IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card
Easy growing families
10X rewards on incremental spends ≥ ₹20k & birthday
3X rewards on spends < ₹20k per cycle
Personalized Match by CredHunt • credhunt.com
Lifetime-free credit card focused on everyday transactions with competitive reward rates and benefits for essential spending categories
Joining Fee
₹0
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Easy growing families
10X rewards on incremental spends ≥ ₹20k & birthday
3X rewards on spends < ₹20k per cycle
1X rewards on insurance/utility payments
80% off on interest
4 railway lounge visits quarterly
Rewards Program
Base Rewards
Reward Type
N/A
Base Reward Rate
1X cashback on all other spends
Point Value
1pt=₹0.75
Points Expiry
N/A
Bonus Rewards
Welcome Offer
2,000 reward points on spending ₹2,000+ in first 60 days
Accelerated Rewards
5 6E Rewards per ₹100 on flight bookings on IndiGo App/Website; 3 6E Rewards per ₹100 on Grocery, Dining & Entertainment (Grocery capping of 2000 RP in a month from April 1, 2023)
Card Benefits
Travel Benefits
4/year
Complimentary domestic airport lounge access (4 visits per quarter)
Dining & Entertainment
5% cashback on Zomato (if selected in Dining & Entertainment pack); 10% cashback on food/dining using UPI scan and pay
2+2 monthly tickets
Lifestyle & Protection
Basic offers
Credit Shield Cover of ₹3 Lakh
N/A
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | N/A |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | N/A |
| Late Payment Fee | N/A |
| Fuel Surcharge | 1% fuel surcharge waiver on all fuel purchases between ₹400 and ₹5,000, with maximum waiver of ₹250 per statement cycle |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waiver on purchase of minimum ₹25,000 in a year and regular payment of dues
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
Income proof ₹12L+
Expert Opinion
Entry-level card with good rewards on dining and fuel categories. The low joining fee with easy waiver makes it accessible for beginners. Limited benefits beyond the accelerated categories and no confirmed lounge access restrict its appeal for more experienced cardholders.
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