Last updated: |Data verified from official bank sources
Entry
IDFC FIRST Classic
IDFC FIRST Bank
Best for: Entry-level LTF card for beginners
FREE
Annual Fee
3%
Reward Rate
N/A
Forex Markup
None
Domestic Lounge
None
Intl Lounge
Best for: Entry-level LTF card for beginners
Fees & Charges
Joining FeeFREE
Annual FeeFREE
Rewards
TypePoints
Base Rate3X offline, 6X online, 10X above ₹20K
Effective Return3%
Lounge Access
DomesticNone
InternationalNone
Railway Lounge16/year (4/quarter)
Eligibility
Minimum Income₹3.0L/year
Welcome Benefits
Benefit₹500 voucher on ₹5K spend in 30 days
Estimated Value₹500
Available on: Visa, RuPay
Frequently Asked Questions
What is the annual fee for IDFC FIRST Classic?▼
IDFC FIRST Classic is a lifetime free card with no annual fee.
What rewards does IDFC FIRST Classic offer?▼
IDFC FIRST Classic offers 3X offline, 6X online, 10X above ₹20K on all spends, with an effective value of 0.75%.
Does IDFC FIRST Classic have lounge access?▼
IDFC FIRST Classic does not include complimentary lounge access.
What is the minimum income required for IDFC FIRST Classic?▼
The minimum income requirement for IDFC FIRST Classic is ₹3.0 lakhs per annum.
Information sourced from IDFC FIRST Bank official website. Last verified: February 2026.
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