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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

IDFC FIRST Classic

IDFC FIRST Classic Credit Card is a lifetime-free credit card designed for everyday spending. It offers never-expiring reward points, zero joining and annual fee, and useful lifestyle benefits like movie discounts, fuel surcharge waiver, and railway lounge access.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI
Age: 18 to 60 years
Salaried or self-employed individual
Minimum income: ₹3 lakh annual (approx.)
Good CIBIL score (750+ preferred)

Features & Benefits

Lifetime free card (No joining & annual fee)
Earn 10X reward points on spends above ₹20,000/month
Earn reward points on all transactions (no expiry)
Welcome benefit: ₹500 gift voucher on ₹5,000 spend
Interest-free cash withdrawal up to 45 days
Railway lounge access (up to 4 per quarter) (with spend condition)
1% fuel surcharge waiver (₹200–₹5,000 transactions)
Movie discount: 25% off (up to ₹100/month)
EMI conversion available on transactions

Fees & Charges

Joining Fee: Lifetime free credit card
Joining Fee: Nil
Annual Fee: Nil (Lifetime Free)
Interest Rate: 0.75% – 3.5% per month
Cash Advance Fee: ₹199 – ₹250 per transaction
Forex Markup: ~3.5%
Late Payment Charges: Up to 15% of due amount 

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Voter ID etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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Yes, it has zero joining and annual fee for lifetime.

You earn up to 10X reward points based on monthly spending.

No, reward points never expire.

Yes, railway lounge access is available (with spend condition).

Beginners and users looking for a lifetime-free rewards card.

Terms & Conditions

Reward points are subject to eligible categories and exclusions
Lounge access requires minimum spend condition
Approval is subject to IDFC FIRST Bank credit policy
Fees and benefits may change as per bank guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee Lifetime free credit card
Annual Fee Free
Rewards Lifetime free card (No joining & annual fee)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type IDFC BANK