Are you ready for an upgrade?

Login to the new experience with best features and services

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

Accelerated Rewards on Travel

Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App

  • Earn 50X Bonus Reward Points on hotel bookings, over and above your usual Credit Card Reward Points
  • Earn 20X Bonus Reward Points on flight bookings, over and above your usual Credit Card Reward Points
  • Redeem your Reward Points for flight & hotel bookings

Book your travel now!

  • Step 1

    Open the IDFC FIRST Mobile Banking App

  • Step 2

    Tap ‘Travel & Shop’ in the menu

  • Step 3

    Choose Hotels or Flights and Book

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.

Testimonials

My experience with IDFC FIRST Bank's credit card issuance was remarkably smooth, particularly the simple document verification. I value their innovative customer engagement, evident in their proactive offers and partnerships with brands. They prioritise making credit accessible to their cardholders.

Virender Singh

FIRST Classic

February 28, 2025

IDFC FIRST Bank consistently delivers exceptionally fast service, unparalleled by other banks. A significant highlight of this bank is their reward points programme. These reward points never expire, adding immense value to my card usage and purchases.

Dharmendra Kumar

FIRST Classic

February 1, 2025

My experience with IDFC FIRST Bank was largely professional and efficient. I particularly appreciate the seamless process, especially since I acquired this card to avail discounts on Myntra. The overall service is great, ensuring a positive experience for me.

Brahmbhatt Manish

FIRST Classic

January 21, 2025

My consistently positive experience with IDFC FIRST Bank highlights their dedication to customer satisfaction. I appreciate the excellent services, especially the convenient mobile banking app and transparent document verification.

Harish Kumar

FIRST Classic

January 10, 2025

IDFC FIRST Bank is an emerging, reliable, and highly trustable financial institution. I've experienced excellent professional interaction, which is why I want a long-standing association with the Bank.

Gophala S

FIRST Classic

January 10, 2025

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, or annual fee on the IDFC FIRST Classic Credit Card?

No, there is no joining fee or annual fee on the IDFC FIRST Classic Credit Card. It is a lifetime-free card, ensuring cost-free ownership while enjoying a suite of valuable benefits. Click here to apply now.

What is the interest rate (APR) on the IDFC FIRST Classic Credit Card?

The Annual Percentage Rate (APR) is the annualised interest rate that applies to your credit card usage. It generally varies between 12% to 49%, depending on the credit card. However, with IDFC FIRST Bank, the APR ranges from just 8.5% to 46.2% per annum, depending on your credit profile and payment behaviour. These rates are among the most competitive in the industry.

Can I use the IDFC FIRST Classic Credit Card to withdraw cash from an ATM?

Yes, you may use the card for cash withdrawals at domestic or international ATMs. Note that cash withdrawals at international ATMs come with a cash withdrawal fee as per the conversion rate. Interest-free withdrawals are available for up to 45 days at domestic ATMs, subject to a cash withdrawal fee of ₹199 + GST per transaction.

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 IDFC FIRST Classic Credit Card?

As a welcome benefit, you will receive a ₹500 gift voucher from top brands like Amazon, BigBasket, Uber, or Lifestyle on spending ₹5,000 within 30 days of card generation. You are also entitled to 5% cashback up to ₹1,000 on your first EMI transaction made within 30 days.

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

• 300+ merchant offers
• Up to 20% discount at 1,500+ restaurants
• Up to 15% discount at 3,000+ health & wellness outlets
• Flight and hotel booking offers

These offers are updated regularly and are available on the Bank's website and mobile app.

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

You can avail a 25% discount on movie tickets up to ₹100 per month on bookings made via the District by Zomato mobile app. This offer is valid once per month, helping you enjoy movie nights more affordably.

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, with the IDFC FIRST Classic Credit Card, you earn:

• 10X reward points on select milestone categories after spending more than ₹20,000 in a billing cycle
• 3X reward points on rental, government, and education spends
• 1X reward point on all other eligible purchases.

Note: Fuel purchases, EMI transactions, and cash withdrawals are excluded from the reward programme.

Are there any exclusions for earning 10X reward points?

After spending more than ₹20,000 in a billing cycle, you become eligible for 10X reward points on qualifying categories. However, the following transactions are excluded:

• Fuel, EMI transactions, and cash withdrawals
• Government services, education, insurance, utility bills, wallet loads, and rental spends.

Note: Select categories like education, rental, and government services may still earn 3X reward points as per specific terms and conditions.

How can I redeem the reward points earned on my IDFC FIRST Classic Credit Card?

You can redeem your reward points via the IDFC FIRST Bank mobile banking app or website. Points can be exchanged for a wide array of products, vouchers, and gift cards. A convenience fee of ₹99 + GST applies per redemption.

