rewards
IDFC FIRST Classic Credit Card
An entry-level lifetime-free rewards card with 10X rewards on dining, travel and international purchases.
Annual Fee
Lifetime Free — NIL joining and annual fee
Rewards
10X on dining, travel, international and birthday spends; 3X on other eligible spends; 1X on utilities, insurance, railway and FASTag; 1X = 1 RP/₹200
Lounge Access
Up to 4 railway lounge visits/quarter after ₹20,000 spend in the preceding calendar month
Fuel Waiver
1%
Milestone
No annual fee milestone
Best For
Entry-level users wanting lifetime-free rewards and railway lounge access
Welcome Offer
Up to ₹1,500 — ₹500 voucher on ₹5,000 spend within 30 days + 5% first-EMI cashback up to ₹1,000
Type
Rewards
Description
The FIRST Classic is a lifetime-free rewards card. Effective 18 June 2026, it earns 10X reward points from the first eligible transaction on dining, travel, international purchases and birthday spends, rather than requiring the old ₹20,000 monthly threshold. Other eligible purchases earn 3X, while utilities, insurance, railway and FASTag earn 1X. One X equals 1 reward point per ₹200 and each point is worth ₹0.25. The card also provides up to four railway lounge visits per quarter after ₹20,000 spend in the preceding month and a 1% fuel surcharge waiver.
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