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Notifications

  • 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

  • Lifetime Free
  • 10X Never Expiring Rewards

FIRST Classic Credit Card

Elevate everyday experiences

#IndulgeMore

FIRST Classic Credit Card - Lifetime Free Credit Card

Earn 3X
rewards on UPI spends

Already have the FIRST Classic Credit Card?

Eligibility: Annual income of ₹3 lakhs or more

Joining benefits

₹500 gift voucher from your favourite brand

Up to ₹1,000 cashback on your first EMI

₹500 gift voucher from choice of brands

₹500 gift voucher from choice of brands like - Amazon, Bigbasket, Uber and Lifestyle on spending ₹5,000 within 30 days of card generation*.
*30 days from the day you receive SMS/email confirmation that your card is generated.

Eligibility:

•Spends of ₹5,000 within 30 days of card generation
•Spends is only eligible for Primary Card

Fulfilment:

•After meeting the spends criterion of ₹5,000, you will receive a SMS/email communication (within 4-5 working days) on your registered mobile number/ email with a link to reward section of our mobile banking app.
•Click on the welcome benefit banner to pick a voucher of your choice. The voucher will be available for redemption up to 90 days of receiving the SMS/email.

Exclusion

•Not applicable on UPI, Add-on card transactions, wallet load, EMI converted transactions & ATM cash withdrawal.
•If any of the transactions are reversed/cancelled/ disputed by the cardholder or merchant, that transaction will be excluded. Know More

Up to ₹1,000 cashback on your first EMI

Enjoy 5% cashback of up to ₹1,000 on your first EMI transaction within the first 30 days card generation*.
*30 days from the day you receive SMS/email confirmation of card generation.

Eligibility:

•This offer is applicable only on first EMI conversion within first 30 days of card generation.
•A transaction above ₹2,500 and above can be converted into EMI

Fulfilment:

•Eligible customers will receive cashback within 90 days of the offer end date

Exclusion:

•Transactions done on gold and jewellery are not eligible for EMI conversion
•If the customer is delinquent at the time of offer fulfilment, that customer will not be eligible for the offer
•If any of the transactions are reversed/cancelled/foreclosed by the cardholder or merchant, that EMI transaction will be excluded. Similarly for any disputed transaction by the cardholder, that EMI transaction will be excluded Know More

Enjoy life’s simple pleasures with the FIRST Classic Credit Card

Lifestyle
Travel
Comprehensive insurance

25% off on movie tickets

Discounted
Explore Now

1% Fuel surcharge waiver

Over 300+ merchant offers

Complimentary railway lounge visits

Discounted
Explore Now

Accident and lost card liability cover

24/7 Roadside assistance

Complimentary railway lounge visits

Travel comfortably with complimentary access to railway lounges, four times a quarter
Disclaimer: Effective 20th February 2025, spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month. Explore list of eligible railway lounges

25% off on movie tickets

Get a 25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app (valid once per month). Know more

1% Fuel surcharge waiver

Save on fuel costs with a 1% Fuel Surcharge Waiver up to ₹200 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000

Over 300+ merchant offers

Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets Explore all offers

Accident and lost card liability cover

Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000 valid on making at least one transaction on FIRST Classic Credit Card in last 30 days Know more

Receive 24/7 roadside assistance for any emergencies while traveling

Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Classic Credit Card. Know more

Convenience at your fingertips

Instant EMI conversion for all online transactions*

above ₹2,500 on the bank’s OTP page

Low interest rates(APR)

starting at just 8.5% per annum

Interest-free* cash withdrawals

from ATMs for up to 45 days *one-time cash withdrawal fee of ₹199 + GST applicable

Activate UPI at just ₹199

  • Joining and Annual fee (2nd year onwards) of just ₹199 + GST
  • Limited period offer: 100% cashback up to ₹200 i.e. ₹50 each on the first 4 UPI transactions
  • Earn up to 3X reward points on your spends

Never-expiring reward points

10X Reward points

on incremental spends above ₹20,000 per statement cycle and spends done on your birthday.

3X Reward points

on spends till ₹20,000 in a statement cycle

1X Reward points

on Insurance premium payments and Utility bill payments

10X Reward points

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.
Rental & Property Management, Government Services, Education, Wallet Load, Utility and Insurance. These transaction will not be counted towards 10X spends milestone.

3X Reward Points

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.
Rental & Property Management, Government Services, Education and Wallet Load transactions will earn 3X reward points. These transactions will not be counted towards 10X spends milestone.

1X Reward points

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.
Insurance and utility transactions will not be counted towards 10X spends milestone.

This card is perfect for you because...

No annual fees

Lifetime-free credit card!

