Customer care hotline Call 1800 10 888
Login to the new experience with best features and services
₹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
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
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
Get a 25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app (valid once per month). Know more
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
Up to 20% discount at 1500+ restaurants | Up to 15% discount at 3000+ Health & Wellness outlets Explore all offers
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
Complimentary Roadside Assistance worth ₹1,399. Valid up to 4 times in a year on your FIRST Classic Credit Card. Know more
above ₹2,500 on the bank’s OTP page
starting at just 8.5% per annum
from ATMs for up to 45 days *one-time cash withdrawal fee of ₹199 + GST applicable
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.
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 = 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.
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
Joining and Annual Fees
Interest rates /Annual Percentage Rate (APR)
Cash Withdrawals
Across domestic and international ATMs
Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App
Open the IDFC FIRST Mobile Banking App
Tap ‘Travel & Shop’ in the menu
Choose Hotels or Flights and Book
Sweeter benefits await
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.
Learn all about credit cards
FIRST Classic is an attractive option for first-time credit card users. Find out whether you meet the eligibility criteria.
Get an add-on FIRST Digital RuPay Credit Card linked to you IDFC FIRST Credit Card and enjoy the convenience of UPI.
Packed with unique credit card features credit cards from IDFC FIRST Bank empower smarter financial management.
All
Fee and Card Usage
Redesigned Card
Benefits
Credit Limit
Reward Points
There are no Joining/ Membership/ Annual fees applicable on the FIRST Classic 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.
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.
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.
- 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.
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
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.
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. 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.
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.
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
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.
The reward points will get credited upon statement generation.
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