IDFC FIRST Classic
High Approval approval
Lifetime Free Rewards with No Expiry
LifestyleupiRewardsVisa/Mastercard/RuPay
Annual Fee
FREE
Rewards
10X on spends >₹20k/month; 3X on others (Base: 1 RP per ₹200)
Interest Rate
0.75% - 3.65% p.a.
Min Income
₹25K/month
Overview
A highly accessible lifetime-free card that offers significant value for monthly spends above ₹20,000 and unique perks like railway lounge access.
Key Benefits
- 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
Best For
- Beginners
- UPI users
- Low interest seekers
Requirements
- Age 21-60
- Minimum monthly income ₹25,000
Additional Details
Lounge Access4 Railway Lounge visits/quarter
Fuel Surcharge WaiverNo
Fee Waiver SpendNo
Welcome Bonus₹500 voucher on spending ₹5,000 in first 30 days
Things to know
- Reward base revised in 2026 (now 1 RP per ₹200 spent)
- 1X rewards on Insurance and Utilities
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