IDFC First Bank Classic Credit Card: Features, Benefits, Fees

Get Movie Discounts and Lounge Visits with this FREE Credit Card for life. From 0% interest on ATM withdrawals to low interest rates per annum, this Credit Card is your ideal companion

Lifetime free credit card 

Welcome voucher worth ₹500 on spending ₹15,000 within first 90 days

25% discount on movie tickets

Best Value

  • On booking movie tickets every month
  • When you travel frequently on trains

What We Love

  • Welcome voucher worth ₹500 on spending ₹15,000 or more within 90 days of card generation
  • Reward points never expire
  • Interest Free cash withdrawal from any Bank's ATM
  • Complimentary Railway lounge visits (4 per quarter)
  • Regular discounts on movie tickets
  • Personal Accident Cover and Lost Card Liability Cover
  • 15% discount across 3,000+ health and wellness outlets

Fees and List of All charges

  • Joining Fees: Nil
  • Annual Fees: Nil
  • Interest rate: 0.75-3.5% per month
  • Cash Withdrawal charges: Rs 250 per transaction
  • Card Replacement charges: Rs 100

How to redeem IDFC First points?

  • Visit the IDFC First Bank reward redemption portal
  • Click on 'Redeem Points'
  • Choose from the list of brands
  • Add to Cart according to your point balance and checkout after verifying all details

Terms and Conditions


Eligibility Criteria

  • Income group: Rs 25,000 and above
  • Age group: 18-70 years
  • Available across major cities in India

Documents needed

  • PAN Card/Form 60
  • Colour photograph
  • Address proof
  • ID Proof
  • Income proof

What We Don't Like

  • No reward points on insurance and fuel
  • Reward rates are slightly lower than class-leading alternatives