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Overview
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Score
Verdict
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IDFC First Bank
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IDFC First Classic
Visa
IDFC First Bank
IDFC First Classic
Annual Fee
FREE
Reward
3% points
GenieScore
41/100
Expert
3.5/5โ
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Overview
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Rewards
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Fees
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Score
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Verdict
Key Features
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Lifetime FREE โ zero annual & joining fee
โ๏ธ
3X reward points on dining & online
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1.5% rewards on UPI spends
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No interest on cash withdrawals for 48 days
โก
Best free card for first-time credit card users
Pros
Cons
Quick Specs
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Card Type
Points
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Network
Visa
๐ฐ
Annual Fee
Lifetime Free
๐ฏ
Base Reward
3% points
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Lounge
Not included
๐ฑ
UPI Rewards
1.5% on UPI
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Forex
3.5% + GST
โฝ
Fuel Waiver
Not available
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Community Sentiment
POSITIVE
Positive
IDFC First
Classic
VISA
Annual fee
Lifetime Free
Joining fee
None
Reward
3% points
GenieScore
41/100
Apply Now
Compare Cards
GenieScore
41
/100
Average
10-factor algorithmic rating
See full breakdown โ
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Apply Now on IDFC First Bank
IDFC First Classic Review 2026 โ Rewards, Fees & Benefits | CardGenie | CardGenie