IDFC FIRST Bank
IDFC FIRST Bank Classic Credit Card
Annual Fee
Lifetime FreeBase Reward
1% points
Foreign Markup
3.50%
Welcome Benefits
Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card issuance.
Product Highlights
- Lifetime free annual fee
- 10x reward points on spends above ₹20,000
- Unlimited reward points
- Exclusive 24/7 Concierge Services
Category Rewards
shopping
10x Reward Points on spends above ₹20,000
10X
dining
Up to 20% off on meals at restaurants
20X
Specialty
5% cash back on first EMI transaction
5X
Reward Calculator
Earns ₹900/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3.6K
IDFC FIRST Reward Points
₹900
via standard · ₹0.25/pt
Effective rate
0.58%
Annual fee
FREE
Year 1 net
+₹900
Year 2+ net
+₹900
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, balance transfer, loan on card, card fees, gst
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10x reward points on all spends above ₹20,000. 6X Reward Points on online purchases and 3X Reward Points on offline purchases for spends up to ₹20,000 per month. 5% cash back on the first EMI transaction within 90 days of card issuance.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 16 complimentary visits annually (4 visits per quarter) Free access to railway lounges.
Pros & Cons
Pros
- No annual fee
- Rewards program to earn points on purchases
- Interest-free period on purchases
- No max cap on earning reward points
Cons
- Limited options for redemption
- Gold and Jewellery linked transactions not permitted for conversion
Additional Info
Reward points never expire
1 Reward Point = ₹0.25
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
18 yrs
Networks