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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: April 04, 2026

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Overview

The IDFC FIRST Classic Credit Card is a lifetime free credit card with no annual fee, making it ideal for everyday use. You earn 10X reward points on shopping, dining, and bill payments. Your reward points never expire, so you can redeem them anytime. Enjoy lounge access, cashback, and great value on daily spends.

Key Highlights of the IDFC FIRST Classic Credit Card

Here is a simple breakdown of the key features and lifetime benefits that make the IDFC FIRST Classic Credit Card a smart everyday choice:

Features	Details
Joining Fee	₹0
Annual Fee	₹0
Best For	Earning rewards on lifestyle spends like dining, shopping, and travel
Key Feature	Earn 10X reward points on spends over ₹20,000 and on your birthday purchases
Welcome Bonus	Welcome benefits worth ₹1,500 to kickstart your journey with the card

IDFC FIRST Classic Credit Card: Benefits and Features

Welcome Benefits

Enjoy benefits worth ₹1,500 upon activating your card, giving you value right from the start.

Earn 10X Points

Earn 10X reward points on monthly spends over ₹20,000 and on your birthday purchases.

Triple Points on Regular Purchases

Get 3X reward points on online and offline purchases of up to ₹20,000 each month.

Monthly Movie Discount

Save 25% on Paytm movie tickets, up to ₹100, once a month.

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.

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

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Year	EMI	Principal	Interest	Balance

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.