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IDFC FIRST Bank
IDFC FIRST Classic Credit Card
Visa
IDFC FIRST Classic Credit Card
IDFC FIRST's lifetime-free entry card carrying the bank's signature low interest rates and industry-low forex markup, with a modest set of dining/online multipliers and a few domestic lounge visits a year.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Reward rates by category
- Dining3%
- Online shopping2%
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 4 complimentary domestic lounge visits per year
- 1% fuel surcharge waiver, capped at ₹200 per billing cycle
Pros
- + Lifetime free with no spend condition
- + Low forex markup and interest rates versus peers
- + A few free domestic lounge visits
Cons
- − Reward rates are modest relative to fee-paying entry cards elsewhere
- − No milestone or welcome bonus
Applying takes you to IDFC FIRST Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.