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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

FIRST Classic Credit Card - Lifetime Free Credit Card

Valuable Privileges of FIRST Classic Credit Card Valuable Privileges of FIRST Classic Credit Card

Earn 3X
rewards on UPI spends

Already have the FIRST Classic Credit Card?

Earn 3X Reward Points on UPI Spends with FIRST Classic Earn 3X Reward Points on UPI Spends with FIRST Classic
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

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

25% off on movie tickets

Discounted

1% Fuel surcharge waiver

Over 300+ merchant offers

Complimentary railway lounge visits

Complimentary

Accident and lost card liability cover

24/7 Roadside assistance

Convenience at your fingertips

Instant EMI conversion for all online transactions*

Instant EMI conversion for all online transactions*

above ₹2,500 on the bank’s OTP page

Low interest rates

Low interest rates(APR)

starting at just 8.5% per annum

Interest-free* cash withdrawals

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

Enable UPI on FIRST Classic Credit Card
Gpay
PhonePe
paytm
BHIM UPI
  • Joining and Annual fee (2nd year onwards) of just ₹199 + GST 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 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 Earn up to 3X reward points on your spends

Never-expiring reward points

I10X Reward Points on Monthly Spends above ₹ 20,000
10X Reward points

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

I3X Reward Points on spends till ₹ 20,000
3X Reward points

on spends till ₹20,000 in a statement cycle

I1X Reward Points on Utility Payments
1X Reward points

on Insurance premium payments and Utility bill payments

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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
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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

Read terms and conditions

Scan to apply for Credit Card at IDFC FIRST Bank

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

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

Install Now
Mobile App to manage all Credit Card needs

Enjoy India’s #1 Mobile Banking App

Manage Your Card

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

Control Credit Card Usage

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

Convenient Repayments

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

Exclusive Credit Card offers

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, 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.

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