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IDFC FIRST Classic Credit Card
IDFC FIRST Bank
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 26 Sept 2026
Reward Program
IDFC FIRST Reward Points1 point = ₹0.25
| Category | Earn Rate | Monthly Cap |
|---|---|---|
dining | 1.25% | No cap |
travel | 1.25% | No cap |
| All other spends | 0.13% | No cap |
Redemption fee: 99
🔁
Managed via IDFC FIRST Rewards
Transfer partners
Gift vouchers and products at 1 Reward Point = ₹0.25 — the general rate, published on every IDFC FIRST card page.Travel bookings made inside the IDFC FIRST Bank Mobile App redeem better on four cards: FIRST Private at ₹1.00, Mayura and FIRST WOW! Black at ₹0.50, and Ashva at ₹0.40. The channel covers hotel and flight bookings only.₹99 is charged per redemption transaction, whichever channel is used.
Live Offers
84 activeHomecentreRs. 5000 off on a minimum shopping of Rs. 24,999
₹5,000 off
HCFUR5KTill 31 DecPepperfry10% Instant Discount up to ₹1,600
10% off
VISAPF1600Till 31 DecGRT JewellersFlat 1.5% off on gold jewellery orders above Rs.20,000. Max discount is Rs.1,500.
1.5% off
GRTVISA1500Till 31 OctAir IndiaGet additional Rs 1000 off on International flights
₹1,000 off
ADNAIRTill 31 DecEaseMyTripRs.1,000 off on min booking amount of Rs.15,000 for International flight.
₹1,000 off
EMTVISATill 31 DecBenefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 0% |
| Interest Rate | 46.2% p.a. |
| Cash Advance Fee | ₹199 + GST per transaction, flat, with 0% interest for up to 45 days. |
| Reward Redemption Fee | 99 |
