About IDFC FIRST Classic Credit Card
The IDFC FIRST Classic Credit Card is a lifetime free credit card that offers up to 10X rewards on your spends. It also comes with welcome vouchers worth ₹500 and benefits across categories like entertainment and lifestyle. As an entry-level credit card, it delivers returns of up to 2.5%, which is quite good for a no-fee card.
This card is best suited for users who want a zero annual fee option with decent rewards, lower interest rates, and useful everyday benefits.
Also Read: Best IDFC Credit Cards
With the IDFC FIRST Bank Classic Credit Card, you can activate UPI benefits by paying a one-time fee of ₹199. This allows you to use a digital UPI version of your existing RuPay credit card. You can earn 3X reward points on UPI transactions above ₹2,000 and also receive 100% cashback up to ₹200 on your first four UPI transactions (₹50 each).
IDFC FIRST Classic Credit Card Rewards Program
Rewards Program:
- 10X reward points on all spends above ₹20,000 per month
- 10X reward points on birthday spends
- 3X reward points on online/offline spends up to ₹20,000/month and UPI spends above ₹2,000
- 1X reward point on insurance, utility bills, and UPI spends below ₹2,000
- Reward rate: 1 RP per ₹150 spent | 1 RP = ₹0.25
- No expiry on reward points – unlimited and easy to redeem
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Activation Benefits
- Get a ₹500 gift voucher and 5% cashback (up to ₹1,000) on EMI transactions
Movies Benefits
- Enjoy 25% off (up to ₹100) on movie tickets via District by Zomato every month
Lounge Access Benefits
- Get 4 complimentary railway lounge visits per quarter on ₹20,000 monthly spend
Also Check: Best Entertainment Credit Cards
Fuel Benefits
- Get 1% fuel surcharge waiver up to ₹200 per month
Dining Benefits
- Enjoy up to 20% off at 1,500+ restaurants
Health Benefits
- Get up to 15% off at 3,000+ health and wellness outlets
Insurance Benefits
- Get personal accident cover of ₹2 lakh and lost card liability of ₹25,000
Assistance Benefits
- Get complimentary roadside assistance worth ₹1,399
Also Read: Best Credit Cards in India 2026
Fees and Charges
| Type of Charge | Amount |
|---|
| Joining fee | Nil |
| Annual fee | Nil |
| Finance charges | 0.75% - 2.99% per month |
| Rewards redemption fee | Nil |
| Cash advance fee | Rs.250 |
| Late payment fee | 15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000) |
| Over-limit charges | Nil |
| Outstation cheque processing fee | Nil |
| Card replacement fee | Rs.100 |
| Charge slip request | Nil |
| Foreign currency markup | 3.5% |
| Fuel surcharge | 1% of the transaction value |
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Document Required For IDFC FIRST Classic Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Classic Credit Card Highlights
What do we like about this card?
- Gift vouchers worth Rs. 500 on joining
- 5% cashback on first EMI transaction
- Lifetime-free credit card
- 6X reward points on online spends
- Low interest rates starting at 0.75% per month
Things to Know Before you apply
Get this card if:
- You want a lifetime free credit card
- You frequently use your credit card for most of your expenses
- You spend over ₹20,000 per month to maximize reward benefits
- You have no specific brand loyalty and make varied online/offline purchases
Pros
- Unlimited accelerated reward points that never expire
- Lifetime free credit card with joining benefits worth up to ₹1,500
- Up to 25% discount on movies, dining & health category spends
- Up to 2.5% return rate – impressive for an entry-level card
Cons
- Low reward point redemption value (1 point = ₹0.25)
- No international travel or airport lounge access benefits.
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
No, the reward points earned on the IDFC FIRST Classic Credit Card never expire.
You can generate or change your PIN through net banking, mobile banking, or by contacting IDFC FIRST Bank customer care.
Each reward point equals ₹0.25 (25 paise).
No, the IDFC FIRST Classic Credit Card is lifetime free with no joining, membership, or annual fees.
No, the reward points never expire and remain valid for a lifetime.
Yes, you can earn up to 10X reward points on online and offline spends. However, fuel purchases, EMIs, and cash withdrawals are not eligible.
Any transaction above ₹2,500 can be converted into EMI after purchase.
The card does not offer complimentary airport lounge access. However, it provides 4 complimentary railway lounge visits per quarter.
