MyFinCards
FIRST Classic

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

IDFC FIRST Bank
Rewards
Shopping
Lifestyle
Best For: First-time credit card users, Shoppers seeking reward points, Budget-conscious users wanting a free card with benefits

FIRST Classic

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

0

Pros

  • Lifetime free - zero joining and annual fee
  • Never-expiring reward points
  • 10X rewards on spends above ₹20,000 per statement cycle and on birthday
  • Complimentary railway lounge access 4 times per quarter
  • 1% fuel surcharge waiver
  • 25% off on movie tickets monthly
  • Interest-free cash withdrawals for up to 45 days
  • Personal accident and lost card liability cover
  • 300+ merchant offers

Cons

  • UPI activation requires ₹199 fee
  • Reward redemption attracts ₹99 (+GST) convenience charge per redemption
  • Railway lounge access requires ₹20,000 monthly spend (effective Feb 2025)
  • No rewards on fuel, EMI transactions and cash withdrawals
  • Cash withdrawal has one-time fee of ₹199 + GST

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Railway lounge access requires ₹20,000 spend in current calendar month effective Feb 2025

Rental, Government, Education, Wallet Load, Utility, Insurance, FASTag and Railway spends do not count towards 10X milestone

Reward redemption fee of ₹99 + GST per redemption

Welcome voucher requires ₹5,000 spend within 30 days

Key Benefits & Features

Complimentary roadside assistance worth ₹1,399, valid up to 4 times a year.

Eligibility Criteria

Min. Annual Income

₹3.0 Lakhs

Notable Exclusions

No reward points on Fuel transactionsNo reward points on EMI transactionsNo reward points on Cash withdrawalsUtility, Insurance, FASTag Recharges and Railway Spends earn only 1X reward points and do not count towards 10X milestoneRental & Property Management, Government Services, Education and Wallet Load transactions earn 3X reward points but do not count towards 10X milestoneWelcome gift voucher not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions and ATM cash withdrawalGold and jewellery transactions not eligible for EMI conversion

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About 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.

Expert Review

Our Verdict

Lifetime-free card with 10X never-expiring rewards, movie discounts & railway lounge access.

Frequently Asked QuestionsAbout FIRST Classic

FEESIs there a joining, membership, or annual fee on the IDFC FIRST Classic Credit Card?
No, there is no joining fee or annual fee on the IDFC FIRST Classic Credit Card. It is a lifetime-free card, ensuring cost-free ownership while enjoying a suite of valuable benefits. You can apply now and enjoy all the card's features without worrying about any recurring charges.
FEESWhat is the interest rate (APR) on the IDFC FIRST Classic Credit Card?
The Annual Percentage Rate (APR) on the IDFC FIRST Classic Credit Card starts from as low as 8.5% per annum and can go up to 46.2% per annum. The APR is the annualised interest rate that applies to your credit card usage and may vary based on your credit profile and repayment behavior.
ELIGIBILITYWhat are the eligibility requirements for the IDFC FIRST Classic Credit Card?
To be eligible for the IDFC FIRST Classic Credit Card, you must have an annual income of ₹3 lakhs (₹3,00,000) or more. This card is an attractive option for first-time credit card users. Additional eligibility criteria such as age and employment status may apply and will be assessed during the application process.
REWARDSHow do reward points work on the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card offers tiered reward points: 10X reward points on incremental spends above ₹20,000 per statement cycle and on your birthday, 3X reward points on spends up to ₹20,000 in a statement cycle, and 1X reward points on insurance premium payments and utility bill payments. Every 1 Reward Point equals ₹0.25 in value, with 1X meaning 1 reward point per ₹200 spent. Reward points never expire.
REWARDSDo reward points on the IDFC FIRST Classic Credit Card expire?
No, the reward points earned on the IDFC FIRST Classic Credit Card never expire. This is one of the standout features of the card — you can accumulate reward points over time without worrying about losing them. However, please note that reward redemption attracts a small convenience charge of ₹99 (+GST) per redemption.
REWARDSWhat transactions are excluded from earning reward points?
Reward points are not applicable on fuel, EMI transactions, and cash withdrawals. For 10X milestone counting, the following transactions are excluded: Rental & Property Management, Government Services, Education, Wallet Load, Utility, Insurance, FASTag Recharges, and Railway Spends. Utility, Insurance, FASTag Recharges, and Railway Spends earn only 1X reward points and do not count towards the 10X milestone.
USAGEWhat are the cash withdrawal terms for the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card offers 0% interest on cash withdrawals from domestic and international ATMs for up to 45 days. However, a one-time cash withdrawal fee of ₹199 + GST is applicable per transaction. No reward points are earned on cash withdrawal transactions.
BENEFITSWhat movie and entertainment benefits does the IDFC FIRST Classic Credit Card offer?
With the IDFC FIRST Classic Credit Card, you can enjoy a 25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app. This offer is valid once per month, giving you a regular discount on your movie outings throughout the year at no additional cost.
BENEFITSDoes the IDFC FIRST Classic Credit Card offer railway lounge access?
Yes, the IDFC FIRST Classic Credit Card provides complimentary railway lounge access 4 times per quarter. However, effective 20th February 2025, you need to spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. You can explore the list of eligible railway lounges on the IDFC FIRST Bank website.
BENEFITSWhat insurance covers are included with the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card comes with a personal accident cover of ₹2,00,000 and a lost card liability cover of ₹25,000. These covers are valid when you have made at least one transaction on your FIRST Classic Credit Card in the last 30 days. Additionally, complimentary roadside assistance worth ₹1,399 is available up to 4 times a year.
BENEFITSWhat is the fuel surcharge waiver on the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card offers a 1% fuel surcharge waiver of up to ₹200 per statement cycle at all fuel stations across India. This waiver is applicable on fuel transactions between ₹200 and ₹5,000. Note that no reward points are earned on fuel transactions.
BENEFITSWhat are the joining benefits on the IDFC FIRST Classic Credit Card?
New IDFC FIRST Classic Credit Card holders can enjoy two welcome benefits: a ₹500 gift voucher from popular brands like Amazon, Bigbasket, Uber, and Lifestyle upon spending ₹5,000 within 30 days of card generation, and up to ₹1,000 cashback (5% cashback) on the first EMI transaction made within the first 30 days of card generation. These offers are subject to specific terms and exclusions.
USAGECan I use the IDFC FIRST Classic Credit Card for UPI payments?
Yes, you can activate UPI on your IDFC FIRST Classic Credit Card by paying a fee of ₹199 + GST (Joining and Annual fee). Once activated, you can earn up to 3X reward points on UPI spends. As a limited period offer, you can also enjoy 100% cashback up to ₹200 (₹50 each on the first 4 UPI transactions) after UPI activation.
USAGEHow can I redeem my reward points on the IDFC FIRST Classic Credit Card?
You can redeem your reward points through the IDFC FIRST Bank Mobile App under the 'FIRST Rewards Gallery' section. Reward points can be redeemed for flights, hotel bookings, merchandise, and more. Please note that each redemption attracts a convenience charge of ₹99 (+GST). You can also earn bonus reward points — 33% extra on hotel bookings and 13% extra on flight bookings — via the Rewards Gallery.
APPLICATIONHow do I apply for the IDFC FIRST Classic Credit Card?
You can apply for the IDFC FIRST Classic Credit Card online through the IDFC FIRST Bank website by clicking the 'Apply Now' button on the card page. You will need to meet the minimum annual income requirement of ₹3 lakhs. The application process involves document verification, and you can manage your card seamlessly through the IDFC FIRST Bank Mobile App once approved.

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