IDFC • entry
IDFC FIRST Classic Credit Card
First credit card with low income requirement
Annual Fee
FREE
Joining Fee
FREE
Base Rate
1%
Our rating
6.5/10
Our rating is our own hand-set overall judgment of this card — not a computed score. How we set it →
IDFC
IDFC FIRST CLASSIC CREDIT CARD
entry
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VISA
Real Annual Value
What's it actually worth for you?
Monthly SpendRs.50.0K
Gross rewardsRs.4,800
Annual fee-Rs.0
Net annual value+Rs.4,800
Value Breakdown
online (2x)+Rs.1,200
Base rate (1%)+Rs.3,600
Highlights
- Lifetime free
- Low income requirement
- No joining fee
Reward Rates
Earn by category
online
2X
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Questions
Frequently asked questions
What is the annual fee of IDFC FIRST Classic Credit Card?
IDFC FIRST Classic Credit Card is a lifetime free card with zero annual fee.
What is the reward rate on IDFC FIRST Classic Credit Card?
IDFC FIRST Classic Credit Card earns a base rate of 1%. See the reward-rates section above for category accelerators.
How to apply for IDFC FIRST Classic Credit Card?
Apply online through IDFC's website, or use the Apply & Earn button on this page for a direct, unbiased apply link. Eligibility typically needs a credit score of 750+ and income as per bank criteria.