With the IDFC FIRST Bank Classic credit card, you can activate UPI benefits at an additional fee of Rs. 199. Through this feature, you can get a digital UPI version of your existing IDFC FIRST Classic RuPay credit card. You can earn up to 3X rewards on UPI spends above Rs. 2,000 and 100% cashback up to Rs. 200 on the first four UPI transactions (Rs. 50 each).
IDFC FIRST
IDFC FIRST Classic Credit Card
Shopping
Reward Points
Rewards
Up to 10X reward points
Movies
25% discount on tickets
Lifetime free
No joining/annual fee
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About IDFC FIRST Classic Credit Card
The IDFC First Classic Credit Card is a lifetime free credit card offering up to 10X rewards on your spends. It also offers welcome gift vouchers worth Rs. 500 and some premium privileges across categories like entertainment, lifestyle, etc. As an entry-level credit card, it is offering up to 2.5% returns, which is pretty good. It is best suited for those who are seeking a zero annual fee credit card, satisfactory rewards, low-interest rates, and good benefits. Read on to know more about this card.
Note: This card is not available on Paisabazaar.com. The content on this page is for information only.
Rewards Program:
With IDFC FIRST Classic Credit Card you can earn 10x reward points1 on all spends above Rs. 20,000. Unlimited reward points can be accumulated under the IDFC FIRST rewards program.
- 10x reward points on all spends above Rs. 20,000
- 3x reward points on online & offline spends up to Rs. 20,000 per month and on UPI spends above Rs. 2,000
- 10x reward points on all spend done on birthday
- 1x reward point on insurance premium & utility bill payments and on UPI spends below Rs. 2,000
- 1x = 1 reward point per Rs. 150 spent | 1 reward point = Rs. 0.25
- The reward points accrued are never expiring, unlimited, and easy to redeem
Other Features & Benefits :
- Activation Benefits: Gift voucher worth Rs. 500 and 5% cashback up to Rs. 1,000 on EMI transactions.
- Movies: Monthly 25% discount (up to Rs. 100) on purchase of movie tickets via District by Zomato mobile app.
- Lounge Access: 4 complimentary railway lounge visits every quarter (subject to monthly spend of Rs. 20,000)
- Fuel: 1% fuel surcharge waiver up to Rs. 200 every month on fuel spends of Rs. 200 to Rs. 5,000
- Dining: Up to 20% off on dining at more than 1,500 restaurants
- Health: Up to 15% off at more than 3000+ health and wellness outlets
IDFC FIRST Classic: Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Finance Charges | 0.75% to 3.65% p.m. | 9% to 43.8% p.a. |
| Forex Markup Fee | 3.5% |
| Late Payment Fee | 15%, subject to min. Rs. 100 and max. Rs. 1,300 |
Things to Know Before you apply
Get this card if:
You want a lifetime free credit card
You put maximum spends on your credit card
You spend beyond Rs. 20,000 p.m to maximize the benefits
You have no specific brand preferences to make online/offline spends
Other Lifetime Free Cards:
Amazon Pay ICICI Credit Card
Federal Bank Scapia Credit Card
IDFC FIRST Millennia Credit Card
Paisabazaar Review
What do we like about this card?
The IDFC First Classic Credit Card is suitable for the needs of an individual who is seeking unlimited rewards on online as well as offline transactions. It is a good entry-level card for moderate spenders. You should consider getting this card if you wish to earn rewards with every transaction and enjoy discounts on movie ticket bookings. It also provides 4 complimentary railway lounge visits every quarter, which is good for frequent railway travelers.
Pros
- Unlimited accelerated reward points that never expire
- Lifetime free credit card with joining benefits worth up to Rs. 1,500
- Up to 25% discount offers on movies, dining & health category spends
- Up to 2.5% return rate which is good for an entry-level card
Cons
- Low reward point redemption value at 1 point = Rs. 0.25
- No international travel or airport lounge benefits
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card on the IDFC FIRST Bank website, or you can visit your nearest IDFC Bank branch.
IDFC First Classic Credit Card is a lifetime free card with no joining/membership/annual fee applicable.
The reward points accumulated on IDFC First Classic Credit Card never expire.
Yes, you can earn up to 10X reward points on online and offline spends. But some transactions are not eligible for reward points, such as fuel spends, EMIs, and cash withdrawals.
Transactions that are over Rs. 2,500 can be converted into EMI post-purchases.
No, IDFC First Classic Credit Card does not provide any complimentary access to airport lounges. However, the cardholder gets 4 complimentary Railway lounge visits every quarter.
Footnotes
- Reward points cannot be earned on fuel spends, EMI transactions, and cash withdrawals.
- Gift card on activation is offered on spending Rs. 15,000 within 90 days from the date of card activation.
- Cashback on EMI transaction is applicable on the 1st EMI transaction made within 90 days of card set-up.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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