IDFC First Classic Credit Card Review

The First Classic Credit Card, provided by IDFC Bank, is a perfect choice for those who desire a super-rewarding credit card and many additional discounts. 

To know more about it, keep reading!

Features and Benefits

Unlimited Reward Points

The IDFC First Classic Credit Card provides reward points that never expire. This way, you won’t have to worry about losing your unused points.

Using this card, you can earn 10X reward points on purchases of more than Rs. 20,000 and on purchases made on your birthday. More than that, the IDFC First Classic Credit Card comes with  6X & 3X reward points on online and in-store purchases up to Rs 20,000,  respectively.  

The reward points collected can be redeemed whenever you wish! They can also be used further, to pay for your purchases.  

You must know that:

  • 1 reward point = Rs. 0.25,
  • 1X = 1 Reward point per Rs. 100 spent.

Railway Lounge Access

The IDFC First Classic Credit Card provides 4 complimentary railway lounge visits every quarter. However, it’s not the best option for those who wish to visit the airport lounges!


The card offers a 25% discount on movie tickets that cost up to Rs. 100, monthly.  You can also dine at your favorite restaurants: there are more than 50 in-App discounts and up to 20% discounts on more than 1,500 restaurants.

The other features of this card are:

  • No redemption fee,
  • No annual or over-limit fees,
  • 2 complimentary golf rounds per month,
  • 15% discount on 3000+ Health & Wellness Outlets,
  • 1%  (up to Rs. 200) fuel surcharge waiver at all fuel stations across India,
  • Personal accident cover of Rs. 2,00,000,
  • Lost card liability cover of Rs. 25,000.

Taxes and fees

Before getting this card, you have to be aware of its main charges:

Annual feeNil
Low-Interest Rates (APR)From 0.75% to 3.5% per month (9% to 42% per annum)
OVL Charges2.5% of the over-limit amount subject to a minimum charge of ₹50
Forex Markup3.5% for all international transactions

You must be aware that these are only the main fees: you may find other ones while reading the service contract.

Eligibility Criteria

Age PolicyYou must be aged 21 years old or above,
AddressYou must qualify as an Indian resident and have a current and permanent residential address within India,
Credit Bureau HistoryYou are expected to have a good credit bureau score and no evidence/history of defaulting on loans or missing payments on loans or credit cards. The Credit Bureau Score is an indicator of how likely a customer is to repay outstanding bills on time,
IncomeMinimum Net Monthly Income = ₹25,000 (subject to change)

If you fit all these criteria and want to apply, you can start the process on the IDFC Bank website!