IDFC FIRST Classic credit card

IDFC FIRST Classic

IDFC FIRST Bank · Visa

IDFC FIRST Classic is a no-frills free lifetime card for everyday rewards and credit building.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

1X

₹0.25/pt

Min CIBIL

600

₹2L+ income

Key Features

Lifetime free — zero annual fee forever
3X reward points on online spends
1.5X reward points on offline spends
10X reward points on your birthday
Reward points never expire
Interest-free cash withdrawal at ATMs (up to 48 days)
Low and transparent interest rates
Contactless payment enabled

Welcome Benefits

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Lifetime Free Card

Zero joining fee and zero annual fee — forever. No spend-based waiver conditions needed

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Bonus Reward Points on First Spend

Earn welcome reward points on your first transaction within 90 days of activation

Reward Rates by Category

Dining

2X

Travel

1X

Online

2X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

1X

Partner Earn Rates

PartnerCategoryEarn Rate
All Online MerchantsOnline Shopping3X
Birthday SpendsAll Categories10X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Personal Accident Cover

Accidental death cover for primary cardholder

₹2 Lakhs

Zero Liability on Lost Card

Report promptly for full protection

100% fraudulent charges

Pros

  • Zero annual fee — free for life
  • Basic everyday rewards
  • No income documents needed for existing customers
  • Simple and straightforward

Cons

  • No lounge access
  • Very low reward rate
  • No premium benefits

Frequently Asked Questions

Is IDFC FIRST Classic really lifetime free?+
Yes — zero joining fee and zero annual fee forever. No conditions, no spend thresholds.
Earn rate?+
3X on online spends, 1.5X on offline. 10X on your birthday on all purchases.
Do reward points expire?+
No — IDFC FIRST reward points never expire, unlike most other cards with 2–3 year expiry.
Cash withdrawal benefit?+
Interest-free cash withdrawals at ATMs for up to 48 days — a rare benefit not offered by most credit cards.
Good as a starter card?+
Excellent — lifetime free, universal earn rate, never-expiring points and ATM cash benefit make it great for first-time cardholders.

Ready to apply?

Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.

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IDFC FIRST Classic

Free · 1X rewards