IDFC FIRST Classic Credit Card
IDFC FIRST Bank
Dining rewardsTravel points
Free
Joining fee
Free
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Lounge access
0 domestic / 0 international / 16 railway visits per year
4 railway lounge visits/quarter — not airport lounge access.
Reward details
1X points on insurance and utility payments
- Up to 10X points on Dining, travel, and international spends
- 10X points on Birthday transactions
Welcome bonus: Welcome gift vouchers worth Rs 500
Redemption
Ratio: 1 point = Rs 0.25; points valid 24 months
- Up to 25% movie ticket discount monthly
- 1% fuel surcharge waiver up to Rs 200/month
- Up to 20% dining discounts at 1,500+ restaurants
- Personal accident cover Rs 2,00,000
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- A good entry-level card for moderate spenders with competitive ~2.5% return rates on accelerated categories and useful category discounts — Paisabazaar
Complaints
- Low reward point redemption value — Paisabazaar
- Absence of airport lounge benefits limits appeal for frequent flyers — Paisabazaar
Sources
- Official — confirmed lifetime-free status only; JS-rendered page did not return full benefit content
- Aggregator — fees, forex, lounge, rewards, sentiment