IDFC FIRST Bank Classic Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC FIRST Bank Classic Credit Card

/assest/image/icons/cashback.svg Cashback
/assest/image/icons/entertainment.svg Entertainment
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹0* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Cashback Cashback
Entertainment Entertainment
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹0* + Tax

Renewal Fee: ₹0* + Tax

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

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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 ChargeAmount
Joining feeNil
Annual feeNil
Finance charges0.75% - 2.99% per month
Rewards redemption feeNil
Cash advance feeRs.250
Late payment fee15% of the total amount due (subjected to a minimum of Rs.100 and a maximum of Rs.1,000)
Over-limit chargesNil
Outstation cheque processing feeNil
Card replacement feeRs.100
Charge slip requestNil
Foreign currency markup3.5%
Fuel surcharge1% 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
     

Frequently Asked Questions

Everything you need to know about this credit card

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.

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