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IDFC FIRST Classic Credit Card credit card
Visa

IDFC FIRST Classic Credit Card

Rewards with zero annual cost

Annual feeLifetime Free
Rewards0.75%Assumes IDFC FIRST Bank Product Guide states outright '1 Reward Point = Rs.0.25'
Forex markup3.5%
Apply NowCheck Eligibility →
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Rewards

    Fees & charges

    Joining fee
    ₹0 (Free)
    Annual / renewal fee
    Lifetime free
    Forex markup
    3.50%

    Eligibility

    Salaried: no hard minimum; ₹15,000/month recommended. Self-employed: 1+ year of filed ITR. Age 21–65. CIBIL 700+ recommended; lenient underwriting for IDFC FIRST savings-account customers.

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend
    0% of spend100% of spend

    Remaining 65% of spend earns the 0.75% base rate.

    Rewards / year

    ₹8,175

    ≈ 1.36% effective

    Annual fee

    ₹0

    no published waiver

    Net steady-state return

    +₹8,175/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹8,175 a year.

    Apply NowCheck Eligibility →

    One-time welcome benefit: ~₹500 — on spending Rs.15,000 within 90 days

    Based on published rates as of 2026-08-07; assumes IDFC FIRST Bank Product Guide states outright '1 Reward Point = Rs.0.25'. Rewards estimates, not guarantees.

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