IDFC FIRST Classic Credit Card

Card Details

IDFC FIRST Classic Credit Card
Issuer
IDFC FIRST Bank
Card type
Entry Level
Joining fee
Lifetime Free
Annual fee
Lifetime Free
Rewards currency
Reward Points

Highlights

  • Lifetime Free – Zero Joining & Annual Fee
  • 10X RPs/₹200 on spends above ₹20,000
  • Railway Lounge Access
  • 25% off on movies

Welcome, annual & renewal benefits

  • Joining/Annual Fee: Lifetime Free (₹0).
  • Welcome Benefit: Gift voucher worth ₹500 on spending ₹5,000 within 30 days.
  • 5% cashback on first EMI transaction up to ₹1,000 within 30 days.

Reward earning

Spend typeEarn rate
Spends above ₹20,000/month10 Reward Points / ₹200
Spends up to ₹20,000/month3 Reward Points / ₹200
Utility & Insurance1 Reward Point / ₹200
  • 1 Reward Point = ₹0.25.
  • No RPs on fuel, EMI, cash withdrawals.

Additional Benefits

  • Railway Lounge: 4 visits/quarter (on ₹20K monthly spend).
  • 25% off movies on District app (up to ₹100/month).
  • 1% fuel surcharge waiver (max ₹200/cycle).
  • No airport lounge access.

Review

This is a Entry level card from IDFC bank. Would recommend to got for Select version of the card as it has slightly more features.