Compare Credit Cards
Side-by-side comparison of IDFC FIRST Classic vs OneCard to help you find the best fit.
Fees & Charges
First Year FeeFREE
Renewal FeeFREE
0First Year FeeFREE
Renewal FeeFREE
0Rewards & Benefits
Reward Rate10X on spends >₹20k/month; 3X on others (Base: 1 RP per ₹200)
Cashback Rate5% cashback on first EMI transaction (up to ₹1000)
Welcome Bonus₹500 voucher on spending ₹5,000 in first 30 days
Lounge Access4 Railway Lounge visits/quarter
Fuel Surcharge Waiver
Reward Rate5X rewards on top 2 categories of the month
Cashback RateInstant discounts via 'Around Me' offers
Welcome BonusMetal Card and 500 bonus points (eligibility based)
Lounge AccessNone
Fuel Surcharge Waiver
Eligibility
Min Income₹25,000/month
Min Credit Score710
Eligible For
salaried
self employed
Min Income₹20,000/month
Min Credit Score700
Eligible For
salaried
self employed
Top Features
- 4 complimentary railway lounge visits per quarter
- Buy 1 Get 1 movie offer (up to ₹100/month)
- Interest-free cash withdrawals for 45 days (₹199 fee)
- Roadside assistance worth ₹1,399
Categories
LifestyleupiRewards
- Lifetime Free with no hidden charges
- 1% low forex markup fee
- Family sharing: Share limit with up to 5 members
- Instant virtual card issuance and app-based security
Categories
LifestyleRewards