FIRST Classic Credit Card - Lifetime Free Credit Card

The Annual Percentage Rate (APR) is the annualised interest rate that applies to your credit card usage. It generally varies between 12% to 49%, depending on the credit card. 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. These rates are among the most competitive in the industry.

Yes, you may use the card for cash withdrawals at domestic or international ATMs. Note that cash withdrawals at international ATMs come with a cash withdrawal fee as per the conversion rate. Interest-free withdrawals are available for up to 45 days at domestic ATMs, subject to a cash withdrawal fee of ₹199 + GST per transaction.

Net Banking

Pre-login

• Click on Generate Credit Card PIN on the pre-login page [https://my.idfcfirstbank.com/login]

• Enter your Customer ID and Credit Card number and click on Get OTP

• Verify using the OTP sent on your registered mobile number

• Enter and Re-enter a PIN of your choice and click on confirm

• Your Credit Card PIN is set

Login
 

• Login to your Net Banking account

• Select Credit Cards

• Select Set new PIN

• Enter and Re-enter a PIN of your choice and click on Get OTP

• Please verify using the OTP sent to your registered mobile number

• Your Credit Card PIN is set

Mobile Banking App
 

Pre-login

• Select the browse icon from the top menu on the login page

• Enter your Customer ID and Credit Card number and click on Get OTP

• Verify using the OTP sent to your registered mobile number

• Enter and Re-enter a PIN of your choice and click on Confirm

• Your Credit Card PIN is set

Login:
 

• Login to Mobile Banking App

• Access the Credit Card section

• Select Set new PIN

• Enter and Re-enter a PIN of your choice and click on Get OTP

• Your Credit Card PIN is set

Customer Care:

• Dial our Customer Care and follow the instructions to generate the PIN

For all transactions in India, yes, you will be asked for a PIN for completing the transactions. However, outside India, you will be asked for the PIN only if the POS terminal is enabled for PIN authentication.

As a welcome benefit, you will receive a ₹500 gift voucher from top brands like Amazon, BigBasket, Uber, or Lifestyle on spending ₹5,000 within 30 days of card generation. You are also entitled to 5% cashback up to ₹1,000 on your first EMI transaction made within 30 days.

• 300+ merchant offers
• Up to 20% discount at 1,500+ restaurants
• Up to 15% discount at 3,000+ health & wellness outlets
• Flight and hotel booking offers

These offers are updated regularly and are available on the Bank's website and mobile app.

You can avail a 25% discount on movie tickets up to ₹100 per month on bookings made via the District by Zomato mobile app. This offer is valid once per month, helping you enjoy movie nights more affordably.

If you are applying for your first IDFC FIRST Bank unsecured credit card, you will get a credit limit as per our internal policies.

If you already have an IDFC FIRST Bank unsecured credit card, your new credit card will also have the same credit limit. However, the limit will be shared across all unsecured credit cards

Yes, with the IDFC FIRST Classic Credit Card, you earn:

• 10X reward points on select milestone categories after spending more than ₹20,000 in a billing cycle
• 3X reward points on rental, government, and education spends
• 1X reward point on all other eligible purchases.

Note: Fuel purchases, EMI transactions, and cash withdrawals are excluded from the reward programme.

After spending more than ₹20,000 in a billing cycle, you become eligible for 10X reward points on qualifying categories. However, the following transactions are excluded:

• Fuel, EMI transactions, and cash withdrawals
• Government services, education, insurance, utility bills, wallet loads, and rental spends.

Note: Select categories like education, rental, and government services may still earn 3X reward points as per specific terms and conditions.

You can redeem your reward points via the IDFC FIRST Bank mobile banking app or website. Points can be exchanged for a wide array of products, vouchers, and gift cards. A convenience fee of ₹99 + GST applies per redemption.

No, the reward points earned on your IDFC FIRST Classic Credit Card do not expire, giving you complete flexibility to accumulate and redeem them at your convenience.

The reward points will get credited upon statement generation.

The IDFC FIRST Classic Credit Card features a sleek and modern design, now also available in a digital RuPay variant that supports UPI linkage for quick and secure mobile transactions. The design reflects a perfect blend of form and function, offering both aesthetic appeal and digital convenience.

A lifetime-free credit card is one that does not charge any joining fee or annual fee for the entire duration of ownership. You are not required to pay any recurring charges to continue using the card. The IDFC FIRST Classic Credit Card is a lifetime-free credit card, offering a wide range of lifestyle and travel benefits without any hidden costs. To know more about lifetime-free credit cards, read “Benefits of having a lifetime-free credit card”.

The IDFC FIRST Classic Credit Card is a feature-rich, lifetime-free credit card tailored for individuals seeking everyday benefits across lifestyle, travel, dining, and digital transactions. It is best suited for salaried or self-employed individuals looking for a rewarding entry-level card with robust privileges such as railway lounge access, fuel surcharge waivers, movie discounts, and never-expiring reward points.

To apply for the IDFC FIRST Classic Credit Card, applicants must have a salary of ₹3 lakhs per annum or more and meet other criteria as specified by the Bank’s internal credit assessment policies. Exact income criteria may vary depending on whether the applicant is salaried or self-employed and are subject to additional credit parameters.

Yes, with the IDFC FIRST Classic Credit Card, you are entitled to a 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000. The benefit is capped at ₹200 per billing cycle and is applicable across all fuel stations in India, ensuring cost-efficiency on your monthly commute.

Yes, you can opt for the digital RuPay variant of the IDFC FIRST Classic Credit Card by paying a joining fee of ₹199 and the same amount as an annual fee from the second year onwards. It can be linked to any UPI app such as PhonePe, Google Pay, or Paytm for seamless UPI transactions. As part of a limited-period offer, you can get 100% cashback up to ₹200 (₹50 each on your first four UPI transactions) and earn up to 3X rewards on all eligible spendings.

Yes, the IDFC FIRST Classic Credit Card is enabled with NFC (Near Field Communication) technology, allowing you to make quick and secure contactless payments at POS terminals. Simply tap your card at supported machines to complete the transaction without entering a PIN for amounts up to ₹5,000. You can also switch the contactless payment feature on or off using the IDFC FIRST Bank mobile app.

Yes, you can enjoy complimentary railway lounge access up to four times per quarter with your IDFC FIRST Classic Credit Card. However, you must spend ₹20,000 within the current calendar month to avail of this benefit in the following month.

The IDFC FIRST Classic Credit Card stands out as a superior choice for first-time users thanks to its combination of zero joining and annual fees, Welcome benefits up to ₹1,500, lifestyle rewards like movie discounts, and never-expiring reward points. With low interest rates and digital convenience, it offers significant value at zero cost. Click here to apply now.

To verify if your card is lifetime-free, review the credit card agreement, check the ‘Fees and Charges’ section on the official IDFC FIRST Bank website. You can also contact customer care or use the IDFC FIRST Bank mobile app. For the IDFC FIRST Classic Credit Card, both the joining fee and annual fee are NIL.

To maximise your reward earnings:

• Use the card frequently for both online and offline purchases - Earn 10X Rewards on spends of ₹20,000 or above in a month. You can use this card to pay your bills, dining, Health & Wellness and maximise your rewards.

• Book flights and hotels via the mobile banking app for bonus rewards

• Use EMI options above ₹2,500 to earn eligible cashback and rewards.