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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 FeeNIL
Joining FeeNIL
Interest Rate2.99% per month
Foreign Markup3.5%
Fuel Surcharge Waiver1% waiver

IDFC FIRST Classic Credit Card Rewards & Benefits

Reward RateReward points
Welcome BonusNone
Lounge Access4 railway lounge visits per quarter (subject to spending ₹20,000 or more in preceding calendar month)
Best ForBeginners

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:

Expert Rating: 4.3/5

View Full Review on CreditCardHunt.in →