• As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

FIRST Classic Credit Card - Lifetime Free Card

Eligibility* : Annual income of ₹ 3 Lacs or more

Like all things classic, this card is just as it should be – Super Rewarding! Get exceptional value with up to 10X reward points, great discounts, insurance cover, low interest rates and a dependable card that’s free for life. Discover the timeless appeal of IDFC FIRST Bank's Credit Cards today.

*Issuance of our Credit Card is subject to bank's internal assessment and at the sole discretion of IDFC FIRST Bank.

Reward Program

Your reward points, Yours to keep forever!
Easy to earn, Easy to redeem!

  • 10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday
  • 3X Reward Points on applicable online & offline purchases for spends up to ₹20,000 per month
  • Unlimited Reward points that never expire

  • Use Reward points to instantly pay for online or in-store purchases

  • 1X Reward Points on Insurance premium payments and Utility bill payments

1X = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25

Reward redemption will attract a small convenience charge of ₹99 (+ GST) per redemption.

Reward program not applicable on Fuel, EMI transactions & Cash withdrawals.

Categories not a part of 10x Threshold- Rental & Property management transactions, Utility, Insurance, Education, Wallet Load & Government Services.


First-in-class features.
Designed to delight, year after year.

Joining benefits

Your FIRST Classic Credit Card, now powered for UPI

    • New digital card instantly issued
    • Linked to your existing credit card with shared limit
    • Joining fee of ₹199 + GST and Annual fee (2nd year onwards) of ₹199 + GST
    • Limited Period Offer: 100% cashback up to ₹200, i.e. ₹50 each on first 4 UPI transactions
    • Up to 3X reward points on all UPI spends

The best things in life are free. Like Our Credit Cards.


Low on charges,
high on benefits!

  • No annual fee. Lifetime Free Credit Card

  • Low Interest Rates (APR), from 0.75% to 3.65% per month (9% to 43.8% per annum)

  • Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹199 + GST per transaction) 

  • OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹550

  • Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1300)

  • Forex Markup at 3.5% for all international transactions

  • Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of ₹249 (+GST) per transaction

  • Utility spends (Electricity, Gas, Telecom etc.) above ₹20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle


IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments
Balance Conversion into easy EMI

Frequently asked questions

Is there a Joining/ Membership/ Annual fee on IDFC FIRST Bank Credit Cards?

How can I redeem the reward points that I have earned on my card?

Is there an expiry date on the reward points accrued on my card?

What are the current offers available on IDFC FIRST Bank credit cards?

What is the interest rate on my credit card?

Can I use my credit card to withdraw cash at an ATM?

How do I generate my credit card PIN?

Will I be asked for my Credit Card PIN at every POS terminal, be it domestic or international?

More FAQs