✓Credwiser.cc
IDFC FIRST Classic
87/100
IDFC FIRST Bank
The dependable Lifetime Free starter card with non-expiring reward points.
Credwiser Score 87/100

IDFC FIRST Classic

IDFC FIRST Bank • The dependable Lifetime Free starter card with non-expiring reward points.

Apply Now →
View Compare

IDFC FIRST Classic delivers a zero-maintenance experience with points that never expire, low dynamic interest rates starting from 9% p.a., and complimentary domestic railway/airport lounge visits.

Annual Fee (+ 18% GST)₹0 (Lifetime Free)
Fee WaiverLifetime Free forever
Joining PerkLifetime Free card with ₹500 welcome voucher upon ₹15k spend
Primary Reward10X points (2.5% return) on spends above ₹20,000 monthly
Airport Lounge Access4 Domestic Lounge visits per quarter (spend-linked)
Forex Markup3.5% + 18% GST
RuPay UPINo
Best ForSalaried beginners seeking a zero-maintenance first credit card with interest-free ATM cash

What We Like

  • Truly Lifetime Free with zero annual fees
  • Reward points never expire and have no redemption fee
  • Interest-free cash withdrawal up to 48 days (only ₹250 flat fee)

Watch Out

  • Base reward rate below ₹20,000 spend is modest (0.75%)
  • Forex markup is 3.5%

MITC & Hidden Charges

Lifetime free card. Interest-free ATM cash withdrawal subject to ₹250 cash advance fee.

IDFC FIRST Classic FAQs

Do IDFC FIRST Classic reward points expire?

No, points earned on IDFC FIRST credit cards have lifetime validity and never expire.

Alternatives to Consider

Amazon Pay ICICI Credit Card
93/100
ICICI Bank
The most popular Lifetime Free card in Indian banking history.
Annual Fee₹0 LTF
Reward5% unlimited Amazon cashback for Prime members
LoungeNo complimentary lounge access
Apply Now →
Detailed Review
OneCard Metal Credit Card
88/100
FPL (Federal/BOB/CSB)
App-first metallic card with an ultra-low 1% foreign exchange markup.
Annual Fee₹0 LTF
Reward5X rewards on top 2 monthly spending categories
LoungeNo complimentary lounge access
Apply Now →
Detailed Review