What is the annual fee for the IDFC FIRST Bank Classic?

The IDFC FIRST Bank Classic is a lifetime-free credit card with no joining or annual fee.

Does the IDFC FIRST Bank Classic offer airport lounge access?

Yes — the IDFC FIRST Bank Classic offers 4 domestic per quarter lounge visits.

What rewards does the IDFC FIRST Bank Classic earn?

It earns 0.17% on eligible spends as Reward Points.

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

Card Manager

Explore

Catalog

Support

Blog What's New Contact Us Download Android APK

Build your portfolio

Theme

Catalog

Classic — IDFC FIRST Bank Credit Card | Card Manager

Back to Catalog

Catalog reference — not in your portfolio

All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.

IDFC FIRST

entry

•••• •••• •••• 0000

Classic

VISA

Classic

IDFC FIRST Bank • Visa• Entry

catalog

Annual Fee

Free

Base Reward Rate

0.17%

Foreign Tx Fee

3.5%

Tier

Entry

Joining Fee

Free

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

4 per quartermedium

✓ No activation spend required — access is unconditional.

4 railway lounges/qtr (16/yr).

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹34

Dining₹5,000/mo

+₹9

Grocery₹8,000/mo

+₹14

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹9

Online Shopping₹8,000/mo

+₹80

Utilities₹3,000/mo

+₹5

Annual earnings

₹1,796

Blended 0.29% effective return

Monthly spend₹52,000

Monthly earnings+₹150

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

LTF. 10X on spends >₹20K. 6X online (cap ₹20K/mo). 3X offline. 16 railway lounges/yr.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25–₹1 depending on redemption (cashback → flights/transfer).
value range
0.17% base reward rate on all eligible spends. 1 pt/₹150.
0.17%medium
Online: 1% — 6X online (cap ₹20K/mo).
1.0% · cap 20,000/momedium

10X >₹20K: 1.67% — 10X on txns >₹20K.

1.7%medium

Forex

3.5% forex markup on international card transactions
3.5%

Travel

domestic via direct: 4 per quarter — no spend needed
4/quartermedium
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: Free. Annual: Free.
Lifetime free