Credit Cards · Honest Review
IDFC FIRST Classic Credit Card
IDFC FIRST Bank · Visa
Your Verdict
- ✓Lifetime free with zero joining or annual fee
- ✓Reward points never expire, redeemable anytime within validity
- ✓10X reward points on incremental monthly spends above 20,000 and birthday spends
- ✓4 complimentary railway lounge visits every quarter
- ✓25% off up to 100 on movie tickets monthly with active spends
What IDFC FIRST Classic Credit Card costs you
IDFC FIRST Classic Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Fee waiver condition | Lifetime free, no annual fee under any condition |
| Foreign transaction fee (forex markup) | 2.5% per transaction |
What you earn on every rupee spent
IDFC FIRST Classic Credit Card earns 0.75% on all eligible spends as a base reward rate, with accelerated rates on online shopping, dining & food and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.75% |
| 🛒 Online Shopping | 1.5% |
| 🍽️ Dining & Food | 0.75% |
Reward types: Points · Discounts
Beyond the reward rate
The non-reward benefits on IDFC FIRST Classic Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card requires a minimum net monthly income of ₹25,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹25,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time |
Minimum annual income of 3 lakh and a good credit score required.
Who should (and shouldn't) get IDFC FIRST Classic Credit Card
- → Heavy spenders on online shopping who want 1.5% back
- → Heavy spenders on dining & food who want 0.75% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
IDFC FIRST Classic Credit Card — Questions answered
Is IDFC FIRST Classic Credit Card free for life?
What is the minimum income required for IDFC FIRST Classic Credit Card?
What is the reward rate on IDFC FIRST Classic Credit Card for online shopping?
Does IDFC FIRST Classic Credit Card provide airport lounge access?
How long does it take to get IDFC FIRST Classic Credit Card approved?
Answer 7 questions about your income, spending, and goals — our engine scores every card against your exact situation and gives you one recommendation.
Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.