IDFC FIRST Classic Credit Card
IDFC First Bank · Visa
Why this card?
- 1.25% back in reward points on dining and food delivery, travel and international spends; 0.38% on other spends
- Lifetime free — no joining or annual fee
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- IDFC First Bank
- Network
- Visa
- Annual Fee
- Lifetime Free
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 1.25% on dining
- Forex Markup
- Zero
- Domestic Lounge
- None
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
IDFC FIRST Classic is a lifetime-free card that offers genuine rewards rather than just a free card placeholder — 10X points (about 1.25% back) on dining, travel, international purchases and birthday spends, a 0% forex markup and a fuel surcharge waiver. No annual fee means there's no cost to hold it long-term, though everyday spends earn only about 0.375% back as points.
Pros
- Lifetime free — zero joining and zero annual fee forever
- 10X reward points (about 1.25% back) on dining, travel, international purchases and birthday spends
- 0% forex markup
- 1% fuel surcharge waiver, with a monthly cap
Cons
- Base earn is low — 3X, about 0.375% back, on other eligible spends, and 1X on utilities, insurance, railway and FASTag
- No lounge access at any tier
- Reward points redemption requires tracking — not automatic cashback