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IDFC FIRST Bank Classic Credit Card: Benefits, Rewards, Fees, and Eligibility

Earn 10X reward points on eligible spends, enjoy lifetime-free benefits with no annual fee, access complimentary railway lounges, and redeem reward points anytime with no expiry.

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Last updated on: Jun 23, 2026

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Overview

The IDFC FIRST Classic Credit Card is a lifetime fee credit card that comes with no joining fee or annual fee, helping cardholders save on recurring card costs. It offers accelerated reward points on eligible spends, with reward points that never expire. Cardholders can also access complimentary railway and airport lounge benefits, fuel surcharge waivers, EMI conversion facilities, cash withdrawal options, insurance coverage, and welcome benefits. Available on the Visa network, the card is designed to provide value across everyday spending, travel, and lifestyle categories while offering long-term rewards flexibility.

Key Highlights of the IDFC FIRST Classic Credit Card

Here is a quick overview of the key features and benefits of the IDFC FIRST Classic Credit Card:

Joining Fee: ₹0
Annual Fee: ₹0
Best For: Earning rewards on lifestyle spends such as shopping, dining, and travel
Key Feature: Earn 10X reward points on spends above ₹20,000 per month and on birthday purchases
Welcome Bonus: Welcome benefits worth ₹1,500 to help you get started with the card

Note: Card features, benefits, and welcome offers are subject to change as per the issuer's terms and conditions.

What are the Key Benefits of IDFC FIRST Classic Credit Card

The IDFC FIRST Classic Credit Card is designed to offer value across everyday spending categories, making it a practical credit card for shopping, travel, entertainment, fuel purchases, and bill payments. Along with reward points on eligible transactions, it also includes travel privileges, protection benefits, and flexible EMI conversion options.

Rewards

Welcome Benefits: Enjoy welcome benefits worth ₹1,500 upon activating the card.
10X Reward Points: Earn 10X reward points on monthly spends above ₹20,000 and on birthday purchases.
3X Reward Points: Get 3X reward points on eligible online and offline spends of up to ₹20,000 per month.
Rewards on Bills and Insurance: Earn 1X reward points on insurance premium and utility bill payments.

Lifestyle

Movie Discounts: Save 25% on Paytm movie ticket bookings, up to ₹100 per month.
Merchant Offers: Access over 300 year-round offers, including discounts of up to 20% at partner restaurants and up to 15% at select wellness outlets.

Travel

Railway Lounge Access: Enjoy 4 complimentary railway lounge visits every quarter for a more comfortable travel experience.

Fuel

Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver on eligible fuel transactions, with savings of up to ₹200 per month.

Protection

Roadside Assistance: Receive complimentary roadside assistance worth ₹1,399 for added convenience during travel.
Insurance Coverage: Benefit from lost card liability cover of ₹25,000 and personal accident cover of ₹2 Lakhs.

EMI

Flexible EMI Facility: Convert purchases above ₹2,500 into easy EMIs through the mobile app, helping manage larger expenses more conveniently.

Note: Benefits, rewards, and offers are subject to the issuer’s terms and conditions and may be revised from time to time.

The IDFC FIRST Classic Credit Card also includes features designed to provide greater flexibility in managing expenses. Eligible online transactions can be converted into EMIs, allowing cardholders to spread repayment over a suitable tenure. The card offers a competitive Annual Percentage Rate (APR) starting from 8.5% per annum, helping users manage borrowing costs more effectively.

In addition, cardholders can access interest-free cash withdrawals for up to 45 days, subject to the card's terms and billing cycle conditions. These features complement the card’s rewards and lifestyle benefits, making it suitable for a wide range of everyday spending needs.

Disclaimer: EMI conversion, APR, and interest-free cash withdrawal benefits are subject to eligibility, applicable terms and conditions, and may be revised by the issuer from time to time.

