Key Benefits
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, it provides 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 suits individuals who pay insurance premiums and utility bills frequently, as these transactions earn 1X reward points, and those who spend up to or beyond Rs. 20,000 monthly.
How to maximise rewards on the Idfc First Classic Credit Card?
To maximise rewards, use the card for all utility bill and insurance premium payments to earn 1X points, spend up to Rs. 20,000 to get 3X points, and exceed Rs. 20,000 to earn 10X points. Also, make purchases on your birthday to earn 10X reward points.
Is the Idfc First Classic Credit Card better than a top competing premium card?
While it lacks premium card perks, the Idfc First Classic Credit Card stands out with no fees and strong reward multipliers like 10X points on birthdays and high spends. It is better suited for cost-conscious users seeking rewards without the premium card price tag.