IDFC FIRST bank
IDFC FIRST classic credit card
Get the IDFC FIRST Classic Credit Card — a lifetime free credit card with rewards on everyday spending, railway lounge access, fuel benefits, and no annual fee forever.
Highlights
Main benefits
- Lifetime free credit card
- Reward points never expire
- Up to 10X reward points on select spends
- Complimentary railway lounge access
- 1% fuel surcharge waiver
- Low interest rates
- Easy EMI conversion option
Fees
Fees and charges
Joining fee
0
Renewal fee
0
Annual fee waiver
No annual fee — this card is lifetime free.
Who can apply
Eligibility
- Age: 21–65 years
- Salaried and self-employed applicants can apply
- Stable income source required
- Good credit score preferred (750+ improves approval chances)
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Address Proof
- Income Proof / Salary Slip
- Passport-size Photograph
Process
How to apply
1. Visit the official IDFC FIRST Classic Credit Card page.
2. Click on “Apply Now."
3. Enter your details:
- Mobile number
- PAN card
- Date of birth
- Employment and income details
4. Check eligibility. IDFC FIRST Bank may instantly show your eligibility status.
5. Upload required documents (if needed):
- PAN card
- Aadhaar/address proof
- Salary slips or bank statements
- Income proof for self-employed applicants
6. Complete video KYC / OTP verification for digital approval.
7. Application review and approval. The bank checks:
- Credit score
- Income details
- Employment profile
- Existing banking relationship
8. Card delivery. After approval, the physical card is delivered to your registered address.
Value
Reward and cashback structure
Reward rate
Up to 10X reward points on spends above ₹20,000
Cashback
Reward points on every spend instead of direct cashback benefits.
Good fit
Pros
- No annual fee for lifetime
- Reward points never expire
- Good beginner-friendly credit card
- Complimentary railway lounge access
- Fuel surcharge waiver available
- Easy EMI conversion on purchases
- Low interest rates compared to many cards
Watchouts
Cons
- No major airport lounge access
- Lower cashback compared to premium cards
- Reward system may feel confusing for beginners
- Limited premium lifestyle benefits
- Best rewards available only on select spends
Related
Related cards
कार्ड तुलना करें
कार्ड तुलना करें
| Field | IDFC FIRST classic credit card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | IDFC FIRST bank | HDFC Bank |
| जॉइनिंग फीस | 0 | ₹10,000/- plus Applicable Taxes |
| रिन्यूअल फीस | 0 | ₹10,000/- plus Applicable Taxes |
| Best for | Beginners, everyday spending, shopping, utility bills, and lifetime free benefits | Luxury travel, airport lounge access, and maximum reward points on high spending |
| रिवॉर्ड रेट | Up to 10X reward points on spends above ₹20,000 |
|
| कैशबैक | Reward points on every spend instead of direct cashback benefits | Cashback redemption value: around ₹0.30 per point against statement balance |
| लाउंज एक्सेस | Free railway lounge access with eligible card usage | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| फ्यूल सरचार्ज छूट | 1% fuel surcharge waiver on eligible fuel transactions | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| वेलकम बेनिफिट |
| Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| वार्षिक फीस छूट | No annual fee — this card is lifetime free | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| योग्यता |
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| Apply link | सबमिट | सबमिट |