IDFC FIRST Classic Credit Card: Fees and Charges

Here’s a breakdown of the fees and charges associated with the IDFC FIRST Classic Credit Card:

Fee Type	Details
Joining Fee	₹0
Annual Fee	₹0
Rewards Redemption Fee	₹99 (Fee for redeeming reward points)
Interest Charges	Up to 46.2% per year, which is 3.85% monthly (w.e.f. 20th February 2025)
Late Payment Fee	Charged based on your total outstanding amount: Less than ₹100 - Nil ₹100 to ₹500 - ₹100 ₹501 to ₹5,000 - ₹750 ₹5,001 to ₹8,000 - ₹1,200 ₹8,001 and above - ₹1,300 (Maximum fee capped at ₹1,300)
Foreign Transaction Fee	3.5% of the transaction amount
Cash Advance Fee	₹199 (For withdrawing cash using the credit card)

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

How to Make Payments with UPI Using the IDFC FIRST Classic Credit Card

The IDFC FIRST Classic Credit Card can be linked to supported UPI applications for eligible merchant payments. The card comes with a joining fee of ₹199 + GST and an annual fee of ₹199 + GST from the second year onwards. As a limited-period offer, cardholders can receive 100% cashback up to ₹200, capped at ₹50 each on the first four eligible UPI transactions. You can also earn up to 3X reward points on eligible spends, subject to applicable terms and conditions.

Step 1: Apply for and Activate Your Card

Complete the application process and activate your IDFC FIRST Classic Credit Card after approval.

Step 2: Open Your Preferred UPI App

Step 3: Add Your Credit Card

Navigate to the payment methods section and select the option to add a credit card for UPI payments.

Step 4: Verify Your Registered Mobile Number

Ensure the mobile number linked to the UPI app matches the mobile number registered with the credit card.

Step 5: Select Your Credit Card

Choose your IDFC FIRST Classic Credit Card from the list of available payment methods.

Step 6: Complete Verification

Enter the required card details and complete OTP-based authentication.

Step 7: Set Your UPI PIN

Create and confirm a UPI PIN to authorise future transactions securely.

Step 8: Make UPI Payments

Select the linked credit card as the payment source while making eligible merchant UPI transactions.

Step 9: Track Rewards and Offers

Continue using the card for eligible transactions to earn applicable reward points and promotional benefits as per the card programme.

Note: UPI-linked credit card payments are generally available for eligible merchant transactions. Features, fees, charges, reward structures, and promotional offers are subject to change as per the issuer's terms and conditions.

Eligibility Criteria for the IDFC FIRST Classic Credit Card

Here are the eligibility criteria to apply for the IDFC FIRST Classic Credit Card:

You must be at least 21 years old
You must be an Indian citizen
You must have a healthy credit score
Your credit utilisation ratio must be within an acceptable range
You must have a minimum annual income of ₹3 Lakhs

Documents Required for the IDFC FIRST Classic Credit Card

Here’s a list of documents required to apply for the IDFC FIRST Classic Credit Card:

Identity Proof	Address Proof	Income Proof
Passport	Driving Licence	Bank statements
PAN card	Aadhaar card	Income Tax Returns
-	Voter’s ID card	Salary slips

Note: A GST of 18% is applicable on the above-mentioned charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

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How to Apply for the IDFC FIRST Classic Credit Card Online

Here’s how you can easily apply for the IDFC FIRST Classic Credit Card online through Bajaj Markets:

Click on ‘Check Card Offer’ and enter basic details such as your date of birth, mobile number, and occupation
Enter the OTP sent to your registered mobile number for verification
Review and confirm your pre-filled details, including PAN, PIN code, email address, and income
Select the credit card that best matches your needs from the available options
Click ‘Submit’ to complete and send your application

How to Maximise Rewards with the IDFC FIRST Classic Credit Card

The IDFC FIRST Classic Credit Card offers multiple ways to earn reward points, giving you great value for your everyday spending. Here’s how you can maximise your rewards:

Rewards

Here’s how you can earn the maximum reward points with your IDFC FIRST Classic Credit Card to make the most of every purchase:

Earn 10X Reward Points

You can earn 10X points on spends over ₹20,000 within a statement cycle, as well as on your birthday.

