📝 TL;DR: The IDFC FIRST Classic Credit Card Review reveals that this is one of the few lifetime-free cards in India offering up to 3% rewards, zero annual fee, and interest-free cash withdrawals for up to 48 days. It’s great for salaried professionals, first-time credit users, and EMI-focused spenders who want savings without annual cost.
In this IDFC FIRST Classic Credit Card Review, I’ll walk you through how this zero-fee card performs for everyday use, monthly bill payments, and offline EMI purchases. What impressed me was the high interest-free period and low APR — something rarely found in lifetime-free cards. Plus, I got over ₹900 cashback on routine bill payments and fuel in my first 3 months.
📊 Rewards Snapshot:
| Spend Category | Monthly Spend | Reward Rate | Estimated Cashback |
|---|---|---|---|
| Online & Offline Retail | ₹10,000 | 2.5% | ₹250 |
| Bill Payments, Fuel, UPI | ₹6,000 | 1.5% | ₹90 |
| Total Monthly Cashback | ₹340 | ||
Absolutely. If you’re new to credit cards or looking to maintain a high credit score with minimal fees, this card is a no-brainer. I liked that it comes with no joining or annual fee, so even low spenders benefit without worrying about breakeven thresholds. The free airport lounge visit and zero-cost EMI features were an added bonus.
💡 Top Benefits at a Glance:
💰 Charges & Fees:
Overall, the IDFC FIRST Classic Credit Card is ideal for practical users — especially first-timers and budget-conscious shoppers. I found it especially helpful for managing monthly bills and routine shopping with zero fees and auto cashback. If you want a card that rewards you for regular spending without maintenance costs, this one’s hard to beat.
🔗 Official Source: IDFC FIRST Bank – Classic Credit Card
🎙️ Voice Search Tip: Ask: “Is the IDFC FIRST Classic Credit Card really lifetime free?” → Yes, it truly is. This card comes with zero joining or annual charges for life. You also earn up to 3% rewards on offline spends, and 1.5% on utility bills, UPI, and fuel — all with no redemption complexity. Rewards are automatically added and redeemable anytime through the app. I found this incredibly convenient for paying electricity bills and EMI purchases — the savings stacked up without any effort or tracking.
📝 TL;DR: The IDFC FIRST Classic Credit Card is a rare lifetime-free card offering up to 3% reward rate on offline purchases, 1.5% on utilities and fuel, and no annual fee ever. You also get zero-interest ATM withdrawals for 48 days, railway lounge access, and welcome rewards — all packed into one no-nonsense, everyday-use card.
💬 I use this card regularly for utility bills, supermarket runs, and even EMI transactions — and the reward tracking via the IDFC app is seamless. It genuinely feels like a savings tool, not just a payment method.
🗣️ “Zero fees, auto rewards, and instant EMI conversions — feels like a responsible spender’s best friend.” – Real cardholder feedback
| Total Amount Due | Late Fee |
|---|---|
| Up to ₹100 | ₹100 |
| ₹101 – ₹500 | ₹400 |
| ₹501 – ₹10,000 | ₹750 |
| Above ₹10,000 | ₹1,200 |
Yes. There’s no joining or annual fee — not even hidden charges. You just pay when you redeem rewards (₹99 + GST), and that’s it.
❌ No rewards on rent payments, cash withdrawals, EMI conversions, wallet loads, or government charges.
✅ Looking for a no-maintenance, rewards-packed card? Apply for IDFC FIRST Classic Credit Card →
📌 Disclaimer: All benefits, charges, and cashback rates are verified as of June 2025. For most accurate updates, please visit the official IDFC card page.
We evaluated the IDFC FIRST Classic Credit Card across categories like cost-efficiency, reward simplicity, EMI flexibility, and suitability for first-time cardholders. Here’s how it performs if you’re looking for a no-fee, everyday-use credit card that delivers on value and peace of mind.
| Category | Rating | Remarks |
|---|---|---|
| Reward Efficiency | ⭐️⭐️⭐️⭐️ | Great for large retail spends & monthly billers — earns up to 3% on offline and 1.5% on bills/fuel |
| Daily Use Value | ⭐️⭐️⭐️⭐️⭐️ | Zero annual fee, quick EMI setup, no-fuss reward redemption — perfect for salaried users |
| Redemption Simplicity | ⭐️⭐️⭐️⭐️ | Rewards don’t expire, redeemable via IDFC app — ₹99 + GST redemption fee applies per request |
| Cost of Ownership | ⭐️⭐️⭐️⭐️⭐️ | Truly lifetime-free — no hidden annual/joining fees, even for low spenders |
| Overall Utility | ⭐️⭐️⭐️⭐️ | Excellent for bill payments, EMI shoppers, and credit-builders — I’ve saved ₹800+ in 3 months without any extra effort |
🔍 Summary: The IDFC FIRST Classic Credit Card is a powerful choice for users who want no annual fees, solid offline rewards, and a dependable credit tool to manage bills, EMIs, and spending. In my experience, it’s a set-it-and-forget-it card that rewards you just for paying your regular expenses.
