IDFC FIRST Classic Credit Card
IDFC FIRST Bank · Points/miles card · Lifetime free
Fees & benefits
| Annual fee | Nil (lifetime free) |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | insurance, railways |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 10X on dining/travel/international/birthday | 1.25% | Uncapped | dining, travel |
| 3X on other spends | 0.38% | Uncapped | all eligible spend |
| 3X on RuPay companion UPI | 0.38% | Uncapped | via upi |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Lifetime-free entry card; 10X on dining/travel/international/birthday and incremental spend above Rs.20,000/month; never-expiring points (~Rs.0.25).
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the IDFC FIRST Classic Credit Card lifetime free?
Yes — the IDFC FIRST Classic Credit Card has no annual fee.
What is the highest reward rate on the IDFC FIRST Classic Credit Card?
1.25% — 10X on dining/travel/international/birthday. Effective value depends on monthly caps; see the caveats on this page.
Does the IDFC FIRST Classic Credit Card give airport lounge access?
No, the IDFC FIRST Classic Credit Card does not include airport lounge access.
Where the IDFC FIRST Classic Credit Card fits
Ranks in our: Credit cards for UPI spend (#5), Lifetime-free credit cards (#5).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.