IDFC FIRST BankIDFC FIRST Classic Credit Card
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IDFC FIRST Bank
IDFC FIRST Classic Credit Card
4.0 / 5visa
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Base reward
- 0.375%
- Min income
- ₹25,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 47.88%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 1.25% | Uncapped |
| Dining | 1.25% | Uncapped |
| Everything else | 0.375% | Uncapped |
Benefits
- ▸10X reward points on dining, travel and international spends; 3X on other eligible spends
- ▸4 complimentary railway lounge visits per quarter (16 per year); no airport lounge access
- ▸1% fuel surcharge waiver (Rs.200-5,000 transactions, capped Rs.200 per statement cycle)
- ▸Interest-free cash withdrawal up to 48 days at domestic and international ATMs
- ▸Reward points valid 24 months; 1 RP = Rs.0.25 (redemption fee Rs.99 + GST)
The good
- + Truly lifetime free with no joining or annual fee
- + Low entry interest-rate band and up to 48-day interest-free ATM cash withdrawal
- + Accelerated 10X rewards on dining, travel and international spends
- + Railway lounge access (4 per quarter)
The catch
- − Low 0.375% base reward rate on general spends
- − 3.5% forex markup despite 10X on international spends
- − No airport lounge access on the Classic variant
- − Rs.99 + GST reward redemption fee erodes value on small redemptions