Easy EMI options

Convert all transactions above ₹2,500 into EMIs

300+ merchant offers

Every deal gets sweeter with the FIRST Classic Credit Card

Fees and charges

  • Joining and Annual Fees

    NIL

  • Interest rates /Annual Percentage Rate (APR)

    from 8.5% - 46.2% per annum

  • Cash Withdrawals

    Across domestic and international ATMs

    0% Interest for up to 45 days
    ₹199 + GST per transaction

  • Click here for more details

Get added benefits on Flight and Hotel bookings

Unlock amazing benefits with the IDFC FIRST Mobile Banking app

  • Say goodbye to convenience fees on all flight bookings (no conditions)
  • 20 bonus Reward Points for every ₹100 spent on hotel bookings
  • Exclusive deals enjoy attractive airfares and hotel prices

How to book your flights and hotels

  • Step 1

    Log into the IDFC FIRST Mobile App

  • Step 2

    Visit Travel and Shop

  • Step 3

    Click Hotels or Flight booking

Deals you can't miss

Sweeter benefits await

Your go-to app for managing all your Credit Card needs

Install Now

Enjoy India’s #1 Mobile Banking App

Manage Your Card:
Access your virtual credit card, view transaction details, e-statements, and outstanding amounts seamlessly.

Control Usage:
Instantly manage your credit card settings, including online, contactless, and international transactions, or set/reset your card PIN.

Convenient Repayments:
Pay your credit card bill effortlessly through multiple options or set up autopay for hassle-free repayments.

Exclusive Offers:
Discover curated merchant offers and redeem your Reward Points for exciting deals.

FinFIRST Blog

Learn all about credit cards

FIRST Classic Credit Card eligibility requirements

FIRST Classic is an attractive option for first-time credit card users. Find out whether you meet the eligibility criteria.

Flexibility of UPI with your IDFC FIRST Bank Credit Card

Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.

Top IDFC FIRST Bank Credit Card features you should know

Packed with unique credit card features credit cards from IDFC FIRST Bank empower smarter financial management.

Answering all your questions

All

Fee and Card Usage

Redesigned Card

Benefits

Credit Limit

Reward Points

Is there a Joining/ Membership/ Annual fee on the IDFC FIRST Classic Credit Card?

There are no Joining/ Membership/ Annual fees applicable on the FIRST Classic Credit Card.

What is the interest rate(APR) on my credit card?

IDFC FIRST Bank Credit Cards offer among the lowest interest rates in the country, starting from 8.5% to 46.2% per annum, so it won’t weigh on your pocket if you can’t clear your entire monthly dues occasionally.

Can I use my Credit Card to withdraw cash at an ATM?

Yes, you can! All ATM cash withdrawals are completely interest-free for up to 45 days – in India or abroad. Please keep in mind, however, that a Cash Advance Fee of ₹199 + GST is applicable per transaction, irrespective of your location or the withdrawal amount. The maximum cash withdrawal limit per transaction is ₹10,000.

How do I generate my credit card PIN?

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

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

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.

What is the joining benefit on the FIRST Classic Credit Card?

- Welcome Voucher worth ₹500 on spending ₹5000 or more within 30 days of card generation.

- 5% cashback (up ₹1000) on the transaction value of first EMI done within 30 days of card generation.

What are the offers available on the FIRST Classic Credit Card?

o   Welcome benefits of up to ₹1,500

o   Ease of seamless online transactions with over 300+ merchant offers, up to 20% dining discounts and more

o   4 complimentary Railway lounge visits per quarter

o   Complimentary Roadside Assistance worth ₹1,399

o   Never-expiring reward points

o   25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app once per month

For brand offers, please visit https://idfcfirstrewards.poshvine.com/offers

What is the movie offer on the FIRST Classic Credit Card?

The FIRST Classic Credit Card offers a 25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app. The offer is valid once a month.

What will be my credit limit?

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

Will I earn reward points for every spend?

Yes. You will earn:

- 10X reward points for incremental spends above ₹20,000 in a statement cycle and on your birthday

- 3X reward points on spends up to ₹20,000 in a statement cycle

- 3X reward points on Education, Wallet Load, Government, Rent and Property Management/Purchase transactions

- 1 reward point on utilities and insurance transactions

The reward points you earn stay with you forever, as long as the card is active.

Categories not included in the 10X Reward Points threshold, include Rental & Property Management, Utility, Insurance, Government Services, Education and Wallet Load. Reward points will not be earned on spends converted to EMI, Cash Withdrawal, Fuel, Fee, and Charges.

1X equals 1 reward point for every ₹150 spent in a transaction. The value of 1 reward point is ₹0.25. 

Are there any exclusions for earning 10X reward points?

Education, Wallet Load, Government, Rent and Property Management/Purchase transactions, Utilities, Insurance, EMI, Cash Withdrawal, Fuel, Fee, and Charges.

Only transactions settled by the merchant before the statement generation will be considered. If a transaction is settled after the statement is generated, it will not accrue 10X rewards. Rewards for such transactions will be credited in the next statement generation.

How can I redeem the Reward Points that I have earned on my card?

You can use your Reward Points while paying online or while shopping at a store. Just choose the option to pay with points. You can also redeem your Reward Points on amazing offers at www.idfcfirstrewards.poshvine.com

There will be a redemption fee of ₹99 + GST on every reward redemption transaction

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

There is no expiry date on the Reward Points accrued on your IDFC FIRST Classic Credit Card. You can use your Reward Points whenever you want, as long as your card is active.

When will the reward points be credited?

The reward points will get credited upon statement generation.

Tell me more about the new design of the FIRST Classic Credit Card.

Our new design is inspired by our customers, their journey, milestones, and memories. This new design is applicable only to new cards issued from December 24, 2024 onwards. The applicable privileges and benefits remain unchanged.

Please note: All existing FIRST Classic Credit Cards will continue to be valid for use.

Important documents

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