Features & Benefits
Welcome Benefit
- Get welcome voucher of 500 by spending 15000 within 90 days .
Reward Points
- 3X Reward points on offline per 150 spend (0.5%)
- 6X Reward points on Online purchase per 150 spend (1%)
- 10X Reward points on incremental purchases above 20,000 and on birthday per 150 spend (1.66%).
- Rental and Property management transactions will earn 3XRP & will not be used to calculate 10X reward threshold.
- No RP for fuel, insurance, cash withdrawals
- 1RP is 25 paise
- Reward redemption fees of 99+GST is applicable.
Fuel Surcharge Waiver
- Enjoy fuel surcharge waiver of 1% upto 200/month.
Railway Lounge Access
- 4 Complimentary Domestic Railway Lounge Access per quarter. Click here for details.
Forex
- Enjoy forex markup fees of 3.5%
Travel and Air Insurance
- Personal Accidental Death cover of 2 Lakh
- Complimentary Roadside Assistance worth Rs 1399
Movie Offer
- Enjoy 25% discount on Movie tickets upto 100 from Paytm Movies twice per month.
Fee
- No Annual /Joining Fee
- Card also offers low interest rate startting from 0.75 - 3.5% per month (9-42% per annum)
Verdict
IDFC Classic is a lifetime free credit card with limited benfits. It's downgraded variant of IDFC Select. It also comes with reasonable markup fees. Better to consider IDFC Wealth as it gives better reward rate and benefits. Base reward 0.5% & accelerated rewards of 1.6% is poor.
Comments
Post a Comment