Cash Withdrawal till due date
No Cap on Reward Points earning
No Expiry of Reward Points
A unique proposition whereby you can pay for your next purchase using your Reward Points without being limited to any specific merchant or catalogue

However, we are making certain changes to the Reward Program on your FIRST Classic Credit Card.

Effective 17^th May 2022 for subsequent billing cycles, your accrual of 1X = 1 Reward Point per ₹100 will change to 1X = 1 Reward Point per ₹150. Minimum spends required in a billing cycle to unlock 10X Reward Points continues to be at ₹20,000. Your Reward Points will continue to have a value of ₹0.25 per Reward Point.

Effective 1^st Oct 2022, Reward redemption through any redemption channel will attract a small convenience charge of ₹99 (+ applicable taxes) per redemption transaction. Since you are an existing customer, you have adequate time to redeem your accumulated Reward Points without any redemption charges for redemptions done before 1^st Oct 2022.

The Reward Program for your FIRST Classic Credit Card will be revised as per the table below.

Particulars	Existing	Effective May 17, 2022
Reward Points earned for Offline Spends and Rental & Property management transactions	3X	3X
Reward Points earned for Online Spends excluding Rental & Property management transactions	6X	6X
Minimum spends required to unlock 10X Reward Points	₹20,000	₹20,000
1X Reward Point equals	1 Reward Point per ₹100 spends	1 Reward Point per ₹150 spends
Value of 1 Reward Point	₹0.25	₹0.25
Exclusions	Fuel and Insurance Spends, EMI Transactions, ATM Cash withdrawals are excluded from the Rewards Program. Rental and Property management transactions will not be considered for minimum spends required to unlock 10X Reward Points.	Fuel and Insurance Spends, EMI Transactions, ATM Cash withdrawals are excluded from the Rewards Program. Rental and Property management transactions will not be considered for minimum spends required to unlock 10X Reward Points.

We would like to reiterate that the Reward Points on your Credit Card are evergreen and never expire!

We thank you for your association with us and request you to continue using IDFC FIRST Bank Credit Card.

Always You First,
Team IDFC FIRST Bank

Important information regarding your FIRST Classic Credit Card from IDFC FIRST Bank

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Important information regarding your FIRST Classic Credit Card from IDFC FIRST Bank

Read more about Products and Services

Credit Card – Compare and Select

Instant Savings and Growth

Personal Loan – Quick help anytime!

Home Loan – Dream come true

Download IDFC FIRST Bank App

Read more about Products and
Services