IDFC Classic credit card credit card
Joining Fee:

FREE

Return Percentage:

0.5% to 1.5%

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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

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Fees and charges at a glance

Annual fee
Free

Nothing to pay each year

Joining fee
Free

No cost to get the card

Reward rate
0.5% to 1.5%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
46.2% p.a.

Only if you don't pay the full bill

Add-on card
₹499

An extra card for family

IDFC Classic credit card — Lounge Access

Railway lounge

4 per quarterquarter
  • Applicable only on minimum monthly spends of ₹20,000.