FIRST Classic
IDFC FIRST Bank · Credit card

FIRST Classic

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: RuPay.

FIRST Classic card artwork
Annual fee
₹0
Fee waiver
Spend ₹0 a year
Rewards
  • Dining, Travel, and International purchases and spends done on your birthday 10X Reward Points
  • Eligible spends 3X Reward Points
  • Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges 1X Reward Points
  • First EMI transaction within the first 30 days 5% cashback
  • Incremental spends above ₹20,000 per statement cycle and spends done on your birthday 10X Reward Points
  • Spends up to ₹20,000 per statement cycle 3X Reward Points
  • Rental & Property Management, Government Services, Education and Wallet Load transactions 3X reward points

Benefits & rewards

Issuer information
Rewards
  • Dining, Travel, and International purchases and spends done on your birthday 10X Reward Points
  • Eligible spends 3X Reward Points
  • Utility bill payments, Insurance premium payments, Railway spends and FASTag recharges 1X Reward Points
  • First EMI transaction within the first 30 days 5% cashback
  • Incremental spends above ₹20,000 per statement cycle and spends done on your birthday 10X Reward Points
  • Spends up to ₹20,000 per statement cycle 3X Reward Points
  • Rental & Property Management, Government Services, Education and Wallet Load transactions 3X reward points
Reward cap
1000 per day
Lounge access
Up to 4 complimentary railway lounge visits per quarter — spend INR 20,000 in the current calendar month to receive the benefit in the following month
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹0
Joining fee
₹0
Fee waiver
Spend ₹0 in a year
Foreign purchases
0% markup on international spends
Eligibility
Income not disclosed
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Foreign currency markup
    Changed
    3.5%0%

    Foreign currency markup changed from 3.5% to 0%

    Verified 11 Sep 2026 · previous value recorded 26 Jul 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.