IDFC FIRST Classic Credit Card: The Wallet Wizard for Smart Spending

Tired of paying lump-sum annual fees only for a handful of benefits? Then apply for the IDFC FIRST Classic credit card to enjoy a world of privileges at no cost. Yes, you read that right!

With zero joining or annual fees, enjoy 25% off movie tickets, up to 20% savings on dining, and up to 15% off health and wellness expenses. And that’s not all! 

Scroll down to explore more of its features and find out why this card deserves to be in your wallet.

How to Use the IDFC FIRST Classic Credit Card for Reward Points?

IDFC FIRST Classic credit cardholders can use this card for various online and offline payments to earn up to 10X reward points. This includes rent, governmental and education-related expenses.

Here’s how it works: 

• 10X reward points on incremental spends above ₹20,000 per month. 
• 3X reward points on eligible spends till ₹20,000 per month. 
• 1X reward points on insurance, utility, railway spends, and FASTag recharges.    

Cardholders also earn bonus reward points for travel bookings made via the IDFC FIRST mobile app. Take a look: 

• 50X reward points on hotel booking via the IDFC FIRST mobile app. 
• 30X reward points on flight bookings via the IDFC FIRST mobile app.  

Note: 

1. Fuel expenses, cash withdrawals and balance transfers are excluded from the reward program. 
2. 1 Reward Point equates to ₹0.25. 

How to Redeem Reward Points Earned on the IDFC FIRST Classic Credit Card?

Cardholders can redeem the reward points earned on the IDFC FIRST Classic credit card for shopping, hotel reservations and flight bookings via the IDFC FIRST mobile banking app.  

A maximum of 70% of the total purchase can be redeemed using reward points. One can redeem up to 100,000 reward points per month and 200,000 points per year.

Terms and Conditions about IDFC FIRST Classic Credit Card Reward Program

• 1X means 1 reward point per ₹200, effective from 18th Jan’26.
• Transactions like rent, property management, education, government services and wallet top-up are ineligible for 10X reward points.
• Bonus reward points are credited on the 5th of the next calendar month.
• Bonus reward points are eligible on solely cash or credit card transactions; no ‘cash + points’ transactions are eligible for reward points.

What Are the IDFC FIRST Classic Credit Card Benefits?

IDFC FIRST Classic cardholders can enjoy over 300 merchant offers, complimentary access to railway lounges and exclusive entertainment discounts with every swipe. Take a look at all the key benefits: 

1. Welcome Benefit
   1. Receive a ₹500 gift voucher from brands like Amazon, Uber, Bigbasket and Lifestyle by spending ₹5000 within 30 days of card generation.  
   2. Get 5% cashback of up to ₹1000 on the first EMI transaction using the IDFC FIRST Classic credit card within the first 30 days of issuance. 

Note: Spends like UPI, wallet load, EMI conversions and cash withdrawal are not counted. Also, gold and jewellery spending do not qualify for EMI conversion. 

2. Travel and Insurance Benefit
   1. Spend a minimum of ₹20,000 in a statement cycle and get complimentary access to railway lounges (up to 4 times per quarter).
   2. Dial 1800 572 3860 to get free roadside assistance worth ₹1399 via Global Assure anywhere in India up to 4 times a year.
   3. Make at least 1 transaction in the last 30 days and get a personal accident cover of ₹200,000 and a lost card liability cover of ₹25,000.  

Note: Eligible users must swipe their cards on the DreamFolks PoS terminal and pay a ₹2 card validation fee to get complimentary lounge access. 

3. Lifestyle Benefit  
   1. Purchase movie tickets on the District by Zomato mobile app and get a 25% discount, up to ₹100 once a month. 
   2. Get up to 20% discount at over 1500 partnered restaurants.  
   3. Enjoy up to 15% discounts at 3000+ health and wellness outlets. 

Click here to explore all the offers from our partnered merchants. 

3 Additional IDFC FIRST Classic Credit Card Features 

Beyond rewards and redemptions, the IDFC FIRST Classic Credit Card offers several additional features designed to enhance convenience and financial flexibility:

1. Convert large digital transactions into easy EMIs effortlessly.
2. Get interest rates (APR) as low as 8.5% per year. 
3. Pay a cash withdrawal fee of ₹199 + applicable GST to withdraw cash without any interest for up to 45 days.

Does the IDFC FIRST Classic Credit Card Support UPI Transactions?  

IDFC FIRST Classic Credit Cardholders can access the UPI payment feature by applying separately for the RuPay variant for ₹199. All you have to do is:

1. Go to the official website and navigate to ‘Credit Cards’ > ‘RuPay Digital Card’. 
2. Click on ‘Apply Now’ and verify your registered mobile number with OTP. 
3. Fill in the virtual form and provide consent to activate UPI. 
4. Submit your application, and your IDFC FIRST Digital RuPay card will be generated instantly.  
5. Link your RuPay card to your preferred UPI partner to make UPI transactions and win rewards.

Note: The UPI payment feature is not available on the Visa or Mastercard variants of the IDFC FIRST Classic Credit Card.

Rewards on UPI transactions are: 

• 100% cashback up to ₹200 on the first transaction.
• 3X reward points on UPI payments of ₹2000 and above.
• 1X reward point on UPI spends below ₹2000.

IDFC FIRST Classic Credit Card Charges

The IDFC FIRST Classic credit card is a lifetime-free credit card with zero joining and annual fees. However, the card attracts several other charges: 

Fee Type	Amount + GST
Add-on card annual charges	₹499
Late Payment Charges	15% of the total amount due (minimum of ₹100 and a maximum of ₹1300)
Overlimit Charges	2.5% or ₹550 (whichever is higher)
Card Replacement Fee	₹199
Interest Rate	8.5% - 46.2% per annum
Forex Charges	3.5%

Who Can Apply for the IDFC FIRST Classic Credit Card?

The IDFC FIRST Classic credit card eligibility is available to all Indian citizens. However, they:

• Have an annual income of ₹3,00,000 or more.
• Must have a credit score of 750 and above.
• Have all the required documents, including PAN card, Aadhaar card, salary slips, or income tax returns for income proof.

Apply for the IDFC FIRST Classic Credit Card if you:

• Cost-conscious customers with an income of 3 LPA
• Have a monthly spend of ₹20,000 or more.
• Prefer a reward-rich card with a zero renewal fee. 

Which Credit Cards Should Be Paired with the IDFC FIRST Classic Credit Card? 

Existing IDFC FIRST Classic credit cardholders can only apply for co-branded cards. However, it will share the IDFC FIRST Classic credit card limit.

You may consider the following options to create a diverse credit portfolio:  

1. IndiGo IDFC FIRST Dual Credit Card: This card is ideal for frequent flyers who enjoy optimum travelling flexibility. 
2. IDFC FIRST Power/ Power+ Credit Cards: If you are a daily commuter, you can apply for these HPCL-powered cards for maximum fuel savings. 
3. IDFC FIRST LIC Select/ LIC Classic Credit Cards: Earn up to 10X rewards on essential payments like insurance premiums with these IDFC FIRST Bank and LIC co-branded cards. 

In addition to these, you can also apply for:

• Add-on Cards: You can apply for add-on cards for adult family members. Each add-on card costs ₹199 + GST. 
• Stories: Personalise your existing IDFC credit cards with your close-to-heart images with a nominal charge of ₹499 + GST.

💡Already have the IDFC FIRST Classic Credit Card? Connect it to the Pice app and pay your credit card payments in one tap!

Conclusion

The IDFC FIRST Classic credit card is a solid lifetime-free option for value seekers. With generous reward points, lifestyle discounts, travel perks, and low APRs, it suits everyday spending without fee pressure, making it an easy, long-term addition to your wallet.

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