IDFC FIRST Classic Credit Card
by IDFC FIRST Bank · Data verified 2 days ago
Lifetime free card with up to 10X rewards on select categories and never-expiring reward points.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- Completely lifetime free with zero joining and zero annual fees
- 10X Reward Points on incremental monthly spends above ₹20,000 and during your birthday month
- Never-expiring reward points with seamless redemption options
- 4 complimentary railway lounge visits per calendar quarter
- 25% discount up to ₹100 on movie tickets once a month via Paytm app
- Low dynamic APR starting from 0.75% per month (9% p.a.) based on credit profile
- Interest-free ATM cash withdrawals for up to 48 days
Things to Consider
- No complimentary domestic or international airport lounge access
- Base reward earn rate of 3X points per ₹150 (~0.50% return) on everyday general spends
- Standard foreign currency markup of 3.50% + GST
- ₹99 + GST reward points redemption fee per request
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Dining, Travel, International, Birthday | — | |
| Eligible general spends | — | |
| Utility, Insurance, Railway, FASTag | — |
Fuel Savings
₹200/mo
Lost Card Cover
₹0
Movies
- •25% discount on movie tickets up to ₹100 once a month on the Paytm app upon meeting active spend condition
Dining
- •Reward points/cashback earned on dining transactions
Shopping
- •10X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •4 complimentary railway lounge visits per quarter across select Indian railway stations (on ₹20,000 monthly spend)
- •1% fuel surcharge waiver up to ₹200/month on transactions between ₹200 and ₹5,000
- •Complimentary 24x7 Roadside Assistance (RSA) worth ₹1,399
- •Personal Accident Cover of ₹2,00,000 and Lost Card Liability Cover of ₹25,000
Special Offers & Features
- •Lifetime Free credit card with zero joining and annual fees
- •10X Reward Points on incremental monthly spends above ₹20,000 and on birthday spends
- •6X Reward Points on online purchases and 3X on offline purchases (1 RP = ₹0.25)
- •Reward points never expire across all transactions
- •Interest-free cash withdrawal from ATMs across India for up to 48 days
- •25% discount on movie tickets up to ₹100 once a month via Paytm Movies
- •4 complimentary railway lounge visits per quarter on ₹20,000 monthly spends
- •1% fuel surcharge waiver up to ₹200 per month across all fuel stations
- •Complimentary Roadside Assistance (RSA) worth ₹1,399 across India
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure: 3, 6, 9, 12 months
- •Interest rate: 12-22% p.a.
Card Features
CardSahayak Score
"Apply Now" takes you to IDFC FIRST Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on IDFC FIRST Classic Credit Card
MakeMyTrip
Fly across India with IDFC FIRST Bank Credit Cards. Enjoy a flat 10% instant discount up to ₹1,500 on all domestic flights on MakeMyTrip.
Step 2: Search for domestic flights with ticket value ₹5,000 or more.
Step 3: Enter promo code IDFCMMT on checkout.
Step 4: Pay using IDFC FIRST Bank Credit Card to get up to ₹1,500 instant discount.
Valid on domestic flight bookings across India. Minimum transaction value of ₹5,000 is required. Maximum discount capped at ₹1,500 per booking. Valid once per cardholder per calendar month.
Swiggy
Delight in food savings with IDFC FIRST Bank Credit Cards on Swiggy. Get flat ₹100 off on food orders of ₹499 and above.
Step 2: Enter promo code IDFC100 on payment page.
Step 3: Pay with IDFC FIRST Bank Credit Card.
Step 4: Receive flat ₹100 instant discount on your order.
Minimum order value of ₹499 excluding taxes and packaging. Valid twice per cardholder per month. Applicable on food delivery orders only.
BookMyShow
Experience movie entertainment with IDFC FIRST Bank Credit Cards on BookMyShow. Enjoy Buy 1 Get 1 free movie ticket up to ₹250.
Step 2: Click on Unlock Offers at checkout.
Step 3: Choose IDFC FIRST Bank Credit Card Offer.
Step 4: Receive second ticket free up to ₹250.
Valid on booking 2 or more tickets. Maximum discount of ₹250 on second ticket. Quota refreshed daily. Available on all active IDFC FIRST Bank consumer credit cards.
Frequently Asked Questions
Everything you need to know about IDFC FIRST Classic Credit Card
- • Min age: 18 years
- • Salaried: ₹25,000/month min
- • Self-employed: ₹25,000/month min
- • CIBIL: 700+ recommended
- • Instant: Pre-approved IDFC FIRST Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for IDFC FIRST Classic Credit Card today and unlock amazing rewards and premium experiences.
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