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IDFC FIRST Bank

IDFC FIRST Classic Credit Card

4.0Best for travel

Lifetime free

How this card earns

Reward rates by category, with caps and an estimated yearly value.

Spend category	Reward rate	Monthly cap	Est. value/yr
Travel 10X Reward Points per Rs.200 on dining, travel and international spends. 1 RP = Rs.0.25, so 10 RP per Rs.200 = Rs.2.50 per Rs.200 = 1.25% value-back. Redemption fee Rs.99 + GST applies.	1.25%	—	₹1,500
Dining 10X Reward Points per Rs.200 on dining (same 1.25% value-back). 1 RP = Rs.0.25.	1.25%	—	₹1,500
Everything else 3X Reward Points per Rs.200 on other eligible spends = 3 RP per Rs.200 = Rs.0.75 per Rs.200 = 0.375% value-back. 1 RP = Rs.0.25; redemption fee Rs.99 + GST.	0.375%	—	₹450
All other spends	0.375%	—	₹450

Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.

Joining feeLifetime free

Annual feeLifetime free

Annual fee waiverLifetime free - no joining or annual fee

Foreign currency markup3.5%

Finance charge (p.a.)47.88%

Fuel surcharge waiver1%, up to ₹200/mo

10X reward points on dining, travel and international spends; 3X on other eligible spends
4 complimentary railway lounge visits per quarter (16 per year); no airport lounge access
1% fuel surcharge waiver (Rs.200-5,000 transactions, capped Rs.200 per statement cycle)
Interest-free cash withdrawal up to 48 days at domestic and international ATMs
Reward points valid 24 months; 1 RP = Rs.0.25 (redemption fee Rs.99 + GST)

+Truly lifetime free with no joining or annual fee
+Low entry interest-rate band and up to 48-day interest-free ATM cash withdrawal
+Accelerated 10X rewards on dining, travel and international spends
+Railway lounge access (4 per quarter)