{"id":85108,"date":"2026-02-03T14:04:05","date_gmt":"2026-02-03T08:34:05","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85108"},"modified":"2026-02-03T14:05:02","modified_gmt":"2026-02-03T08:35:02","slug":"idfc-first-classic-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/idfc-first-classic-credit-card\/","title":{"rendered":"IDFC FIRST Classic Credit Card: The Wallet Wizard for Smart Spending"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The IDFC FIRST Classic credit card comes with zero joining and annual fees.<\/li>\n\n\n\n<li>Earn up to 10X reward points on monthly spends above \u20b920,000.<\/li>\n\n\n\n<li>Enjoy movie, dining, and wellness discounts across thousands of merchants.<\/li>\n\n\n\n<li>Get railway lounge access, insurance covers, and roadside assistance.<\/li>\n\n\n\n<li>Redeem reward points easily via the IDFC FIRST mobile app.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>Tired of paying lump-sum annual fees only for a handful of benefits? Then apply for the IDFC FIRST Classic credit card to enjoy a world of privileges at no cost. Yes, you read that right!<\/p>\n\n\n\n<p>With zero joining or annual fees, enjoy 25% off movie tickets, up to 20% savings on dining, and up to 15% off health and wellness expenses. And that\u2019s not all!&nbsp;<\/p>\n\n\n\n<p>Scroll down to explore more of its features and find out why this card deserves to be in your wallet.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#how-to-use-the-idfc-first-classic-credit-card-for-reward-points\">How to Use the IDFC FIRST Classic Credit Card for Reward Points?<\/a><\/li><li><a href=\"#how-to-redeem-reward-points-earned-on-the-idfc-first-classic-credit-card\">How to Redeem Reward Points Earned on the IDFC FIRST Classic Credit Card?<\/a><\/li><li><a href=\"#terms-and-conditions-about-idfc-first-classic-credit-card-reward-program\">Terms and Conditions about IDFC FIRST Classic Credit Card Reward Program<\/a><\/li><li><a href=\"#what-are-the-idfc-first-classic-credit-card-benefits\">What Are the IDFC FIRST Classic Credit Card Benefits?<\/a><\/li><li><a href=\"#3-additional-idfc-first-classic-credit-card-features\">3 Additional IDFC FIRST Classic Credit Card Features\u00a0<\/a><\/li><li><a href=\"#does-the-idfc-first-classic-credit-card-support-upi-transactions\">Does the IDFC FIRST Classic Credit Card Support UPI Transactions?\u00a0\u00a0<\/a><\/li><li><a href=\"#idfc-first-classic-credit-card-charges\">IDFC FIRST Classic Credit Card Charges<\/a><\/li><li><a href=\"#who-can-apply-for-the-idfc-first-classic-credit-card\">Who Can Apply for the IDFC FIRST Classic Credit Card?<\/a><\/li><li><a href=\"#which-credit-cards-should-be-paired-with-the-idfc-first-classic-credit-card\">Which Credit Cards Should Be Paired with the IDFC FIRST Classic Credit Card?\u00a0<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-use-the-idfc-first-classic-credit-card-for-reward-points\"><strong>How to Use the IDFC FIRST Classic Credit Card for Reward Points?<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/IDFC-First-classic-credit-card-benefits.jpeg\" alt=\"IDFC FIRST Classic Credit Card for Reward Points\" class=\"wp-image-85110\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/IDFC-First-classic-credit-card-benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/IDFC-First-classic-credit-card-benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/IDFC-First-classic-credit-card-benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/IDFC-First-classic-credit-card-benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>IDFC FIRST Classic credit cardholders can use this card for various online and offline payments to earn up to 10X reward points. This includes rent, governmental and education-related expenses.<\/p>\n\n\n\n<p>Here\u2019s how it works:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10X reward points on incremental spends above \u20b920,000 per month.\u00a0<\/li>\n\n\n\n<li>3X reward points on eligible spends till \u20b920,000 per month.\u00a0<\/li>\n\n\n\n<li>1X reward points on insurance, utility, railway spends, and FASTag recharges.\u00a0\u00a0\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Cardholders also earn bonus reward points for travel bookings made via the IDFC FIRST mobile app. Take a look:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50X reward points on hotel booking via the IDFC FIRST mobile app.\u00a0<\/li>\n\n\n\n<li>30X reward points on flight bookings via the IDFC FIRST mobile app.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong><em>Note<\/em><\/strong><em>:&nbsp;<\/em><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Fuel expenses, cash withdrawals and balance transfers are excluded from the reward program.\u00a0<\/li>\n\n\n\n<li>1 Reward Point equates to \u20b90.25.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-redeem-reward-points-earned-on-the-idfc-first-classic-credit-card\"><strong>How to Redeem Reward Points Earned on the IDFC FIRST Classic Credit Card?<\/strong><\/h2>\n\n\n\n<p>Cardholders can redeem the reward points earned on the IDFC FIRST Classic credit card for shopping, hotel reservations and flight bookings via the IDFC FIRST mobile banking app.\u00a0\u00a0<\/p>\n\n\n\n<p>A maximum of 70% of the total purchase can be redeemed using reward points. One can redeem up to 100,000 reward points per month and 200,000 points per year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"terms-and-conditions-about-idfc-first-classic-credit-card-reward-program\"><strong>Terms and Conditions about IDFC FIRST Classic Credit Card Reward Program<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1X means 1 reward point per \u20b9200, effective from 18th Jan\u201926.