Thinking about the IDFC FIRST Classic Credit Card in 2025? This detailed review breaks down how it performs in real-world usage — from offline shopping rewards to interest-free cash withdrawals and EMI management.
📝 TL;DR: The IDFC FIRST Classic Credit Card is a true lifetime-free credit card offering up to 3% rewards on offline spends, 1.5% on fuel, utilities & UPI, and zero joining/annual fees forever. Ideal for first-time users, salaried professionals, and monthly bill payers.
💬 I personally use this card for groceries, utility bills, and converting big purchases into EMI — it saves me money and keeps my budget predictable without worrying about annual charges.
Joining Fee: ₹0 (Lifetime Free)
Annual Fee: ₹0 (No spending condition)
Best Suited For: Salaried professionals, EMI users, and smart monthly spenders
Reward Type: Fixed Reward Rate (convertible via IDFC app)
Special Feature: Interest-free cash withdrawals for up to 48 days
★★★★☆
(4.4/5)
⭐ Based on cost-benefit, EMI support & reward structure for daily spending.
Example: Spend ₹6,000 on shopping + ₹4,000 on utility bills — earn ₹180 (3%) + ₹60 (1.5%) = ₹240 rewards, redeemable anytime through the IDFC app.
Yes — no joining or annual fee, and no minimum spending condition. You’ll only pay ₹99 + GST when redeeming rewards.
🔔 Note: A great long-term card if you want to avoid annual fees while earning fixed rewards on bills, fuel, and shopping. Ideal for salaried users and credit beginners.
Yes — this card is designed for practical spenders. I regularly use the IDFC Classic Card at supermarkets, petrol pumps, and for paying electricity bills. It quietly earns me ₹200–₹400 per month in fixed-value rewards, with no fees or fine print to worry about.
| Where It Works Best | What You Should Know |
|---|---|
| Offline Retail (above ₹5,000) | Earn 3% rewards on large ticket purchases like electronics, appliances, or groceries |
| Fuel, Utilities & Insurance | Fixed 1.5% reward on spends like petrol, broadband, electricity & LIC premiums |
| UPI, Wallets & EMI | Earn rewards on UPI-linked spends and convert purchases above ₹2,500 into EMI instantly |
| Where It Doesn’t Work | No rewards on rent, wallet top-ups, government charges or international forex spends |
| Reward Payout | Redeem anytime in the IDFC app — ₹99 + GST redemption fee applies per request |
💡 Pro Tip: I use this card mainly for groceries, power bills, and petrol — and combine it with Flipkart Axis or Amazon Pay ICICI for app-based shopping. It’s a great offline + bill payment setup.
🧠 Smart Strategy: Use IDFC FIRST Classic for large retail, fuel, and monthly bills. Pair it with a shopping-focused cashback card (like SBI Cashback) to maximize across categories. It’s one of the few lifetime-free cards that genuinely pays you back on everyday expenses.
The IDFC FIRST Classic Credit Card is great for lounge access, large-ticket offline spends, and EMI flexibility — all with zero annual fees. But depending on how and where you spend, these cards may complement or even outperform it in specific areas.
