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
Base Reward Rate
1X
Point Value
₹0.25/pt
Min CIBIL
600
Lounge Access
Domestic
0/year
International
0/year
Reward Rates by Category
Dining
2X
Travel
1X
Shopping
2X
Online
2X
Grocery
2X
Fuel
1X
Utilities
1X
Other
1X
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
Ready to Apply?
Apply directly on the IDFC FIRST Bank website. Takes about 10 minutes.