IDFC FIRST Classic Credit Card
IDFC FIRST Bank · Visa · Entry card
A lifetime-free card with zero forex markup, useful everyday privileges and a transparent conservative reward valuation.
First-time credit card applicants seeking zero liability and non-expiring rewards.
Terms checked 13 Sept 2026
- Annual fee
- Lifetime free
- Joining fee
- ₹0
- Base reward rate
- 0.4%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.4% |
| Dining & delivery | 0.4% |
| Groceries & essentials | 0.4% |
| Travel & hotels | 0.4% |
| Subscriptions & streaming | 0.4% |
| Beauty & wellness | 0.4% |
| Entertainment & movies | 0.4% |
| Offline store shopping | 0.4% |
| Education & family | 0.4% |
| Healthcare & pharmacy | 0.4% |
| Other miscellaneous | 0.4% |
| Gold & jewellery | 0.4% |
| Bills & utilities | 0.1% |
| Insurance premiums | 0.1% |
| Fuel & commute | 0% |
| International spending | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- Not needed
- Monthly income requirement
- Approx. ₹25,000/month
Airport lounge access
No complimentary airport lounge access recorded
Movies and entertainment
District · 25% discount · up to ₹100 · 1 use/month
Requires ₹1 per Calendar month for the following calendar month.
Availability: One eligible District booking per month after any card transaction in the previous calendar month..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 6 items
Eligible dining and travel 10X points
Usage-based value10 points per ₹200 requires an issuer-eligible dining or travel merchant classification; unspecified category spend receives the 3X rate.
Conditions: 10 points per ₹200 requires an issuer-eligible dining or travel merchant classification; unspecified category spend receives the 3X rate.
Birthday 10X points
Usage-based value10 points per ₹200 applies only to eligible birthday spending under the issuer terms.
Conditions: 10 points per ₹200 applies only to eligible birthday spending under the issuer terms.
Utilities and insurance 1X points
Usage-based value1 point per ₹200 applies to eligible utility and insurance payments.
Other eligible 3X points
Usage-based value3 points per ₹200 applies to other eligible spend; the engine does not guess the card-wide monthly threshold previously used for 10X.
10X reward points on eligible dining, travel and birthday spends
Shown without a cash valueReward points remain valid for 24 months from the date of credit
Shown without a cash value
Fees · 1 item
Lifetime-free annual fee
Recorded value ₹-0No annual card fee is recorded under the currently reviewed terms.
Welcome benefits · 2 items
₹500 welcome voucher
Recorded value ₹500Voucher from an eligible brand after the introductory spend requirement.
Conditions: Spend ₹5,000 within 30 days of card generation
Up to ₹1,000 first-EMI cashback
Recorded value ₹1,0005% cashback on the first eligible EMI transaction during the introductory window.
Conditions: Complete the first eligible EMI transaction within 30 days · Cashback is capped at ₹1,000
Airport lounge access · 2 items
Four complimentary railway lounge visits per quarter after ₹20,000 spend in the current calendar month for use in the following month
Shown without a cash valueFour railway lounge visits per quarter after the published monthly spend condition
Shown without a cash value
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹1,20025% discount up to ₹100, 1 time per month. One eligible District booking per month after any card transaction in the previous calendar month.
Conditions: Spend ₹1 per calendar month
Travel privileges · 1 item
Travel offers on issuer-listed flight and hotel bookings plus health and wellness offers
Shown without a cash value
Dining · 1 item
Up to 20% dining discounts at participating restaurants
Shown without a cash value
Insurance and protection · 1 item
Personal accident cover and lost-card liability cover under issuer conditions
Shown without a cash value
Fuel benefits · 2 items
1% fuel surcharge waiver up to ₹200 per month on eligible ₹200-₹5,000 fuel transactions
Shown without a cash value1% fuel surcharge waiver up to ₹200 per month on eligible fuel transactions
Shown without a cash value
Foreign-currency charges · 2 items
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Zero forex markup on eligible international transactions
Shown without a cash value
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. Published minimum monthly income: ₹25,000. The issuer lists annual income of ₹3 lakh or more.
Other benefits · 3 items
Complimentary roadside assistance under issuer limits
Shown without a cash valuePersonal accident and lost-card cover plus roadside assistance
Shown without a cash valueLow, dynamic interest rates starting from 9% p.a. for revolving balances
Shown without a cash value
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Lifetime free: no annual or joining fee
- ✓ 10X reward points on eligible dining, travel and birthday spends
- ✓ Zero forex markup on eligible international transactions
- ✓ Reward points remain valid for 24 months from the date of credit
- ✓ 25% off up to ₹100 on one District movie booking each month when spend-active
- ✓ Four railway lounge visits per quarter after the published monthly spend condition
- ✓ 1% fuel surcharge waiver up to ₹200 per month on eligible fuel transactions
- ✓ Personal accident and lost-card cover plus roadside assistance
- ✓ Low, dynamic interest rates starting from 9% p.a. for revolving balances
What to watch
Fuel, EMI transactions and cash withdrawals do not earn reward points; international transactions stop earning from 26 October 2026 and each redemption attracts ₹99 plus GST.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Emi · Cash withdrawal · International Spend
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 26 May 2026