The IDFC First Classic is lifetime free, earns 3X Reward Points Upto Spends ₹20000, includes 4 railway lounge visits a quarter and charges a 0% forex markup.
| Annual fee | None |
|---|---|
| Joining fee | None |
| Base rewards | 3X Reward Points Upto Spends ₹20000 |
| Lounge access | 4 railway lounge visits a quarter |
| Forex markup | 0% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
245 online offers across 166 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- ixigo: Rs.10000 Discount · till 31 Dec
- Croma: Rs.3000 Discount · till 31 Oct
- Yatra: Upto Rs.1800 off · till 31 Dec
- Air India: Get additional Rs.1000 off · till 31 Dec
- EaseMyTrip: Get Rs.1000 off · till 31 Dec
These are IDFC First Bank's own offers and Visa network offers, so they apply to every IDFC First Bank Visa card, not just this one. All IDFC First Bank offers by category.
More about the Idfc First Classic Credit Card
Is the Idfc First Classic Credit Card worth it in 2026?
Yes, the Idfc First Classic Credit Card is worth it in 2026 as it offers no joining or annual fees and rewards like 10X points on birthdays and crossing Rs. 20,000 spends. Additionally, you get 4 complimentary railway lounge visits per quarter, adding value for frequent travelers.
Who should get the Idfc First Classic Credit Card?
This card is ideal for users who want to earn high reward points on special occasions and regular spends without paying fees. It's perfect for those who pay insurance premiums and utility bills, as they earn 1X points, and for travelers who can benefit from complimentary railway lounge access.
How to maximise rewards on the Idfc First Classic Credit Card?
To maximise rewards, spend over Rs. 20,000 monthly to earn 10X reward points, and make sure to use the card on your birthday for 10X points as well. Also, pay insurance premiums and utility bills with this card to earn 1X points on those transactions.
Is the Idfc First Classic Credit Card better than a top competing premium card?
While premium cards may offer higher rewards and luxury benefits, the Idfc First Classic Credit Card stands out with no joining or annual fees and strong reward points on birthdays and high spends. It provides good value for budget-conscious users seeking rewards without extra costs.