IDFC FIRST Bank

IDFC FIRST Bank Classic Credit Card

Cashback

Entertainment

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Cashback

Entertainment

Reward Points

MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

Cashback

Limited-time offer: Get 100% cashback up to ₹200 (₹50 on first 4 UPI transactions).

Entertainment

25% discount on Movie tickets

Reward Points

Up to 10X never expiring Reward Points

Welcome benefits:- Gift voucher worth Rs. 500 and 5% cashback up to Rs. 1,000 on EMI transactions.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC FIRST Bank Classic Credit Card

The IDFC FIRST Classic Credit Card is a lifetime free card that offers up to 10X reward points on your monthly spends. It comes with welcome gift vouchers worth ₹500 and provides premium benefits across entertainment, lifestyle, and travel categories. With potential returns of up to 2.5%, it’s a great entry-level card for those looking for a zero annual fee option with decent rewards, low interest rates, and value-added features.

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 Bank 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

Other Features and Benefits

Activation Benefits: ₹500 gift voucher + 5% cashback (up to ₹1,000) on first EMI transaction
Movies: 25% off (up to ₹100/month) on movie tickets via District by Zomato app
Lounge Access: 4 complimentary railway lounge visits/quarter (on ₹20,000 monthly spend)
Fuel: 1% surcharge waiver (up to ₹200/month on ₹200–₹5,000 fuel spends)
Dining: Up to 20% off at 1,500+ partner restaurants
Health & Wellness: Up to 15% off at 3,000+ outlets
Insurance: ₹2 lakh personal accident cover + ₹25,000 lost card liability
Assistance: Free roadside assistance worth ₹1,399

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

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

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For IDFC FIRST Bank 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

IDFC FIRST Bank Classic Credit Card Hilights

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

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