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For Loan Accounts
For Wholesale Accounts
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.
Some of the Credit Card features have been revised, effective 1st May 2024.
To view the list of revised features, Click here.
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.
Welcome voucher worth ₹ 500 on spending ₹ 5000 or more within 30 days of card generation.
5% cashback (up to ₹1000) on the transaction value of first EMI done within 30 days of card generation
25% discount on movie tickets up to ₹100 on Paytm mobile app (valid once per month)
4 complimentary Railway lounge visits per quarter
Complimentary Roadside Assistance worth ₹1,399
Fuel surcharge waiver of 1%, at all fuel stations across India, up to ₹200/month
*Applicable only on transaction values between ₹200 & ₹5000
300+ Merchant offers, All year long! | Up to 20% discount at 1500+ restaurants |
Up to 15% discount at 3000+ Health & Wellness outlets
Personal Accident Cover of ₹2,00,000* and Lost Card Liability Cover of ₹25,000
*valid on doing atleast one transaction on FIRST Classic Credit Card in last 30 days
Convert all transactions* above ₹2,500 into easy & convenient EMIs from your mobile app
Instant EMI conversion for all online transactions* above ₹2,500 on the bank’s OTP page
Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege*
*Eligibility norms apply
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
Explore our various online credit card payment options.
View your standing instructions (recurring payments) set at various merchants here and modify/ cancel them effortlessly.
Now convert your outstanding balance into easy EMI with flexible tenure of 3 - 18 months
There is absolutely no Joining/ Membership/ Annual fee applicable on any of the IDFC FIRST Bank Credit Cards. Your card is free for life.
You can directly use your points to pay for your online purchases or when shopping at a store. Just choose the option to ‘pay with points’. You can also redeem your reward points against amazing offers at idfcfirstrewards.poshvine.com.
There is NO expiry date on the reward points accrued on your IDFC FIRST Bank Credit Card. Your reward points are evergreen.
IDFC FIRST Bank Credit Cards are loaded with a host of benefits, offers and features. Depending on the card variant, IDFC FIRST Bank credit cards offer Lifestyle benefits like discounts on shopping, dining or movies and complimentary rounds of golf every month; travel benefits like complimentary airport lounge access; and other benefits like in-app online discounts, and discounts at health and wellness outlets.
IDFC FIRST Bank Credit Cards offers among the lowest interest rates in the country, so it won’t weigh on your pocket if you can’t clear your entire monthly dues once in a while. IDFC FIRST Bank offers low interest rates starting from 9% to 42% per annum. Usually, other credit cards charge as high as 42% per annum interest rate in case you choose to carry forward part of your outstanding balances.
Yes, you can! And what’s really great is that all ATM cash withdrawals are totally interest-free for up to 48 days – in India or even when you withdraw cash abroad. Do keep in mind, however, that a Cash Advance Fee of ₹199/- + GST is applicable per transaction, irrespective of where you are or the amount you withdraw. The maximum cash withdrawal limit per transaction is Rs 10,000.
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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.