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IDFC FIRST Bank FIRST Classic

IDFC FIRST Bank

FIRST Classic — card image from the issuer's official page

Annual / renewal fee

Nil (Zero Annual Fee).

VerifiedFIRST Classic product page29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Earn rate

  • 3X reward points on eligible spends.
  • 10X reward points on Dining, Travel and International purchases and on all spends made on your Birthday.
  • 1X reward on Utility bill payments, Insurance premium payment, FASTag Recharges and Railway Spends. 1X = 1 Reward Point per ₹200 spent.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

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Source-traced to issuer Verified 2026-07-29
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.

Overview

FIRST Classic by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Nil (Lifetime Free - Zero Joining Fee).

VerifiedMost Important Terms & Conditions (MITC) - Customer, effective 18 June 202629 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Annual / renewal fee

Nil (Zero Annual Fee).

VerifiedFIRST Classic product page29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Fee waiver

Lifetime Free Credit Card - no joining or annual fee.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Rewards

  • 3X reward points on eligible spends.
  • 10X reward points on Dining, Travel and International purchases and on all spends made on your Birthday.
  • 1X reward on Utility bill payments, Insurance premium payment, FASTag Recharges and Railway Spends. 1X = 1 Reward Point per ₹200 spent.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM IST

Reward cap

  • Reward Points earned only for spends up to your credit limit per billing cycle.
  • Additional spends beyond this are not eligible for Reward Points.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Reward exclusion

  • Reward program not applicable on Fuel, EMI transactions & cash withdrawals.
  • Reward Points earned only for spends up to your credit limit per billing cycle.
  • Additional spends beyond this not eligible.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Travel & lounge

Lounge access

4 Complimentary Railway Lounge Accesses per quarter, on spending ₹20,000 in the previous month (no complimentary airport lounge access stated).

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Travel benefit

Complimentary Roadside Assistance worth ₹1,399.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Official source not yet captured

Dining benefit

  • Dining discount of up to 20% across 1,500 restaurants.
  • Up to 15% discount at 3,000+ Health and Wellness outlets.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Insurance

Personal Accident cover and Lost Card Liability Cover.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Milestone benefit

  • 25% off up to ₹100 on movie tickets every month when you stay spend-active with any transaction in the previous calendar month.
  • 4 complimentary Railway Lounge accesses per quarter on spending ₹20,000 in the previous month.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Statement credit

Earn up to ₹200 cashback on the first 4 UPI transactions.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Eligibility

Not published in the official documents on file — see the official T&C link below.

Charges & interest

Forex markup

3.50% markup on Foreign currency transactions and Dynamic & Static Currency Conversion transactions.

VerifiedMost Important Terms & Conditions (MITC) - Customer, effective 18 June 202629 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Charge

  • Cash advance transaction fee: ₹199.
  • Finance charges (interest): Monthly 0.71% - 3.85% (Annual 8.5% - 46.2%).
  • Overdue interest Monthly 3.99% (Annual 47.88%), revised to 46.2% when minimum amount due paid.
  • Late payment charges: 15% of Total Amount Due of previous statement minus payments before due date (min ₹100, max ₹1,300).
  • Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount, min ₹500.
  • Over-limit charges: 2.5% of over-limit amount (min ₹550).
  • Card replacement fee: ₹199.
  • Add-on card joining and annual fee: ₹499.
  • Reward Redemption Fee: ₹99 per redemption transaction.
  • Fee on cash payment at branches: NIL.
  • Outstation cheque processing fee: NIL.
  • Duplicate statement request: NIL.
  • Cheque/Cash processing fee: NIL.
  • Charge slip request: NIL.
  • Rent and Property Management Fee: 1% of transaction value, min ₹249 (domestic only).
  • Fair usage on Utility Spends: 1% fee if Utility Spends in a statement cycle exceed ₹20,000.
  • Fuel Fee: 1% if Fuel Spends exceed ₹30,000 per statement cycle.
  • Passenger Railways Transaction Fee: 1% if Passenger Railway Spends exceed ₹25,000.
  • Tolls and Bridges Transaction Fee: 1% if Tolls and Bridges Spends exceed ₹10,000.
  • Education Payment Fee: 1% on Education Spends via third-party apps, min ₹249.
  • GST: presently 18% on all fees, interest and charges.
  • Effective 18 June 2026.

VerifiedMost Important Terms & Conditions (MITC) - Customer, effective 18 June 202629 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Fuel surcharge waiver

1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000, capped at ₹200 per statement cycle.

VerifiedMost Important Terms & Conditions (MITC) - Customer, effective 18 June 202629 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Interest-free period

  • Interest-free (grace) period up to 45 days.
  • Not applicable if previous month's statement balance not cleared in full by due date.
  • Interest-free ATM cash withdrawal for up to 45 days.

VerifiedMost Important Terms & Conditions (MITC) - Customer, effective 18 June 202629 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Transfers

Transfer rule

  • Pay off your other bank credit card balances with the Balance Transfer facility.
  • Eligibility norms apply at Bank's discretion for Balance Transfer facility.

VerifiedFIRST Classic Product Guide (card-specific features & rewards)29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Common questions

What is the annual fee on the FIRST Classic?

Officially traced: Nil (Zero Annual Fee).

FIRST Classic product page

What is the joining fee on the FIRST Classic?

Officially traced: Nil (Lifetime Free - Zero Joining Fee).

Most Important Terms & Conditions (MITC) - Customer, effective 18 June 2026

Is the FIRST Classic annual fee ever waived?

Lifetime Free Credit Card - no joining or annual fee.

FIRST Classic Product Guide (card-specific features & rewards)

How does the FIRST Classic earn rewards?

3X reward points on eligible spends.

FIRST Classic Product Guide (card-specific features & rewards)

What lounge access does the FIRST Classic include?

4 Complimentary Railway Lounge Accesses per quarter, on spending Rs. 20,000 in the previous month (no complimentary airport lounge access stated).

FIRST Classic Product Guide (card-specific features & rewards)

What are the transfer ratios for FIRST Classic points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

What is one point on the FIRST Classic worth?

Point value varies by award, route and partner programme, so this page does not publish a rupees-per-point figure.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) - Customer, effective 18 June 2026FIRST Classic Product Guide (card-specific features & rewards)

Official terms

https://www.idfcfirst.bank.in/credit-card/classic.

VerifiedFIRST Classic product page29 Jul 2026, 10:30 AM ISTIDFC FIRST Bank

Verified 2026-07-29 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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