What is the annual fee for IDFC First Classic?

IDFC First Classic is a lifetime free credit card.

What is the reward rate on IDFC First Classic?

IDFC First Classic offers 3% points on general spends. It also earns 1.5% on UPI payments.

Minimum income for IDFC First Classic?

Minimum income required is ₹3.6 lakh per year.

Overview

Rewards

Fees

Score

Verdict

Visa

IDFC First Bank

IDFC First Classic

Annual Fee

FREE

Reward

3% points

GenieScore

41/100

Expert

3.5/5★

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Key Features

🏆

Lifetime FREE — zero annual & joining fee

✈️

3X reward points on dining & online

💰

1.5% rewards on UPI spends

🎁

No interest on cash withdrawals for 48 days

⚡

Best free card for first-time credit card users

Pros

Cons

Quick Specs

💳Card TypePoints

🌐NetworkVisa

💰Annual FeeLifetime Free

🎯Base Reward3% points

✈️LoungeNot included

📱UPI Rewards1.5% on UPI

🌍Forex3.5% + GST

⛽Fuel WaiverNot available

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Community Sentiment

POSITIVE

Positive

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