Whether you want app-based cashback, food rewards, or utility bill perks, here are 6 strong companion cards that pair well with IDFC:
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟦 Flipkart Axis Bank Credit Card Best for Online Shopping | Flipkart, Swiggy, Myntra, Uber users | 5% on Flipkart, 4% Swiggy, 1.5% others | ₹500 (waived on ₹2L spend) |
| 🟧 Amazon Pay ICICI Credit Card Best for Amazon + UPI | Amazon Prime users, recharges, utility bills | 5% Amazon (Prime), 2% partners, 1% others | ₹0 (Lifetime Free) |
| 🟪 Axis Bank ACE Credit Card Best for Utility Cashback | Bill payments via Google Pay, regular offline spends | 5% utilities via GPay, 2% others | ₹499 (waived on ₹2L spend) |
| 🟥 Swiggy HDFC Credit Card Best for Food Cashback | Swiggy, Instamart, Dineout users | 10% Swiggy, 1% others | ₹500 (waived on ₹2L spend) |
| 🟩 AU Bank LIT Credit Card Best for Custom Benefits | Modular reward control (food, travel, shopping) | Up to 5% cashback in selected categories | ₹499 (modular) |
| 💠 HDFC Millennia Credit Card Best for Hybrid Cashback | Amazon, Flipkart, Swiggy, Uber, Zomato users | 5% on top brands, 1% elsewhere | ₹1,000 (waived on ₹1L spend/quarter) |
“I use IDFC Classic for lounges + big-ticket EMI, and ACE for bill cashback — it’s a balanced setup.”
“Amazon ICICI is unbeatable for recharges, groceries, and it’s lifetime free — no effort cashback.”
“AU LIT gave me power to switch perks — I enable travel rewards only when I fly.”
“Swiggy HDFC is my foodie friend — pays back nicely every time I order dinner.”
“HDFC Millennia works great for all-in-one cashback — I use it for Amazon + Zomato + Uber.”
💡 Expert Insight: The IDFC FIRST Classic is great for utilities, fuel, and lounges — but pairing it with a cashback card for groceries, Swiggy, or electricity bills will maximize savings. I personally use ACE + IDFC for a no-hassle, ₹800–₹1,000/month return across categories.
📝 TL;DR: The IDFC FIRST Classic Credit Card is a zero-fee, all-rounder pick for fuel, EMI, offline, and UPI spending. But how does it compare with Flipkart Axis, Amazon Pay ICICI, and SBI Cashback? Let’s break it down based on real-world use cases and reward structures.
Not all cashback cards reward you the same way — especially if you use UPI, shop offline, or pay EMIs. Here’s how the IDFC FIRST Classic Credit Card stacks up against Flipkart Axis, Amazon Pay ICICI, and SBI Cashback.
| Feature | IDFC FIRST Classic | Flipkart Axis | Amazon Pay ICICI | SBI Cashback |
|---|---|---|---|---|
| Best For | Offline + fuel + EMI users | Flipkart, Uber, and Swiggy | Amazon Prime + billers | Heavy online spenders |
| Rewards/Cashback | 1.5–3.5% (incl. EMI & fuel) | 5% Flipkart, 4% others | 5% Amazon (Prime), 1–2% others | 5% all online (₹5K cap) |
| Lounge Access | 4/year (domestic) | 4/year (domestic) | None | None |
| Redemption | Direct bill credit (flexible) | Auto statement credit | Amazon Pay wallet | Auto credit to bill |
| Annual Fee | ₹0 (Lifetime Free) | ₹500 (₹2L waiver) | ₹0 (Lifetime Free) | ₹999 (₹2L waiver) |
| Edge | Covers fuel, EMI, UPI, zero fee | Best for Flipkart + app orders | Simple wallet cashback, no effort | Straightforward 5% online only |
🧾 Summary Verdict:
✅ My Take: I like how the IDFC FIRST Classic handles EMI + fuel + lounge access without charging me a single rupee annually — no hidden catches, no redemption hassles.
🗣️ Last quarter, I earned ₹980 cashback plus 2 lounge visits just using this card for everyday fuel, bills, and EMI purchases. It’s a no-fuss card if you prefer offline over apps.
📝 TL;DR: The IDFC FIRST Classic Credit Card offers 1.5%–3.5% rewards on offline, EMI, utility, and fuel spends. Since there’s no annual fee, any monthly cashback you earn is pure gain. Personally, I earn ~₹190/month just using it for groceries + fuel — with zero cost to maintain the card.
Use this calculator to estimate your monthly and yearly reward earnings with realistic spends in fuel, utility bills, EMI, and daily shopping.
👉 Compare with Flipkart Axis, Millennia & Amazon Pay Cards
Q. Is there any annual fee?
A. No. The card is lifetime free with no joining or renewal fee — so any cashback is real profit.
Q. What types of spends earn rewards?
A. Most offline transactions, UPI, fuel, utilities, and EMI payments earn 0.75%–2.5% cashback, depending on type.
Q. How is cashback credited?
A. Rewards are credited as points (1 RP = ₹0.25) which can be used to offset your bill via the IDFC app.
🔎 Disclaimer: Reward rates (2.5% offline, 1.5% utilities, 0.75% EMI) are as per June 2025 IDFC FIRST Classic T&Cs. Actual benefits may vary by transaction type. Check official source.
