Card Details
FIRST Classic Card
Card Issuer
IDFC FIRST Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
10X
On dining spends
10X
On travel and international purchases
10X
On birthday spends
3X
On upi spends (up to)
Benefits
Up to 10X reward points on select categories
- Up to 10X Reward Points on dining, travel, international and birthday spends
- 10X reward points on dining, travel, international and birthday spends
1% fuel surcharge waiver
- Lifetime-free card with nil joining and annual fees
- 1% fuel surcharge waiver
25% off on movie tickets
Things to Keep in Mind
Official page shows conflicting fee messaging: 'Joining and Annual Fees: NIL' versus '₹199 + GST' fee statements in UPI-related promo text.
Feature revisions are announced effective 18th June 2026.
The page does not state the eligible fuel transaction range or fuel-waiver cap.
Travel bonus rates are inconsistent across the card page and general credit-card page.
Card insights
What Users Are Saying
Community Feed
Sep 2026
“I've got IDFC First Classic cc last month, can I get Idfc power+ fuel card now?”
by r/CreditCardsIndia, Jul 2026
“Swiggy IDFC CC offer”
by r/CreditCardsIndia, Dec 2025
“I'm officially done with IDFC FIRST Bank Credit Cards”
by r/IndianCreditCards, Sep 2025
Alternatives
If you spend…
Recommendation
Lifetime-free primary
Amazon Pay Credit CardFor Airport lounge access
IDFC FIRST SelectSimilar IDFC entry card
FIRST MillenniaFrequently Asked Questions
Yes. The joining and annual fees are ₹0 with no spend requirement to keep the base card free.
Is the First Classic Credit Card Worth Having in Your Pocket?
₹0 joining and ₹0 annual fee is a real offer, and the "up to 10X Reward Points" headline is also real. But these do not mean that you should treat IDFC First Classic as a primary rewards card. 10 Reward Points per ₹200, at the usual ₹0.25 a point, is about 1.25%. That is the dining, travel, international, and birthday rate. It is not 10% cashback. But if you put your everyday mixed spend through this card, you sit closer to 0.375%. That does not behave like a rewards engine.
Monzy's Verdict on FIRST Classic Card by IDFC
The card only makes sense as a zero-risk secondary card: bank sale discounts, roadside assistance in the glovebox, and railway lounge access in months you already clear ₹20,000. Use it if the fee is already ₹0 and you will actually use those perks. Do not pick it because "10X" sounds like 10%.
Credit Card Information Compiled by : Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
