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1st Year Fee: ₹ 0
Rewards
Up to 10X reward points
Movies
25% discount on tickets
Lifetime free
No joining/annual fee
Author: Megha Khanna
Get 25% Discount on District Movies
Apply online for IDFC FIRST Classic Credit Card!
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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.


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).
| 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 |
You want a lifetime free credit card
You put maximum spends on your credit card
You have no specific brand preferences to make online/offline spends
Movies3.0/5
Rewards3.0/5
Welcome Benefits3.0/5
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.
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.
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.
Click here to know More Terms and Conditions
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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