FIRST Classic Credit Card

Rewards, as stated by the issuer

• 10X Reward Points
• FIRST Classic Credit Card – Zero fee, Up to 10X Reward Points & easy EMI options
• Up to ₹1,000 cashback on your first EMI
• Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
• Earn bonus reward points on flight & hotel bookings
• Earn Bonus Reward Points on booking flights and hotels via 'FIRST Rewards Gallery' section on IDFC FIRST Bank Mobile App
• Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
• Earn up to 3X reward points on your spends
• Elevate spends with Reward Points
• 3X Reward Points
• 1X Reward Points
• 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25
• Reward Points will be valid for 24 months from the date they are credited.
• Reward Points will be earned for spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.
• Earn 10X Reward Points on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.
• 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25​
• All spend categories earn 3X Reward Points; except insurance, utilities, railways, FASTag recharges, Dining, Travel and International purchases.​
• Reward Points will be valid for 24 months from the date they are credited.​

Other benefits

• Apply for Lifetime Free Credit Card with No Annual / Joining Fees | IDFC FIRST Bank
• A lifetime-free card packed with valuable benefits
• ₹500 gift voucher from your favourite brand
• ₹500 gift voucher from choice of brands
• •This offer is applicable only on first EMI conversion within first 30 days of card generation.
• •Eligible customers will receive cashback within 90 days of the offer end date
• •If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
• Comprehensive insurance
• 25% off on movie tickets
• Over 300+ merchant offers
• Complimentary
• Accident and lost card liability cover
• 25% off up to ₹100 on movie tickets every month when you stay spend-active with any transaction in the previous calendar month
• For example, to avail the movie benefit in July 2026, you must have made at least one transaction in June 2026 calendar month.
• Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets
• Explore all offers
• Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000 valid on making at least one transaction on FIRST Classic Credit Card in last 30 days
• Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Classic Credit Card.

Welcome & milestones

Lounge access

Railway: Complimentary railway lounge visits · Travel comfortably with complimentary access to railway lounges, four times a quarter · Disclaimer: Effective 20 th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.

Eligibility

Every fee line found on the page

• Apply for Lifetime Free Credit Card with No Annual / Joining Fees | IDFC FIRST Bank
• Eligibility: Annual income of ₹3 lakhs or more
• 1% Fuel surcharge waiver
• Save on fuel costs with a 1% Fuel Surcharge Waiver up to ₹200 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000
• Joining and Annual fee (2nd year onwards) of just ₹199 + GST
• Yes, with the IDFC FIRST Classic Credit Card, you are entitled to a 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000. The benefit is capped at ₹200 per billing cycle and is applicable across all fuel stations in India, ensuring cost-efficiency on your monthly commute.