The IDFC FIRST Classic Credit Card is one of the entry-level credit cards offered by IDFC FIRST Bank, known for its lifetime free feature — meaning no joining fee or annual fee. It’s designed for individuals who want basic credit card benefits along with rewards and offers across shopping, dining, and entertainment.
🔑 Key Features of IDFC FIRST Classic Credit Card
✅ Lifetime Free — No joining fee or renewal fee ever.
✅ Welcome Benefits — Includes ₹500 worth gift vouchers and BOGO (Buy One Get One) movie tickets.
✅ Reward Points —
- 6X reward points on online spending.
- 3X reward points on offline spending.
- 10X reward points on spends above ₹20,000 per month.
- 10X rewards on your birthday.
✅ Interest-Free Credit Period — Up to 48 days.
✅ Low Interest Rate — Interest rate starts as low as 0.75% per month (9% per annum), which is much lower than many other cards.
✅ Fuel Surcharge Waiver — 1% fuel surcharge waiver across all petrol pumps in India.
✅ Airport Lounge Access — 4 Complimentary Railway Lounge accesses per quarter. (Note: No complimentary airport lounge access with Classic variant — that’s available with the Select, Wealth & Millennia variants.)
✅ Other Benefits
- Discounts on dining, health, and wellness.
- Personal Accident Insurance Cover.
- Roadside assistance.
⚙️ Eligibility (Indicative)
- Minimum age: 21 years.
- Minimum income: ₹3 lakh per annum (subject to bank discretion).
- Indian resident.
🧾 Fees & Charges
| Charge Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Interest Rate | 0.75% to 3.5% per month |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | ₹199 per withdrawal |
🎁 Is it worth it?
If you’re looking for a no-cost, beginner-friendly card with decent rewards and useful benefits like low-interest rates, railway lounge access, and discounts on dining & movies, IDFC FIRST Classic Credit Card can be a solid pick.
