IDFC FIRST Bank FIRST Classic Credit Card review: fees, rewards and eligibility
The IDFC FIRST Bank FIRST Classic Credit Card has a recorded annual fee of ₹0 and a base earn of 3 Reward Points per ₹200 on all other eligible spends. CardMasters checked its issuer terms on 2026-08-19. Affiliate commission never changes ranking; confirm final terms and approval with IDFC FIRST Bank.
IDFC FIRST Bank FIRST Classic Credit Card: short answer
The IDFC FIRST Bank FIRST Classic Credit Card is in the entry tier of IDFC FIRST Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 3 Reward Points per ₹200 on all other eligible spends and a 3.5% forex markup. Rewards are not earned on fuel, emi, cash advance. It suits lifetime free, first credit card, dining spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-19. Confirm final terms with the issuer.
Reward structure
3 Reward Points per ₹200 on all other eligible spends
- 10 Reward Points per ₹200 on eligible dining, travel and international purchases on dining, travel and international purchases — Effective 18 June 2026, 10X applies from the first eligible transaction rather than only after ₹20,000 of billing-cycle spend. Dining is MCC 5812, 5813 and 5814; travel is MCC 3000–3350, 3501–3853, 7011, 4511, 4722 and 4723. Birthday spend also earns 10X but is not modelled, because the profile does not capture transaction date.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card. Issuance remains subject to the bank's internal assessment. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, emi, cash advance.
Important limit: Effective 18 June 2026 the reward programme changed: 10X now applies from the first eligible dining, travel or international transaction, and the earlier ₹20,000 billing-cycle threshold no longer applies. Pages still showing the old structure are stale.
Frequently asked questions
What is the annual fee for the IDFC FIRST Bank FIRST Classic Credit Card?
The IDFC FIRST Bank FIRST Classic Credit Card currently has no annual fee in our record. Lifetime free — no minimum spend required for the fee waiver.
How do rewards work on the IDFC FIRST Bank FIRST Classic Credit Card?
3 Reward Points per ₹200 on all other eligible spends. Accelerated routes include 10 Reward Points per ₹200 on eligible dining, travel and international purchases on dining, travel and international purchases. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IDFC FIRST Bank FIRST Classic Credit Card?
The current issuer-sourced exclusions recorded by CardMasters include fuel, emi, cash advance. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IDFC FIRST Bank FIRST Classic Credit Card?
It is most relevant for people focused on lifetime free, first credit card, dining. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IDFC FIRST Bank FIRST Classic Credit Card worth it?
With no recorded annual fee, the IDFC FIRST Bank FIRST Classic Credit Card costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the IDFC FIRST Bank FIRST Classic Credit Card?
IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card. Issuance remains subject to the bank's internal assessment. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IDFC FIRST Bank FIRST Classic Credit Card?
The recorded foreign-currency markup is 3.5% before GST. On ₹1,00,000 of international spend that is about ₹3,500 in markup, so compare it against any rewards earned on overseas transactions.
Does the IDFC FIRST Bank FIRST Classic Credit Card offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.