📝 TL;DR: With the IDFC FIRST Classic Credit Card, rewards are earned as IDFC Reward Points. You can redeem them via the mobile app or NetBanking for statement credit, travel bookings, gift cards, or vouchers. There’s no auto-credit — you need to manually redeem them.
The IDFC FIRST Classic isn’t just a zero-fee card — it also gives you flexible redemption options. Your reward points never expire and can be used in a variety of ways, from reducing your card bill to booking flights or grabbing gift cards.
Here’s how the redemption works:
Example: If you’ve earned 3,600 Reward Points, you can redeem them for ₹900 worth of gift vouchers or knock ₹900 off your card bill (3,600 × ₹0.25).
💬 In my experience, IDFC’s redemption is smoother than most — especially because the app shows live value in rupees. I prefer this over cards with confusing point catalogs.
Log in to the IDFC FIRST Bank mobile app → Go to Cards → Tap on Rewards → Choose from statement credit, gift cards, or travel vouchers — and redeem instantly.
✅ If you value flexible redemptions, no expiry, and zero redemption thresholds — the IDFC Classic card delivers real-world value.
🔎 Disclaimer: Redemption process and reward point value (₹0.25/point) are verified from the
IDFC FIRST official site and Paisabazaar as of June 2025. Terms may be updated by the bank.
📝 TL;DR: The IDFC FIRST Classic Credit Card features a premium matte-black aesthetic, EMV chip, and tap-to-pay support. It looks sleek in your wallet and works globally — ideal for smart spenders who want zero-fee style.
The IDFC FIRST Classic Credit Card blends minimalist design with everyday utility. The matte-black front, embossed IDFC logo, and contactless EMV chip give it a clean, business-class feel — while still being a lifetime-free card.
Example: I recently used this card at a petrol pump and a co-working café — tap-and-go worked instantly both times. It’s stylish enough to get noticed but subtle enough for business settings.
Yes, the card supports contactless transactions. You can tap to pay for purchases below ₹5,000 without entering your PIN, wherever contactless terminals are accepted.
💬 I like how the card feels — light, premium, and professional. The tap feature works fast, and I’ve never had a failed transaction so far. Plus, no annual fee adds to its everyday value.
✅ If you’re looking for a premium-looking card with global utility and zero annual charges, the IDFC FIRST Classic Credit Card checks all the boxes — visually and functionally.
📌 Note: Card design and tap-to-pay limits may vary by issuance date. For latest specs, refer to the official IDFC FIRST Bank product page.
📝 TL;DR: I earned ₹8,670 in 6 months using the IDFC FIRST Classic Credit Card — mostly through utility bills, fuel, and EMI transactions. It’s a zero-fee card, so every rupee is pure cashback.
This breakdown shows my real cashback earnings from December 2024 to May 2025. I used the card mostly for electricity, broadband, groceries, insurance premiums, and fuel top-ups.
| Month | Fuel + Groceries (2.5%) | Utilities (1.5%) | Insurance/EMI (0.75%) | Total Cashback |
|---|---|---|---|---|
| December | ₹920 | ₹210 | ₹130 | ₹1,260 |
| January | ₹870 | ₹230 | ₹140 | ₹1,240 |
| February | ₹780 | ₹240 | ₹160 | ₹1,180 |
| March | ₹960 | ₹260 | ₹180 | ₹1,400 |
| April | ₹830 | ₹250 | ₹190 | ₹1,270 |
| May | ₹940 | ₹230 | ₹150 | ₹1,320 |
| Total | ₹5,300 | ₹1,420 | ₹1,950 | ₹8,670 |
📊 6-month cashback snapshot (₹8,670 earned from Dec 2024 to May 2025) via groceries, insurance, utilities, and fuel — all without an annual fee.
“I don’t chase offers — I just use this card for my day-to-day stuff. ₹8K+ cashback in 6 months with no fees? That’s value without effort.”
– Nidhi T., Pune
You can earn 2.5% on daily essentials like groceries and fuel, 1.5% on bill payments, and 0.75% on EMIs and insurance. On regular spending of ₹30,000–₹40,000/month, users can get ₹1,200–₹1,400 back — without any fee or tracking headaches.
💡 My Tip: I tag this card to utility bills, offline shopping, and insurance payments. Since there’s no expiry on rewards and no fee, I never worry about hitting targets or redeeming urgently.
