Joining Fee:
Apply NowFREE
Return Percentage:0.5% to 1.5%
Credit Card Overview
A First Classic entry-level card offering basic rewards on shopping and dining, crafted for first-time credit cardholders.
Best Suited For: Cashback, Catalogue Products
IDFC
Fees and charges at a glance
- Annual fee
- Free
- Joining fee
- Free
- Reward rate
- 0.5% to 1.5%
- Forex markup
- 3.5%
- Interest rate
- 46.2% p.a.
- Add-on card
- ₹499
Nothing to pay each year
No cost to get the card
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
IDFC Classic credit card — Earn Categories
Other categories
- Spends > ₹20K10 reward points / ₹150
Applicable on purchases for spends up to ₹20,000 per month.
- Offline3 reward points / ₹150
Everyday rate
- Base Rewards1 Reward Point (reward points) / ₹150
3 more earning categories on this card
We track all 6 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- EMI
- Wallets
- Fuel
- Jewellery