• Need a new product?1800 10 888


  • 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 419 4332 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

Like all things classic, this card is just as it should be – Super Rewarding! Get exceptional value with 10X reward points, great discounts, insurance cover, low interest rates & a really dependable card that’s free for life.

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
  • 6X & 3X Reward Points on online & offline purchases respectively 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 = 1 Reward point per ₹150 spent | 1 Reward point = ₹0.25

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

Rental and Property management transactions will not be a part of 10X reward program and 10X threshold calculations. However, such transactions will earn 3X reward points

Effective 1st October, 2022, a convenience fee of ₹99 (plus applicable taxes) will be levied on redemption of Reward Points


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

Joining benefits

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 3.5% per month (9% to 42% per annum)

  • Interest free cash withdrawals on Domestic and International ATMs for up to 48 days (Cash Advance Fee of only ₹250 per transaction) 

  • OVL Charges – 2.5% of the over-limit amount subject to a minimum charge of ₹500

  • Late Payment Fee - 15% of Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)

  • Forex Markup at 3.5% for all international transactions


IDFC FIRST Bank Credit Card Bill Payment
Standing Instructions (e-mandates) for recurring payments

Frequently asked questions

What are the eligibility criteria to apply for an IDFC FIRST Bank Credit Card?

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