IDFC FIRST Classic Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
10 Reward Points per ₹200 on dining, travel & international spends; 3 points per ₹200 on other spends; 1 point per ₹200 on insurance, utilities, railways, FASTag & UPI (up to ₹2,000)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
4 Railway/Qtr (₹20K Spend), No Airport Lounge
FindMyCard Expert Take
The IDFC FIRST Classic Credit Card from IDFC FIRST Bank offers 10X Birthday Rewards & Zero Annual Fee with an annual fee of Lifetime Free (₹0).
Pros & Cons
Key Advantages
- 10 Reward Points per ₹200 on dining, travel & international spends
- Up to 20% dining discount at 1,500+ partner restaurants
- 4 railway lounge visits per quarter on ₹20,000 monthly spend
- Fee waiver threshold (Lifetime free credit card)
Limitations
- No airport lounge access, only railway lounges
- Insurance, utilities, FASTag & UPI spends are capped at ₹2,000 for rewards
- Base rate on other spends is just 3 points per ₹200
Editorial Verdict
The IDFC FIRST Classic Credit Card is ideally suited for 10x birthday rewards & zero annual fee. If you want 10 reward points per ₹200 on dining, travel & international spends; 3 points per ₹200 on other spends; 1 point per ₹200 on insurance, utilities, railways, fastag & upi (up to ₹2,000), this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Lifetime free credit card
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Lifetime free credit card
Regular Interest Charges
3.5% per month (42% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare IDFC FIRST Classic Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Classic Credit Card This Card | Free | 10 Reward Points per ₹200 on dining, travel & international... | 4 Railway/Qtr (₹20K Spend), No Airport Lounge | 4.3/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |