Credit Cards / IDFC First Bank
IDFC First BankIDFC FIRST Classic Credit Card
VisaMastercard
- Lifetime free — zero joining and annual fees
- Up to 10X reward points on dining, travel & international spends
- ₹500 welcome voucher + 5% cashback (up to ₹1,000) on first EMI
- 25% off movie tickets, 4 free railway lounge visits per quarter
- Free roadside assistance worth ₹1,399, 4 times a year
Welcome Bonus
- ₹200 Cashback on first 4 UPI transactions, if UPI linked
- ₹500 Current terms: spend ₹5,000+ within 30 days. Pre-Oct 2023 accounts were on ₹15,000 within 90 days — terms changed over time, not a source conflict.
- ₹1,000 Cashback on first EMI conversion, completed within 30-90 days of card setup
Fees & Charges
Joining feeFree
Annual feeFree
Cash withdrawal fee₹199 + GST
Fuel surcharge waiver₹200 / per month
Rewards
Earn 1 point per ₹200 spent (1 point ≈ ₹0.25)
10Xdining, travel, international spends, birthday spends, monthly spend above ₹20,000 (incremental)
3Xstandard online/offline everyday spends up to ₹20,000/month
1Xinsurance, utilities, railways, FASTag recharges
1XUPI spends up to ₹2,000
3XUPI spends above ₹2,000
No rewards on: fuel, EMI transactions, cash withdrawals
Points valid for no expiry
Eligibility
Age18+ years
ResidencyIndian citizen
Employment statusSalaried or self-employed
Credit profileSteady verifiable income and strong credit history improve approval odds and credit limit; no specific numeric income/score minimum published on the sources checked
Benefits
- 25% off movie tickets (up to ₹100) once a month via Paytm app; requires a purchase transaction in the prior calendar month
- 4 complimentary railway lounge visits per calendar quarter
- Complimentary 24/7 roadside assistance, up to 4 times a year (value ₹1,399)
- 1% fuel surcharge waiver up to ₹200/month on transactions between ₹200 and ₹5,000
- Interest-free ATM cash withdrawals for up to 45 days (₹199 flat cash advance fee applies)
- ₹2 lakh Personal Accident Cover; ₹25,000 Lost Card Liability/Online Fraud Protection Cover (valid if card used at least once in the 30 days prior to incident)
⚠️ Disclaimer: The information provided on this page is for general educational purposes and does not constitute financial advice. Credit card issuers modify interest rates, dynamic perks (such as lounge access conditions), and fee schedules at their sole discretion. We accept no liability for discrepancies between the data shown here and live issuer terms. Please consult the official card application page prior to making any financial commitments.