FIRST Classic

The FIRST Classic Credit Card by IDFC FIRST Bank is a lifetime-free card designed to make everyday spending more rewarding. With zero joining and annual fees, it offers exceptional value through a tiered reward points system — earning 3X reward points on spends up to ₹20,000 per statement cycle and 10X reward points on incremental spends beyond ₹20,000, as well as on birthday purchases. Crucially, these reward points never expire, ensuring cardholders can redeem them at their own pace. New cardholders enjoy attractive welcome benefits, including a ₹500 gift voucher from popular brands like Amazon, Bigbasket, Uber, and Lifestyle upon spending ₹5,000 within the first 30 days, plus up to ₹1,000 cashback on their first EMI transaction. The card also features a 25% discount on movie tickets via District by Zomato, a 1% fuel surcharge waiver, complimentary railway lounge access four times per quarter, and over 300 merchant offers including discounts at restaurants and health and wellness outlets. Additional conveniences include instant EMI conversion, interest-free ATM cash withdrawals for up to 45 days, low interest rates starting at 8.5% per annum, personal accident cover of ₹2,00,000, lost card liability cover of ₹25,000, and complimentary 24/7 roadside assistance. This card is ideally suited for first-time credit card users and budget-conscious shoppers seeking meaningful rewards without any fee burden.