IDFC FIRST Classic Credit Card
Issuer: IDFC First Bank
Network: Visa | Tier: Entry
The IDFC FIRST Classic Credit Card is a entry-level, lifetime-free card designed for everyday value. It provides a flexible rewards program featuring up to 10X accelerated reward points on birthdays, travel, and dining spends with zero annual fees.
Fees & Charges
| Annual Fee | ₹199 (waived on eligible annual spends of ₹10 lakh) |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Rewards & Benefits
| Reward Rate | Up to 10X RP on select spends |
|---|---|
| Welcome Bonus | Merchant & EMI offers |
| Lounge Access | Railway lounge access |
| Best For | Beginners |
Key Highlights
- Basic LTF card
- Reward points
Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2
- 00
- 000/year
Minimum Income Required: ₹2,00,000/year
Pros
- Fully lifetime free with zero annual or renewal charges Instant 10X reward points on dining
- travel
- and international purchases Complimentary 4 quarterly railway lounge visits nationwide Includes free on-road roadside assistance package worth ₹1
- 399 Earned reward points never expire and have flexible redemption options
Cons
- Low baseline point value conversion rate (1 point = ₹0.25) Does not offer any complimentary airport lounge access A standard ₹99 statement convenience fee applies per reward redemption Spend threshold of ₹20
- 000 required next month to unlock railway lounges High baseline foreign exchange currency markup fee of 3.5%
Expert Rating: 4.3/5