First Classic IDFC Credit Card

A classic card is a Super Rewarding Card! It offers exceptional value with 10X reward points, great discounts, insurance coverage, and low-interest rates. A dependable card free for life.

First Classic IDFC Credit Card

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First Classic IDFC Credit Card



You must be an Indian citizen.



Your age must be above 18 years.



Your annual salary must be Rs. 300000 and above



Your CIBIL Score should be above 700.

Benefits of First Classic IDFC Credit Card

No joining fee or annual membership charges

There is no joining fee or monthly charges on the First Classic IDFC Credit Card.

Rewards with no expiration date

10X Reward Points on incremental spends above ₹20,000 per month and spends done on your birthday. 6X & 3X Reward Points on online & offline purchases respectively for spends up to ₹20,000 per month with IDFC first bank classic credit card

Joining Benefits

Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation. 5% cashback (up to ₹1000) on the transaction value of the 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.

EMI Conversion

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.

Balance Transfer Privilege

Enjoy convenient transfer of balances from your other bank credit cards with our balance transfer privilege.

Low-Interest Rates

Interest rate of IDFC classic credit card starting from 0.75% to 3.5% per month (9% to 42% per annum).

Interest-free cash withdrawal

Interest-free Cash withdrawal on Domestic and International ATMs for up to 48 days with IDFC first classic credit card.


Drop your Question Here ?
What is the eligibility criteria for First Classic IDFC Credit Card?

Your annual salary must be above Rs. 300000 and above if you want to get a First Classic IDFC Credit Card.

What is the interest rate on  First Classic IDFC Credit Card?

IDFC FIRST Bank offers low-interest rates starting from 9% to 42% per annum.

Is there any membership charges or annual fee for First Classic IDFC Credit Card?

There are no membership fees or annual fees for the First Classic IDFC Credit Card.

How can I redeem the reward points that I have earned on my First Classic IDFC Credit Card? 

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

Is there any expiry date on the reward points?

No, the First Classic IDFC Credit Card comes with evergreen reward points. You can use them at any point in time.