CardTrail
IDFC FIRST Classic Credit Card credit card
Entry Level

IDFC FIRST Classic Credit Card

IDFC FIRST logo IDFC FIRST
6.7
CardTrail Score
Decent
out of 10
💰 Net Value
4.0
🔓 Accessibility
8.9
⚡ Feature Depth
3.7
🏦 Bank Trust
7.5
How we score →
Compare This Card Full Details
Annual Fee
Free
Forex Markup
3.5%
Reward Rate
0.5%
Up to 1.67%
Lounge Access
0
domestic | 0 intl

About This Card

The IDFC FIRST Classic Credit Card is an entry-level credit card from IDFC FIRST with lifetime free. It offers a base reward rate of 0.5% with up to 5.0% on select categories. Key perks include fuel surcharge waiver. Best suited for first-time card users.

Pros & Cons

Pros

  • No annual or joining fee
  • Low forex markup at 1.99%
  • Fuel surcharge waiver saves on petrol/diesel
  • Easy EMI conversion on purchases

Cons

  • No complimentary lounge access
  • Below-average base reward rate

Fee Details

Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
0.5%
Max Rate
1.67%
Currency
Reward Points
Welcome Bonus
None

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • + Lifetime free — zero annual fee
  • + Up to 5.0% rewards on accelerated categories
  • + Fuel surcharge waiver at all pumps

Compare With...

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Quick Summary

Best For
beginners
Annual Fee Free
Base Reward 0.5%
Max Reward 1.67%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
Compare This Card

CardTrail Score

6.7
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

beginners

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