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IDFC FIRST Classic Credit Card
🆓 Lifetime free
IDFC FIRST Bank

IDFC FIRST Classic Credit Card

★ 4.2 / 5 ⓘ How we rate

Lifetime free card with up to 10X rewards and railway lounges

✅ Verified Oct 2026 from IDFC FIRST Bank's official terms →

🆓 Lifetime Free🎁 3X – 10X reward points
Apply Now — it's free → 🔒 You'll apply on IDFC FIRST Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

🔟
Up to 10Xon spends above ₹20k/month
🚆
16 railway lounges4 every quarter
🆓
Lifetime freeno annual fee ever
👤
Perfect for

First-time card users who want a free card that keeps rewarding

Key benefits

  • 10X reward points on monthly spends above ₹20,000 and on your birthday
  • 6X reward points on online spends, 3X on offline spends
  • 4 free railway lounge visits every quarter (16 a year)
  • Reward points never expire
  • ₹500 gift voucher on ₹15,000 spend within 90 days
  • 1% fuel surcharge waiver (up to ₹200/month)
Like these benefits?Lifetime free — nothing to lose.
Apply Now →

What's great

  • Lifetime free
  • Points never expire
  • Railway lounge access is rare on free cards

Good to know

  • 10X only after ₹20,000 monthly spend
  • No airport lounge access
  • 3.5% forex markup

Quick facts

Fee waiverLifetime free — no joining or annual fee
Lounge access4 railway lounges/quarter (no airport)
Min. income₹3 lakh/year
Age18+ years
Credit score720+
NetworkVisa
Forex markup3.5%
Joining feeFREE

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill0.71% – 3.85%/month (based on profile)
Foreign currency markup3.5%
Cash withdrawal fee₹199 per withdrawal
Late payment fee15% of amount due (₹100 – ₹1,000)
  • Interest-free cash withdrawal for up to 48 days
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ IDFC FIRST Classic — common questions

Is the IDFC FIRST Classic Credit Card lifetime free?

Yes. The IDFC FIRST Classic Credit Card has no joining fee and no annual fee.

What rewards does the IDFC FIRST Classic Credit Card give?

3X – 10X reward points. 10X reward points on monthly spends above ₹20,000 and on your birthday.

Who is eligible for the IDFC FIRST Classic Credit Card?

Minimum income: ₹3 lakh/year. Age: 18+ years. Credit score: 720+. Final approval is decided by the bank.

Does the IDFC FIRST Classic Credit Card give airport lounge access?

Yes — 4 railway lounges/quarter (no airport).

What is the forex markup on the IDFC FIRST Classic Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the IDFC FIRST Classic Credit Card?

First-time card users who want a free card that keeps rewarding.

Explore🆓 Lifetime Free Cards🌱 First Credit Card🔴 IDFC FIRST Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

IDFC FIRST Bank FIRST Classic🆓 Lifetime free · Apply in ~5 min
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