Example:

Purchase Type	Amount	Reward Points
Shopping	₹24,000	1,600
Birthday Celebration	₹6,000	400

Earn 3X Reward Points

For online and offline purchases up to ₹20,000 per month, you’ll earn 3X points.

Example:

Purchase Type	Amount	Reward Points
Shopping	₹15,000	300
Dining	₹5,000	100

Earn 1X Reward Points

You’ll earn 1X point for every ₹150 spent on insurance premiums and utility bill payments.

Example:

Purchase Type	Amount	Reward Points
Insurance Premium	₹3,000	20
Utility Bills	₹1,500	10

Note: 1X = 1 reward point for every ₹150 spent, and each reward point is valued at ₹0.25.

Redemption Process

Redeeming your reward points is easy. Simply log in to the rewards portal with your credit card details and mobile number. You can use your points for instant online payments or eligible in-store transactions. You can also redeem your points for gift cards and OTT memberships. Please note that a redemption fee of ₹99 + GST applies for each transaction.

Expiration

The great news is that the reward points you earn never expire, so you can use them whenever you want without worrying about losing them.

Example of Savings

Here’s an example of your possible annual savings based on the reward points you earn:

Category	Details	Conversion	Cash Value (₹)
Incremental Spending (10X)	₹30,000 per month / ₹3,60,000 per year	24,000 rewards	₹6,000
Online and Offline Purchases (3X)	₹20,000 per month / ₹2,40,000 per year	4,800 rewards	₹1,200
Insurance Premium Payments (1X)	₹4,500 per month / ₹54,000 per year	360 rewards	₹90
Total Annual Savings	-	-	₹7,290

Disclaimer: The savings mentioned above are for illustration purposes only. Actual rewards and savings may vary depending on the spending habits, payment timeliness, and policies of the issuer.

Redemption

You can redeem your points for:

Instant payment on online purchases
Gift cards or OTT memberships
Eligible in-store purchases

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions. Basis the information provided during your loan application journey, you may be provided with various offers from our existing loans partners.

Pradnya Ranpise

Financial Content Specialist

Reviewer

Saptarshi Ghosh

Frequently Asked Questions

Is there a joining or annual fee for the IDFC FIRST Classic Credit Card?

No, the IDFC FIRST Classic Credit Card has no joining or annual fees. This makes it a lifetime-free credit card and an affordable option for anyone seeking a card with no hidden costs or recurring charges.

How can I redeem the reward points I have earned on my card?

You can redeem your reward points for both online and in-store purchases. Additionally, the rewards portal offers exclusive deals on gift cards and OTT memberships for added flexibility.

Is there an expiry date on the reward points accrued on my card?

No, your reward points do not expire, giving you the freedom to use them whenever it suits you, without worrying about losing them over time.

Can I use my IDFC FIRST Classic Credit Card to withdraw cash at an ATM?

Yes, you can use your card to withdraw cash with up to 45 days of interest-free withdrawals. A cash advance fee of ₹199 + GST applies per transaction.

Do I need to pay any charges for making international transactions with the IDFC FIRST Classic Credit Card?

Yes, a forex markup fee of 3.50% of the transaction amount applies to all international transactions made with the IDFC FIRST Classic Credit Card.

Can I make UPI transactions with my IDFC FIRST Classic Credit Card?

Yes, the IDFC FIRST Classic Credit Card supports UPI transactions. You can link a new digital card to your existing credit limit and earn up to 3X reward points on these transactions.

Can I convert the balance on my IDFC FIRST Classic Credit Card into EMIs?

Yes, you can convert your outstanding balance into EMIs, offering you a flexible repayment period ranging from 3 to 18 months.

What type of card is the IDFC FIRST Classic Credit Card?

The IDFC FIRST Classic Credit Card is a rewards-based card that allows you to earn points on everyday purchases and offers various benefits, including no annual fee.

Is the IDFC FIRST Credit Card a good option?

Yes, the IDFC FIRST Classic Credit Card is a great option for those looking for a low-cost card with flexible rewards, easy redemption, and no annual fee.

Is the IDFC FIRST Classic Credit Card lifetime free?

Yes, this credit card is lifetime free, with no joining or annual fees for the duration of its use, making it a cost-effective choice for long-term users.

What are the benefits of the IDFC FIRST Classic Credit Card?

The IDFC FIRST Classic Credit Card offers benefits such as 10X reward points on high spends, complimentary lounge access, cashback on bills, and flexible EMI options. Best of all, it comes with no annual fee, making it a cost-effective choice.

How does the IDFC FIRST Classic Credit Card rewards system work?

The card’s rewards system allows you to earn up to 10X points on eligible purchases, 3X points for regular spending, and 1X points on utility and insurance payments. This makes it ideal for everyday use.

What are the charges associated with the IDFC FIRST Classic Credit Card?

The card has no joining or annual fees. However, there are charges like a 3.5% forex markup on international transactions, a ₹199 cash advance fee, and a ₹99 reward redemption fee.

Who can apply for the IDFC FIRST Classic Credit Card?

Indian citizens aged 21 to 60 with a minimum annual income of ₹3 Lakhs and a good credit score are eligible to apply for the IDFC FIRST Classic Credit Card.

What documents are required for the IDFC FIRST Credit Card?

You will need to provide documents like your PAN card, Aadhaar card, recent bank statements, and income proof (salary slips or ITR), depending on your employment status.

How do I apply for the IDFC FIRST Classic Credit Card?

Visit the official Bajaj Markets website
Click on ‘Check Eligibility’ to begin your application
Enter your basic personal details as requested
Verify your identity using the OTP sent to your registered mobile number
Review and confirm your pre-filled details carefully
Choose the IDFC FIRST Classic Credit Card from the available options
Click ‘Submit’ to securely complete your application for processing

Is the IDFC FIRST Classic Credit Card good for beginners?

Yes, the IDFC FIRST Classic Credit Card is ideal for beginners, offering a simple rewards structure, no annual fee, and the opportunity to build credit with minimal charges.

How can I earn the maximum rewards with the IDFC FIRST Classic Credit Card?

To maximise rewards, make purchases over ₹20,000 for 10X points, use the card for daily expenses to earn 3X points, and pay bills or premiums to accumulate 1X points.

Do IDFC FIRST Classic reward points expire?

No, the reward points do not expire, so you can accumulate and redeem them whenever you choose, without any time restrictions.

Does the IDFC FIRST Classic Credit Card offer lounge access?

Yes, the card offers complimentary access to select railway lounges, providing you with a comfortable travel experience at no extra cost.

What is the eligibility for the IDFC FIRST Classic Credit Card?

Applicants generally need a minimum annual income of ₹3 Lakhs and must satisfy the bank’s age, credit, and other eligibility criteria applicable at the time of application.

What is the interest rate (APR) on the IDFC FIRST Classic Credit Card?

The IDFC FIRST Classic Credit Card offers an Annual Percentage Rate (APR) starting from 8.50% per annum, subject to the cardholder's profile, credit assessment, and applicable terms and conditions.

Can I use the IDFC FIRST Classic Credit Card to withdraw cash from an ATM?

Yes, the IDFC FIRST Classic Credit Card can be used to withdraw cash from ATMs within the available cash withdrawal limit. The card also offers an interest-free cash withdrawal period of up to 45 days, subject to applicable terms, conditions, and withdrawal limits set by the issuer.