IDFC FIRST Classic Credit Card

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

Fees & charges

Key benefits

• 10X reward points on dining, travel, international spends and birthday spends; 3X on other eligible spends; 1X on utilities, insurance, railway spends and FASTag recharges
• 4 complimentary railway lounge visits per quarter; from 20 Feb 2025 this requires Rs.20,000 of spend in the current calendar month to use in the following month. No airport lounge access is published
• 25% off up to Rs.100 on movie tickets each month, provided at least one transaction was made in the previous calendar month
• 1% fuel surcharge waiver (Rs.200-5,000 transactions, capped Rs.200 per statement cycle)
• Interest-free cash withdrawal for up to 45 days at domestic ATMs, subject to a Rs.199 + GST cash withdrawal fee per transaction
• Personal accident cover of Rs.2,00,000 and lost-card liability cover of Rs.25,000, valid on making at least one transaction in the last 30 days
• Complimentary roadside assistance worth Rs.1,399, up to 4 times a year
• Reward points valid 24 months; 1 RP = Rs.0.25 (redemption fee Rs.99 + GST)
• Reward points are earned only on spends up to your credit limit per billing cycle; spends beyond it earn nothing
• Optional digital RuPay variant for UPI at Rs.199 joining and Rs.199 annual fee from the second year
• International purchases cease earning points from 26 October 2026. Current earning must not be projected past that change without checking revised terms.