IDFC FIRST Classic Credit Card
Verified · August 26, 2026
4.9/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
Overview
IDFC FIRST Classic Credit Card by IDFC FIRST Bank provides premium value tailored for Entry Level cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on birthday)
- • Accelerated Rewards: 10X Reward Points on monthly spends > ₹20,000 & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Welcome Benefit
Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days, plus 5% cashback up to ₹1,000 on first EMI order; Qualification Criteria: Spend ₹15,000 within 90 days of card issuance; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹20,000 (Monthly): 10X Reward Points on all incremental spends in the billing cycle; Annual Fee Waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
Redemption
- • Redeem points directly on partner merchants at ₹0.25 per point
- • Instant statement cash credit with no redemption fees
Benefits
- Domestic Airport Lounge: 4 per quarter at railway lounges across India via IDFC Railway Lounge Access (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹200 per month)
- 25% Movie Discount on Paytm: 25% discount on movie tickets up to ₹100 on Paytm Movies app (once a month). (Paytm Movies promo discount) [Partners: Paytm Movies]
- Complimentary Roadside Assistance: Complimentary Roadside Assistance worth ₹1,399 across India. (24x7 roadside breakdown service) [Partners: Allianz Global Assistance]
Things to Know Before you apply
IDFC FIRST Classic Credit Card Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹3,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Interest free ATM cash withdrawal up to 48 days (nominal ₹199 + GST transaction fee) |
Fee waiver: Lifetime Free card with ₹0 joining fee and ₹0 annual fee forever
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
IDFC FIRST Classic Credit Card issued by IDFC FIRST Bank is one of India's leading credit cards for Entry Level spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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Best Suited for
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Rewards
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Fee Details
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Joining Fee
Free
Annual/Renewal Fee
Free
Welcome Benefit
- • Gift voucher worth ₹500 on retail spends of ₹15,000 within first 90 days, plus 5% cashback up to ₹1,000 on first EMI order
- • Qualification Criteria: Spend ₹15,000 within 90 days of card issuance
- • Fulfillment Timeline: 30 days post criteria completion
- • Not shown among the official offer tiles
- • Zero joining fee and lifetime free privileges on approval
- • Qualification Criteria: Card activation
- • Fulfillment Timeline: Immediate
Reward/Cashback Rate
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on birthday)
- • Accelerated Rewards: 10X Reward Points on monthly spends > ₹20,000 & on birthday. Points never expire (1 pt = ₹0.25).
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Rewards - 10X Reward Points booster - scope: All online or offline, domestic and international transactions
- • Rewards - 10X Reward Points booster - price: ₹299 for 3 months
- • Rewards - 5X Reward Points booster - scope: All online or offline, domestic and international transactions
- • Rewards - 5X Reward Points booster - price: ₹199 for 3 months
- • Rewards - Cashback booster - categories: Groceries, Apparel and more
- • Rewards - Cashback booster - rate/price: Rate/price not shown on captured tile (detail popup not opened)
- • Rewards - "2% flat cashback" accelerator option: No matching offer tile found among the 7 captured
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Accelerated Rewards: Standard retail points without cap
- • Excluded Categories: Fuel
Pros
- • Base Rewards: 3X Reward Points per ₹150 (3X Reward Points on all offline spends up to ₹20,000 per month)
- • 6X Reward Points per ₹150 (6X Reward Points on all online purchases up to ₹20,000 per month)
- • 10X Reward Points per ₹150 (10X Reward Points on all monthly spends above ₹20,000 and on birthday)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Lifetime free — no joining or annual fee
- • Fully customisable feature packs starting at ₹49/quarter
- • Card liability and credit shield cover up to ₹1.5 Lakh each
- • Flexible OTT subscription add-ons
- • Base Rewards: 2 PAYBACK / ICICI Rewards Points per ₹100 (2 points per ₹100 spent on all retail transactions except fuel)
- • 1 Point per ₹100 (1 point per ₹100 on utility and insurance)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Base reward rate not clearly disclosed
- • Most valuable benefits require paying for add-on packs
- • Self-employed age eligibility (25–65) differs from salaried (21–60)
- • Several fee details (forex markup, cash advance) not itemized officially
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions