IDFC FIRST Classic Credit Card benefits
- No joining fee and no annual fee
- 10X Reward Points on dining, travel, international spends and birthday spends
- 3X Reward Points on other eligible spends
- Zero forex markup on international spends
- 25% off movie tickets, up to ₹100 a month, if you made a transaction in the previous month
- 4 railway lounge visits per quarter, based on spends
IDFC FIRST Classic Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery10X. Dining, including food delivery. | 5 points per ₹100 | None |
| Travel10X. Railway spends earn only 1X. | 5 points per ₹100 | None |
| Bills and utilitiesA lower rate, 1X, on utility bills. Insurance premiums, railway spends and FASTag recharges also earn 1X. | 0.5 points per ₹100 | None |
| Everything else | 1.5 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, EMI transactions, cash withdrawals, and card fees and charges.
All reward rules
- 1X means 1 Reward Point per ₹200 spent. So 10X is 5 points per ₹100, 3X is 1.5 points per ₹100 and 1X is 0.5 points per ₹100. One point is worth ₹0.25.
- International purchases and spends on your birthday also earn 10X, or 5 points per ₹100.
- Rent and property management, government services, education and wallet loads do not earn 10X.
- Reward Points are valid for 24 months from the date they are credited. Each redemption costs ₹99 plus GST.
- Points are earned only on spends up to your credit limit in each billing cycle.
- Hotel and flight bookings in the FIRST Rewards Gallery on the bank's app earn 20% and 10% bonus points on top. Bonus points are limited to 8,000 in a calendar month.
- 4 complimentary railway lounge visits per quarter. To use them, spend ₹20,000 in a calendar month for access in the next month.
IDFC FIRST Classic Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 0%
Lifetime free. There is no forex markup if you pay in the local currency; if you choose rupees abroad, the merchant may add its own charge. An optional virtual RuPay card for UPI costs ₹199 plus GST to join and each year from the second year.
Fuel surcharge: 1% waiver on fuel transactions between ₹200 and ₹5,000, up to ₹200 per statement cycle.
IDFC FIRST Classic Credit Card eligibility
- Age
- 21 or above
- Salaried income
- ₹3,00,000 a year
You must be an Indian citizen. The bank says the exact income criteria may differ for salaried and self-employed people. It also looks at your credit score and decides each application.
The bank alone decides approval and your credit limit.
IDFC FIRST Classic Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Frequently asked questions
What is the annual fee of the IDFC FIRST Classic Credit Card?
There is no joining fee and no annual fee. The card is lifetime free.
Is the IDFC FIRST Classic Credit Card lifetime free?
Yes. The bank lists the joining fee and annual fee as nil, and there is no spend condition.
What is the eligibility for the IDFC FIRST Classic Credit Card?
You must be at least 21 years old, an Indian citizen and have an income of ₹3 lakh a year or more. The bank says the exact criteria may differ for salaried and self-employed people, and it decides each application.
How many reward points does the IDFC FIRST Classic Credit Card give?
1X means 1 point per ₹200, and one point is worth ₹0.25. You earn 10X on dining, travel, international spends and birthday spends, 3X on other eligible spends and 1X on utilities, insurance, railways and FASTag. Fuel, EMI transactions and cash withdrawals earn nothing.
Do reward points expire on the IDFC FIRST Classic Credit Card?
Yes. Reward Points are valid for 24 months from the date they are credited. Points are earned only on spends up to your credit limit in each billing cycle.
Does the IDFC FIRST Classic Credit Card give airport lounge access?
The bank lists railway lounge access, not airport lounge access. You get up to 4 railway lounge visits per quarter if you spend ₹20,000 in a calendar month, for use in the next month.
Is there a fuel surcharge waiver on the IDFC FIRST Classic Credit Card?
Yes. You get a 1% waiver on fuel transactions between ₹200 and ₹5,000, up to ₹200 per statement cycle. Fuel spends earn no reward points.