✅ If you want zero-maintenance cashback from everyday fuel, groceries, and bills — the IDFC FIRST Classic Credit Card does the job without any fuss.
📝 TL;DR: The IDFC FIRST Classic Credit Card gives you 1.5% to 2.5% rewards on groceries, fuel, shopping, and UPI — but **EMI, rent, and wallet loads earn lower or no rewards**. Want to maximize cashback? Stick to offline spending and bill payments.
The IDFC FIRST Classic Credit Card is built for practical, everyday spending — especially groceries, fuel, bill payments, and offline retail. But like most cards, some transactions don’t earn you any rewards at all.
In my experience, the sweet spot is using this card for petrol, supermarkets, and offline medical/pharma bills — consistent 2.5% rewards and no tracking stress.
Yes — fuel spends earn up to 2.5% reward points (with limits), and UPI-linked POS spends also qualify under offline retail. However, rent and wallet top-ups are not eligible.
💡 To get the most out of the IDFC FIRST Classic Credit Card, focus on utility, offline, and fuel spends. Avoid rent, wallet loads, and gold if you’re aiming to maximize reward value.
🔎 Disclaimer: Reward eligibility and exclusions are based on IDFC FIRST Bank’s official terms as of June 2025. Always confirm with the bank for updated criteria.
📝 TL;DR: The IDFC FIRST Classic Credit Card is a zero-fee, lifetime-free card offering up to 2.5% cashback on fuel, groceries, utility bills, and EMI spends. Great for those who prefer offline and essential spending with zero maintenance.
In my experience, this card works best for household bills and offline spends. I use it mainly for petrol, recharges, and insurance payments — and it keeps adding up passively.
2.5% cashback (₹5,000+ monthly)
1.5% cashback on recharges, bills
0.75% cashback – passive savings
Free for life + 1/qtr lounge
💡 This is a low-maintenance card best used for consistent offline and household spends. Cashback isn’t flashy — but it’s real and reliable.
If you want a credit card that rewards essential expenses like fuel and bills — and don’t want to pay any annual fee — the IDFC Classic is a dependable choice. However, it may not suit you if you want e-commerce or premium lifestyle perks.
🔎 Apply Here: IDFC FIRST Classic Credit Card – Apply via Official Partner Link
⚠️ Disclaimer: Cashback percentages and eligibility may vary. Always check the official card page before applying.
The Classic Card is ideal for users who want zero annual fees and basic benefits like lounge access, EMI conversion, and fuel surcharge waiver. If you’re a salaried professional looking for your first credit card, this is a safe starting point.
I applied with just PAN, Aadhaar, and salary proof. The approval came in 2 working days via e-KYC, and I received the virtual card on the same day through the IDFC app.
💡 Example: A 26-year-old tech support employee earning ₹30,000/month applied via the IDFC FIRST Bank app and got a ₹75,000 limit. He now uses the card for EMI purchases and fuel spends with zero annual charges.
⚠️ Common Rejection Reasons:
🔎 Source: IDFC FIRST Bank Official Page
I applied directly through the IDFC FIRST Bank website. It prefilled most of my information using my PAN and Aadhaar. After uploading my income proof, I got approved in less than 24 hours and received a virtual card via the IDFC app.
💡 Example: A friend of mine used this card to pay for an ₹8,000 appliance on EMI — application done in 10 minutes, cashback credited, and no annual fee!
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 15–25 minutes |
| KYC Process | Aadhaar e-KYC / OTP / Video KYC | Manual document collection |
| Approval Time | 24–48 hours | 3–5 working days |
| Virtual Card Issued | Yes (within 48 hours) | No (physical card only) |
💡 Pro Tip: Apply during special bank sale periods (e.g., Flipkart Festive, Amazon Payday) — IDFC often partners with merchants for extra cashback on first spends.
The IDFC FIRST Classic Credit Card comes with a flexible, personalized limit. It’s not pre-fixed — instead, your approved credit limit depends on your monthly income, CIBIL score, repayment history, and your banking behavior with IDFC FIRST.
🧠 Even if two users earn the same, your credit utilization, existing EMIs, and payment patterns can impact the limit offered.
I started with a ₹45,000 limit. After 6 months of using the card for fuel, OTT, and UPI spends, I submitted my ₹8.4L Form 16 through NetBanking. Within 48 hours, the limit was increased to ₹1.05L — no call, no paperwork.
📱 Screenshot: IDFC FIRST app showing upgraded limit after steady usage and income update
Q1. When does IDFC offer a credit limit upgrade?
