IDFC FIRST Bank FIRST Classic

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹0

NIL

Annual fee

₹0

NIL

What it gives back

3X Reward Points on eligible spend categories (1X = 1 Reward Point per ₹200 spent)

Read from 9 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 78 cards that state none, out of the 274 open cards whose annual fee we have read.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Welcome offer

Welcome benefit
A ₹500 gift voucher from top brands upon spending ₹5,000 within 30 days of card generation; 5% cashback (up to ₹1,000) on your first EMI transaction within the same 30-day window

Rewards

Reward rate
3X Reward Points on eligible spend categories (1X = 1 Reward Point per ₹200 spent)
Insurance spend earning
1X Reward Points on Insurance premium payments.
Reward earning on dining spends
10X Reward Points on Dining.
Reward earning on international spends
10X Reward Points on International purchases.
Travel earning
10X Reward Points on Travel.
Utilities earning
1X Reward Points on Insurance premium payments, Utility bill payments, Railway spends and FASTag recharges.
Reward exclusions
Reward program not applicable on Fuel, EMI transactions and Cash withdrawals
Reward caps
Reward Points are earned only on spends up to your credit limit per billing cycle
Catalogue redemption
1 Reward point = ₹0.25.
Voucher and product redemption
Points can be exchanged for a wide array of products, vouchers, and gift cards.
Point expiry
Reward Points will be valid for 24 months from the date they are credited.

Card benefits

Hotel or travel programme
Complimentary access to railway lounges, four times a quarter; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
Dining programme
Up to 20% discount at 1500+ restaurants
Movie or entertainment ticket benefit
25% off up to ₹100 on movie tickets every month when you stay spend-active with any transaction in the previous calendar month

Also included

Fuel surcharge waiver
Save on fuel costs with a 1% Fuel Surcharge Waiver up to ₹200 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000
Insurance benefit
Personal accident cover of ₹2,00,000.
Lost card liability
Lost card liability cover of ₹25,000.
Purchase to EMI conversion
Instant EMI conversion for all online transactions on the bank’s OTP page.

Charges

Forex markup
0%
Cash advance fee
₹199 + GST per transaction (0% Interest for up to 45 days)
Cash advance interest
Cash withdrawals across domestic and international ATMs: 0% interest for up to 45 days
Interest on unpaid balance
From 8.5% - 46.2% per annum
Interest-free period
48 days interest-free when you pay in full.
Late payment fee
15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)
Reward redemption fee
₹99 plus GST per redemption

Eligibility

In the terms, not the brochure (2)

Spend that unlocks lounge visits in the next period
Spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month
What must be paid with the card for the cover to apply
Valid on making at least one transaction on FIRST Classic Credit Card in last 30 days.

How we know - 9 documents from IDFC FIRST Bank, checked 19 Oct 2026

9 documents from IDFC FIRST Bank, checked 19 Oct 2026.

On these lists

₹0 for life

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