Do reward points accrued on the IDFC FIRST Classic Credit Card expire?

No, the reward points earned on your IDFC FIRST Classic Credit Card do not expire, giving you complete flexibility to accumulate and redeem them at your convenience.

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 IDFC FIRST Classic Credit Card.

The IDFC FIRST Classic Credit Card features a sleek and modern design, now also available in a digital RuPay variant that supports UPI linkage for quick and secure mobile transactions. The design reflects a perfect blend of form and function, offering both aesthetic appeal and digital convenience.

What is a lifetime-free credit card?

A lifetime-free credit card is one that does not charge any joining fee or annual fee for the entire duration of ownership. You are not required to pay any recurring charges to continue using the card. The IDFC FIRST Classic Credit Card is a lifetime-free credit card, offering a wide range of lifestyle and travel benefits without any hidden costs. To know more about lifetime-free credit cards, read “Benefits of having a lifetime-free credit card”.

What is the IDFC FIRST Classic Credit Card and who is it best suited for?

The IDFC FIRST Classic Credit Card is a feature-rich, lifetime-free credit card tailored for individuals seeking everyday benefits across lifestyle, travel, dining, and digital transactions. It is best suited for salaried or self-employed individuals looking for a rewarding entry-level card with robust privileges such as railway lounge access, fuel surcharge waivers, movie discounts, and never-expiring reward points.

What is the minimum income required to apply for the IDFC FIRST Classic Credit Card?

To apply for the IDFC FIRST Classic Credit Card, applicants must have a salary of ₹3 lakhs per annum or more and meet other criteria as specified by the Bank’s internal credit assessment policies. Exact income criteria may vary depending on whether the applicant is salaried or self-employed and are subject to additional credit parameters.

Are fuel surcharge waivers available on the IDFC FIRST Classic Credit Card?

Yes, with the IDFC FIRST Classic Credit Card, you are entitled to a 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000. The benefit is capped at ₹200 per billing cycle and is applicable across all fuel stations in India, ensuring cost-efficiency on your monthly commute.

Can I use the IDFC FIRST Classic Credit Card for UPI payments or mobile wallets?

Yes, you can opt for the digital RuPay variant of the IDFC FIRST Classic Credit Card by paying a joining fee of ₹199 and the same amount as an annual fee from the second year onwards. It can be linked to any UPI app such as PhonePe, Google Pay, or Paytm for seamless UPI transactions. As part of a limited-period offer, you can get 100% cashback up to ₹200 (₹50 each on your first four UPI transactions) and earn up to 3X rewards on all eligible spendings.

Does the IDFC FIRST Classic Credit Card support contactless payments?

Yes, the IDFC FIRST Classic Credit Card is enabled with NFC (Near Field Communication) technology, allowing you to make quick and secure contactless payments at POS terminals. Simply tap your card at supported machines to complete the transaction without entering a PIN for amounts up to ₹5,000. You can also switch the contactless payment feature on or off using the IDFC FIRST Bank mobile app.

Is lounge access available with the IDFC FIRST Classic Credit Card?

Yes, you can enjoy complimentary railway lounge access up to four times per quarter with your IDFC FIRST Classic Credit Card. However, you must spend ₹20,000 within the current calendar month to avail of this benefit in the following month.

Why should I choose the IDFC FIRST Classic Credit Card as my first lifetime-free credit card?

The IDFC FIRST Classic Credit Card stands out as a superior choice for first-time users thanks to its combination of zero joining and annual fees, Welcome benefits up to ₹1,500, lifestyle rewards like movie discounts, and never-expiring reward points. With low interest rates and digital convenience, it offers significant value at zero cost. Click here to apply now.

How do I check if my credit card is lifetime-free?

To verify if your card is lifetime-free, review the credit card agreement, check the ‘Fees and Charges’ section on the official IDFC FIRST Bank website. You can also contact customer care or use the IDFC FIRST Bank mobile app. For the IDFC FIRST Classic Credit Card, both the joining fee and annual fee are NIL.

How can I maximise the rewards on my IDFC FIRST Classic Credit Card?

To maximise your reward earnings:

• Use the card frequently for both online and offline purchases - Earn 10X Rewards on spends of ₹20,000 or above in a month. You can use this card to pay your bills, dining, Health & Wellness and maximise your rewards.

• Book flights and hotels via the mobile banking app for bonus rewards

• Use EMI options above ₹2,500 to earn eligible cashback and rewards.

Important documents

ON A MISSION TO BUILD THE WORLD’S MOST
CUSTOMER FRIENDLY BANK