IDFC FIRST BankFIRST Classic
IDFC FIRST Bank ·
FIRST Classic
Joining ₹0 · Annual ₹0 · Lifetime free
Earns Reward points · assumed 0.25 ₹/point. ₹0.25 per point per IDFC's rewards terms
Verified 13 Aug 2026Forex markup3.5%
Fuel surcharge1% surcharge waived
EMI₹99 or 1% of the transaction, whichever is higher, plus GST processing fee · A converted purchase stops earning rewards · ₹99 or 1% of the purchase, whichever is larger, plus a pre EMI interest charge to the next statement. · Transactions converted to EMI earn no points
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 0.75% | Base rate |
| Amazon | 0.75% | Base rate |
| Flipkart | 0.75% | Base rate |
| Subscriptions & OTT | 0.75% | Base rate |
| Offline spend | 0.75% | Base rate |
| UPI spending | 0% | IDFC's UPI linking notes apply to its RuPay variants, check before assuming |
| Dining | 0.75% | Base rate |
| Swiggy | 0.75% | Base rate |
| Zomato | 0.75% | Base rate |
| Groceries | 0.75% | Base rate |
| Quick commerce | 0.75% | Base rate |
| Swiggy Instamart | 0.75% | Base rate |
| Blinkit | 0.75% | Base rate |
| BigBasket | 0.75% | Base rate |
| Movies & shows | 0.75% | Base rate |
| BookMyShow | 0.75% | Base rate |
| PVR INOX | 0.75% | Base rate |
| Fuel | 0% | No points on fuel |
| Travel (general) | 0.75% | Base rate |
| Flights | 0.75% | Base rate |
| Hotels | 0.75% | Base rate |
| MakeMyTrip | 0.75% | Base rate |
| IRCTC rail | 0.25% | Railways earn 1X |
| International | −2.75% | 0.75% reward − 3.5% forex markup |
| Utilities & bills | 0.25% | 1X on utilities, insurance, FASTag and railways |
| Rent | 0.75% | Base rate |
| Education fees | 0.75% | Base rate |
| Insurance premiums | 0.25% | 1X |
| Government & tax | 0.75% | Base rate |
| Wallet loads | 0.75% | Base rate |
| Anything else | 0.75% | Base rate |
| Jewellery | 0.75% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Reward points expire 24 months from credit
Other exclusions
- Transactions converted to EMI earn no points
What we liked
- Lifetime free with IDFC's short exclusion list
- 10X on spends above ₹20,000 a month
- The same reward structure as Millennia on a card some branches hand out more readily
What to mind
- 0.75% base below the monthly step
- Points now expire 24 months from credit
- No lounge access at this tier
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.
- https://www.idfcfirst.bank.in/credit-card/benefits/rewards-points
- https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf