Lifetime free
IDFC FIRST Classic Credit Card
A lifetime-free card with 0% forex markup, 10X points on dining, travel and international spends, railway lounges and roadside assistance.
Joining feeFree
Annual feeLifetime free
Fee waiverNot needed
Top reward10X on dining, travel, international
Lounge4 railway a quarter (spend-based)
Forex markup0%
Best for: Anyone who wants a free card for dining, travel and trips abroad.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining, travel, international, and all spends on your birthday | 10 points per ₹150 (about 1.7%) | – |
| Hotels and flights in the IDFC FIRST app | Bonus points (20% on hotels, 8% on flights) | – |
| Other spends | 1 point per ₹150 | – |
| Insurance and utility bills | 1 point per ₹150 | – |
| Fuel, EMI, cash withdrawals | Nothing | – |
- 1 point = ₹0.25; points valid for 24 months.
- IDFC FIRST says international spends stop earning on most of its cards from 26 Oct 2026.
Benefits
Welcome benefit
- ₹500 voucher on ₹15,000 spend within 90 days.
Milestones
- None.
Travel and lounges
- 4 railway lounge visits a quarter with ₹20,000 monthly spend.
- No airport lounges.
Fuel and forex
- 0% forex markup.
- 1% fuel surcharge waiver on ₹200 to ₹5,000, up to ₹200 a month.
Other perks
- Roadside assistance
- 25% off movies up to ₹100 once a month
- Personal accident cover of ₹2 lakh
Fees and charges
| Joining fee | Free |
|---|---|
| Annual fee | Lifetime free (UPI RuPay add-on ₹199) |
| Forex markup | 0% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed; IDFC FIRST decides income case by case
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- No annual fee
- 0% forex markup
- Good rate on dining and travel
Watch out for
- Low base rate
- No airport lounges
- International earn may stop
Recent changes
- 26 Oct 2026International spends stop earning on most IDFC FIRST cards.
- 9 Sep 2026Forex markup cut to 0% on IDFC FIRST cards.
Frequently asked questions
Is IDFC FIRST Classic lifetime free?
Yes, there is no joining or annual fee.
Ready to apply for the IDFC FIRST Classic Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
Apply nowSimilar cards
Sources: Paisabazaar. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.