IDFC FIRST Classic
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Classic is a no-annual-fee option centred on travel benefits, dining rewards and international spending.
CardIQ editorial view
Our take
IDFC FIRST Classic is a no-annual-fee option centred on travel benefits, dining rewards and international spending.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People who prefer keeping a card without an annual membership cost.
Key strengths
- 10 points per ₹200 on eligible dining, travel, international and birthday purchases; 3 on other eligible categories.
- 1 point per ₹200 on insurance, utilities, railways and FASTag.
Trade-offs to understand
- 0% foreign-currency markup; reward redemption costs ₹99 + GST.
CardIQ verdict
A sensible long-term choice when you want travel benefits, dining rewards and international spending without a recurring membership charge. Check this condition before applying: 0% foreign-currency markup; reward redemption costs ₹99 + GST.
Compare before deciding
- IDFC FIRST Millennia — A similarly priced alternative for comparing reward points and travel benefits.
- IDFC FIRST Select — A similarly priced alternative for comparing reward points and travel benefits.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 1 point = ₹0.25; points are valid for 24 months under the current programme.
- 1 point per ₹200 on insurance, utilities, railways and FASTag.
- 0% foreign-currency markup; reward redemption costs ₹99 + GST.