IDFC FIRST Classic Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Entry
Basic LTF card
Why Choose the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card is a Entry-tier Visa credit card issued by IDFC FIRST Bank, rated 4.3/5 by the Credit Card Hunt editorial team. It is best suited for Beginners. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
IDFC FIRST Classic Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 2.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
IDFC FIRST Classic Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month) |
| Best For | Beginners |
Key Highlights of the IDFC FIRST Classic Credit Card
- Basic LTF card
- Reward points
- 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)
IDFC FIRST Classic Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the IDFC FIRST Classic Credit Card
- No fee
Drawbacks of the IDFC FIRST Classic Credit Card
- Basic rewards
IDFC FIRST Classic Credit Card — Frequently Asked Questions
What is the annual fee of the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the IDFC FIRST Classic Credit Card offer airport lounge access?
Yes — the IDFC FIRST Classic Credit Card offers 4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month).
Who is eligible for the IDFC FIRST Classic Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the IDFC FIRST Classic Credit Card?
The IDFC FIRST Classic Credit Card earns Reward points. It is best suited for Beginners.
Credit Cards Similar to the IDFC FIRST Classic Credit Card
If you are considering the IDFC FIRST Classic Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card by SBI Card — rated 4.7/5, ₹999 annual fee
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
Expert Rating: 4.3/5