IDFC FIRST Classic Credit Card Review 2026 — Fees, Rewards & Eligibility
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.
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 Up to 10X RP on select spends and an annual fee of ₹199 (waived on eligible annual spends of ₹10 lakh), it ranks among the popular Reward points cards in India in 2026.
New cardholders are welcomed with Merchant & EMI offers, which adds immediate value in the first year.
IDFC FIRST Classic Credit Card 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 |
IDFC FIRST Classic Credit Card 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 of the IDFC FIRST Classic Credit Card
- Basic LTF card
- Reward points
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
- 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
Drawbacks of the IDFC FIRST Classic Credit Card
- 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%
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 ₹199 (waived on eligible annual spends of ₹10 lakh) and a joining fee of NIL. New cardholders receive Merchant & EMI offers 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 Railway lounge access.
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 Up to 10X RP on select spends. It is best suited for Beginners.
Expert Rating: 4.3/5