<\/li>\n\n\n\n<li>Transactions like rent, property management, education, government services and wallet top-up are ineligible for 10X reward points.<\/li>\n\n\n\n<li>Bonus reward points are credited on the 5th of the next calendar month.<\/li>\n\n\n\n<li>Bonus reward points are eligible on solely cash or credit card transactions; no \u2018cash + points\u2019 transactions are eligible for reward points.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-idfc-first-classic-credit-card-benefits\"><strong>What Are the IDFC FIRST Classic Credit Card Benefits?<\/strong><\/h2>\n\n\n\n<p>IDFC FIRST Classic cardholders can enjoy over 300 merchant offers, complimentary access to railway lounges and exclusive entertainment discounts with every swipe. Take a look at all the key benefits:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Welcome Benefit<\/strong>\n<ol class=\"wp-block-list\">\n<li>Receive a \u20b9500 gift voucher from brands like Amazon, Uber, Bigbasket and Lifestyle by spending \u20b95000 within 30 days of card generation.\u00a0\u00a0<\/li>\n\n\n\n<li>Get 5% cashback of up to \u20b91000 on the first EMI transaction using the IDFC FIRST Classic credit card within the first 30 days of issuance.\u00a0<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Note<\/strong>: Spends like UPI, wallet load, EMI conversions and cash withdrawal are not counted. Also, gold and jewellery spending do not qualify for EMI conversion.\u00a0<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Travel and Insurance Benefit<\/strong>\n<ol class=\"wp-block-list\">\n<li>Spend a minimum of \u20b920,000 in a statement cycle and get complimentary access to railway lounges (up to 4 times per quarter).<\/li>\n\n\n\n<li>Dial 1800 572 3860 to get free roadside assistance worth \u20b91399 via Global Assure anywhere in India up to 4 times a year.<\/li>\n\n\n\n<li>Make at least 1 transaction in the last 30 days and get a personal accident cover of \u20b9200,000 and a lost card liability cover of \u20b925,000.\u00a0\u00a0<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p><strong>Note<\/strong>: Eligible users must swipe their cards on the DreamFolks PoS terminal and pay a \u20b92 card validation fee to get complimentary lounge access.\u00a0<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Lifestyle Benefit\u00a0\u00a0<\/strong>\n<ol class=\"wp-block-list\">\n<li>Purchase movie tickets on the District by Zomato mobile app and get a 25% discount, up to \u20b9100 once a month.\u00a0<\/li>\n\n\n\n<li>Get up to 20% discount at over 1500 partnered restaurants.\u00a0\u00a0<\/li>\n\n\n\n<li>Enjoy up to 15% discounts at 3000+ health and wellness outlets.\u00a0<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p><a href=\"https:\/\/firstrewards.in\/deal\" target=\"_blank\" rel=\"noopener\">Click here<\/a> to explore all the offers from our partnered merchants.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"3-additional-idfc-first-classic-credit-card-features\"><strong>3 Additional IDFC FIRST Classic Credit Card Features&nbsp;<\/strong><\/h2>\n\n\n\n<p>Beyond rewards and redemptions, the IDFC FIRST Classic Credit Card offers several additional features designed to enhance convenience and financial flexibility:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Convert large digital transactions into easy EMIs effortlessly.<\/li>\n\n\n\n<li>Get interest rates (APR) as low as 8.5% per year.\u00a0<\/li>\n\n\n\n<li>Pay a cash withdrawal fee of \u20b9199 + applicable GST to withdraw cash without any interest for up to 45 days.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"does-the-idfc-first-classic-credit-card-support-upi-transactions\"><strong>Does the IDFC FIRST Classic Credit Card Support UPI Transactions?&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>IDFC FIRST Classic Credit Cardholders can access the UPI payment feature by applying separately for the RuPay variant for \u20b9199. All you have to do is:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to the official website and navigate to \u2018Credit Cards\u2019 > \u2018RuPay Digital Card\u2019.\u00a0<\/li>\n\n\n\n<li>Click on \u2018Apply Now\u2019 and verify your registered mobile number with OTP.\u00a0<\/li>\n\n\n\n<li>Fill in the virtual form and provide consent to activate UPI.\u00a0<\/li>\n\n\n\n<li>Submit your application, and your IDFC FIRST Digital RuPay card will be generated instantly.\u00a0\u00a0<\/li>\n\n\n\n<li>Link your RuPay card to your preferred UPI partner to make UPI transactions and win rewards.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> The UPI payment feature is not available on the Visa or Mastercard variants of the IDFC FIRST Classic Credit Card<em>.<\/em><\/p>\n\n\n\n<p>Rewards on UPI transactions are:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% cashback up to \u20b9200 on the first transaction.<\/li>\n\n\n\n<li>3X reward points on UPI payments of \u20b92000 and above.<\/li>\n\n\n\n<li>1X reward point on UPI spends below \u20b92000.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"idfc-first-classic-credit-card-charges\"><strong>IDFC FIRST Classic Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The IDFC FIRST Classic credit card is a lifetime-free credit card with zero joining and annual fees. However, the card attracts several other charges:\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fee Type<\/strong><\/td><td><strong>Amount + GST<\/strong><\/td><\/tr><tr><td>Add-on card annual charges<\/td><td>\u20b9499<\/td><\/tr><tr><td>Late Payment Charges<\/td><td>15% of the total amount due (minimum of \u20b9100 and a maximum of \u20b91300)<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or \u20b9550 (whichever is higher)<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9199<\/td><\/tr><tr><td>Interest Rate<\/td><td>8.5% &#8211; 46.2% per annum<\/td><\/tr><tr><td>Forex Charges<\/td><td>3.5%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-can-apply-for-the-idfc-first-classic-credit-card\"><strong>Who Can Apply for the IDFC FIRST Classic Credit Card?