FIRST Classic Credit Card
A lifetime-free points card with no forex markup: 10X on dining, travel and international spends, 3X on most others, 1X on bills, insurance and rail (1X = 1 point per ₹200, 1 point = ₹0.25). Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| 10X on dining (including food delivery), travel and international spends | 10 points per ₹200 Product page | no cap on record |
| 1X on utility bills, insurance premiums, railway spends and FASTag | 1 point per ₹200 Product page | no cap on record |
| 3X on other spends | 3 points per ₹200 Product page | no cap on record |
Rent, government, education and wallet-load spends are named as exclusions from 10X only; the page does not say whether they earn 3X. Points are earned only on spends up to the credit limit in a billing cycle. UPI needs the FIRST Digital RuPay add-on card, at ₹199 + GST a year; UPI spends are outside the 10X programme.
No rewards on
- Fuel (and EMI, cash withdrawals) Product page
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹200 a statement cycle Product page
- Welcome: ₹500 gift voucher on ₹5,000 of spend within 30 days of the card being issued Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- 4 railway lounge visits a quarter, after ₹20,000 of spend in the previous month Product page
- 25% off movie tickets, up to ₹100 a month Product page
- 20% bonus points on hotels and 10% on flights booked in the IDFC FIRST app Terms
- 10X points on spends made on your birthday Product page
- 5% cashback up to ₹1,000 on the first EMI within 30 days Product page
- Personal accident cover of ₹2 lakh and lost-card cover of ₹25,000 Product page
- Roadside assistance worth ₹1,399, up to 4 times a year Product page
- Interest-free ATM cash for up to 45 days (₹199 + GST a withdrawal) Product page
Eligibility
- Annual income of ₹3 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by IDFC FIRST Bank in the documents read
- the card network
- a minimum age
- airport lounge access (the card gives railway lounge visits only)
Where IDFC FIRST Bank’s documents differ, and what is used
- Reward expiry: the page banner says "10X Never Expiring Rewards", but the same page says points are valid for 24 months from credit.
- Fuel waiver cap: the product page says ₹200 a statement cycle; the usage guide says ₹200 a month.
The quotes behind the figures
38 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“No, there is no joining fee or annual fee on the IDFC FIRST Classic Credit Card.”
“For the IDFC FIRST Classic Credit Card, both the joining fee and annual fee are NIL.”
“The FIRST Classic Credit Card provides ZERO forex markup.”
“1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25”
“- 10X Reward Points on Dining, Travel, and International purchases and spends done on your birthday.”
“Dining (including food delivery) includes MCCs 5812, 5813 and 5814.”
“- 1X Reward Points on Insurance premium payments, Utility bill payments, Railway spends and FASTag recharges.”
“All spend categories earn 3X Reward Points; except insurance, utilities, railways, FASTag recharges, Dining, Travel and International purchases.”
“Reward program is not applicable on Fuel (MCC 5172, 5541, 5542, 5983), Cash (MCC 6010, 6011,7280) & EMI transactions.”
“Reward program not applicable on Fuel, EMI transactions and Cash withdrawals.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“1. Reward Points can be redeemed at 1 Point = 0.25.”
“Rental & Property Management, Government Services, Education, Wallet Load transactions, Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges”
“Reward Points are earned only on spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.”
“Reward Points are valid for 24 months from the date they are credited.”
“10X Never Expiring Rewards”
“Reward points will be posted in Card Account only when the Minimum Amount Due (MAD) has been realised on or before the Payment Due Date (PDD).”
“1% Fuel Surcharge waiver up to 200 per month”
“Travel comfortably with complimentary access to railway lounges, four times a quarter”
“Flights 10% Bonus Reward Points on flight bookings”
“Total Bonus Reward Points that can be earned in a calendar month in a credit card account”
“Joining and Annual fee (2nd year onwards) of just ₹199 + GST”
“You can currently get the add-on FIRST Digital RuPay Credit Card if you hold any of the following IDFC FIRST Bank Credit Cards: FIRST Classic, FIRST Millennia, FIRST WOW!, FIRST Select, FIRST Wealth, FIRST Private, FIRST SWYP, Ashva, Mayura, FIRST Business, Diamond Reserve or Gaj: Credit Card .”
“3X rewards on UPI purchases greater than ₹2,000.”
“UPI transactions will not be a part of 10X rewards programme and 10X threshold calculations for all cards (Except Ashva and Mayura)”
“However, with IDFC FIRST Bank, the APR ranges from just 8.5% to 46.2% per annum, depending on your credit profile and payment behaviour.”
“Reward redemption will attract a small convenience charge of ₹99 plus GST per redemption.”
“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”
“Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*”
“Disclaimer: Effective 20 th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month.”
“25% off up to ₹100 on movie tickets every month when you stay spend-active with any transaction in the previous calendar month”
“Hotels 20% Bonus Reward Points on hotel bookings”
“Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.”
“Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000 valid on making at least one transaction on FIRST Classic Credit Card in last 30 days”
“Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Classic Credit Card.”
“Interest-free withdrawals are available for up to 45 days at domestic ATMs, subject to a cash withdrawal fee of ₹199 + GST per transaction.”
“Eligibility: Annual income of ₹3 lakhs or more”
“A lifetime-free card packed with valuable benefits Apply now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology