IDFC FIRST Classic

IDFC FIRST Classic Credit Card is a lifetime-free credit card designed for everyday spending. It offers never-expiring reward points, zero joining and annual fee, and useful lifestyle benefits like movie discounts, fuel surcharge waiver, and railway lounge access.

✔️ Applicant must be an Indian resident or NRI
✔️ Age: 18 to 60 years
✔️ Salaried or self-employed individual
✔️ Minimum income: ₹3 lakh annual (approx.)
✔️ Good CIBIL score (750+ preferred)

✔️ Joining Fee: Nil
✔️ Annual Fee: Nil (Lifetime Free)
✔️ Interest Rate: 0.75% – 3.5% per month
✔️ Cash Advance Fee: ₹199 – ₹250 per transaction
✔️ Forex Markup: ~3.5%
✔️ Late Payment Charges: Up to 15% of due amount 

✔️ Identity Proof (PAN Card mandatory)
✔️ Address Proof (Aadhaar / DL / Voter ID etc.)
✔️ Income Proof (Salary Slip / ITR / Form 16)
✔️ Bank Statements (last 3–6 months)
✔️ Passport-size photographs

Q1. Is IDFC FIRST Classic Credit Card really lifetime free?
Ans. Yes, it has zero joining and annual fee for lifetime.

Q2. What reward points do I earn?
Ans. You earn up to 10X reward points based on monthly spending.

Q3. Do reward points expire?
Ans. No, reward points never expire.

Q4. Does it provide lounge access?
Ans. Yes, railway lounge access is available (with spend condition).

Q5. Who should apply for this card?
Ans. Beginners and users looking for a lifetime-free rewards card.