All cards / IDFC FIRST Bank
IDFC FIRST Classic Credit Card
IDFC FIRST's lifetime-free entry card carrying the bank's signature low interest rates and zero forex markup (since 9 Sep 2026), with a modest set of dining/online multipliers and a few domestic lounge visits a year. International spends stop earning reward points from 26 Oct 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, online shopping. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Insurance benefits: Zero lost-card liability once the loss is reported
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate
- ✈️ Travel
4 complimentary domestic lounge visits per year
- 🛍️ Shopping
2% reward rate
- ⛽ Fuel
1% fuel surcharge waiver, capped at ₹200 per billing cycle
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 9%–42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at ₹200 per billing cycle
- Cash advance charges: ₹250 per domestic or international cash advance transaction
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
- + Zero forex markup and low 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
- − International spends stop earning reward points from 26 Oct 2026 (the trade-off for zero forex markup)