<\/strong><\/h2>\n\n\n\n<p>The IDFC FIRST Classic credit card eligibility is available to all Indian citizens. However, they:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Have an annual income of \u20b93,00,000 or more.<\/li>\n\n\n\n<li>Must have a credit score of 750 and above.<\/li>\n\n\n\n<li>Have all the required documents, including PAN card, Aadhaar card, salary slips, or income tax returns for income proof.<\/li>\n<\/ul>\n\n\n\n<p>Apply for the IDFC FIRST Classic Credit Card if you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cost-conscious customers with an income of 3 LPA<\/li>\n\n\n\n<li>Have a monthly spend of \u20b920,000 or more.<\/li>\n\n\n\n<li>Prefer a reward-rich card with a zero renewal fee.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-credit-cards-should-be-paired-with-the-idfc-first-classic-credit-card\"><strong>Which Credit Cards Should Be Paired with the IDFC FIRST Classic Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Existing IDFC FIRST Classic credit cardholders can only apply for co-branded cards. However, it will share the IDFC FIRST Classic credit card limit.<\/p>\n\n\n\n<p>You may consider the following options to create a diverse credit portfolio:&nbsp;&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>IndiGo IDFC FIRST Dual Credit Card<\/strong>: This card is ideal for frequent flyers who enjoy optimum travelling flexibility.\u00a0<\/li>\n\n\n\n<li><strong>IDFC FIRST Power\/ Power+ Credit Cards<\/strong>: If you are a daily commuter, you can apply for these HPCL-powered cards for maximum fuel savings.\u00a0<\/li>\n\n\n\n<li><strong>IDFC FIRST LIC Select\/ LIC Classic Credit Cards<\/strong>: Earn up to 10X rewards on essential payments like insurance premiums with these IDFC FIRST Bank and LIC co-branded cards.\u00a0<\/li>\n<\/ol>\n\n\n\n<p>In addition to these, you can also apply for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Add-on Cards<\/strong>: You can apply for add-on cards for adult family members. Each add-on card costs \u20b9199 + GST.\u00a0<\/li>\n\n\n\n<li><strong>Stories<\/strong>: Personalise your existing IDFC credit cards with your close-to-heart images with a nominal charge of \u20b9499 + GST.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udca1Already have the IDFC FIRST Classic Credit Card? Connect it to <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a> and pay your credit card payments in one tap!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The IDFC FIRST Classic credit card is a solid lifetime-free option for value seekers. With generous reward points, lifestyle discounts, travel perks, and low APRs, it suits everyday spending without fee pressure, making it an easy, long-term addition to your wallet.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1770107288576\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the IDFC FIRST Classic credit card lifetime free?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, the IDFC FIRST Classic credit card has zero joining and annual fees.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770107302433\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many reward points can I earn monthly?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can earn up to 10X reward points based on your spending slabs.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770107313535\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the value of 1 reward point?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>On the IDFC FIRST Classic credit card, 1 reward point equals \u20b90.25.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770107326185\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can I use the IDFC FIRST Classic credit card on UPI?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, via the RuPay variant, which requires a separate \u20b9199 application.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770107341040\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can reward points be used for flights and hotels?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, points can be redeemed for flights and hotels through the IDFC FIRST app.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways Tired of paying lump-sum annual fees only for a handful of benefits? Then apply for the IDFC FIRST Classic credit card to enjoy a world of privileges at no cost. Yes, you read that right! With zero joining or annual fees, enjoy 25% off movie tickets, up to 20% savings on dining, and [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85109,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85108","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85108"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85108\/revisions"}],"predecessor-version":[{"id":85121,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85108\/revisions\/85121"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85109"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85108"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85108"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}