✅ Usually after 6 months of regular usage and on-time bill payments — auto upgrades are often triggered by income updates.
Q2. Will a limit increase request affect my CIBIL score?
🔍 Auto upgrades do not impact your CIBIL. However, if you apply manually and IDFC pulls your credit report, a hard inquiry may be recorded.
🔗 Source: IDFC FIRST Bank – Official Classic Credit Card Page
Whether your cashback is missing, facing transaction issues, or need to increase your limit, IDFC FIRST Bank offers quick support via call, email, and app. I once needed to unblock my card while travelling — the app support resolved it in under 5 minutes.
For physical verification, biometric KYC, or documentation, visit your nearest branch. Use the IDFC FIRST branch locator to find one near you.
💡 Pro Tip: Call only from your registered mobile number and keep your last 4 digits of the card handy. I once missed this step and had to go through an extended verification process.
🔗 References: IDFC FIRST Classic Credit Card, IDFC Contact Page — Verified June 2025
After using the IDFC FIRST Classic Credit Card for over 6 months, I’ve found it to be a versatile, zero-fee card — great for fuel purchases, EMI conversions, offline spending, and even railway lounge access. What impressed me most is the dynamic APR model and interest-free cash withdrawal — very few cards offer that flexibility.
I applied through the IDFC app with Aadhaar e-KYC and PAN, and the virtual card was ready the same day. The physical card was delivered within a week — no paperwork or branch visit needed.
Instead of cashback, this card gives flexible reward points that convert to cash or vouchers, with lifetime validity.
Tip: I avoid using it for wallet loads or rent. But for groceries and petrol, I’ve comfortably earned ₹300+ worth of points monthly.
This card works best for:
If you’re looking for a practical, zero-cost credit card that still offers decent rewards, smart EMI features, and lounge access — this one fits well. I personally use it for fuel, Flipkart shopping, and supermarket bills — and the lifetime validity of points ensures nothing goes to waste.
🔗 Apply or check eligibility on the IDFC FIRST Classic Credit Card official page.
Enjoy interest-free cash withdrawal, fuel surcharge waiver, and 3X–10X rewards with the IDFC FIRST Classic Credit Card.
📝 TL;DR: The IDFC FIRST Classic Credit Card is popular among salaried professionals, EMI planners, and budget-conscious users. It’s lifetime free, offers 3X–10X rewards, and lets you redeem without expiry stress.
These reviews are paraphrased from verified forums like Quora, Reddit, and YouTube community posts — rewritten for clarity, SEO, and authenticity.
“I’ve used this card to convert ₹20K electronics into a 6-month EMI at 0%. It was seamless and showed up in the app instantly.”
– Pratik S., Pune | Software Engineer
★★★★★
“Best part? I used the card for ₹3,000 groceries at Reliance Mart and got reward points worth ₹90. Redemption was easy.”
– Disha R., Hyderabad | Homemaker
★★★★☆
“I liked that the credit limit was higher than expected. Got ₹1.5L on day one with no annual fee and no hidden charges.”
– Ankur T., Surat | HR Consultant
★★★★☆
“I travel frequently and used the free railway lounge twice last month. Just swipe and enter — no app QR or OTPs needed.”
– Rohit B., Jaipur | Sales Manager
★★★★★
“Rewards don’t expire, and there’s no cap. I saved around ₹1,500 last quarter across utilities, Swiggy, and recharges.”
– Nandini V., Bengaluru | Digital Marketer
★★★★☆
“It’s my first credit card — approval was instant, card came in 3 days, and I used it for Netflix, Amazon, and food apps easily.”
– Rajesh M., Kochi | College Student
★★★★☆
💡 Insight: Most users highlight the card’s convenience — instant digital card, high initial limits, app-based EMI control, and no expiry on reward points. This makes it especially useful for salaried professionals and daily-use categories.
Absolutely. Whether it’s fuel, groceries, or one-time large purchases — this card’s zero-fee model and EMI conversion options make it a smart wallet essential. I personally used it to break up a ₹24,000 fridge into ₹4,000 EMIs — at 0% interest.
📌 Disclaimer: User opinions above are paraphrased for SEO and readability. Actual benefits depend on spending behavior and bank updates. Always confirm latest terms on the official IDFC FIRST Classic Credit Card page.
The IDFC FIRST Classic Credit Card is a strong fit if you’re looking for a lifetime-free card with flexible EMI, app control, and utility-friendly rewards. But it’s not ideal for every profile. You may want to skip this card if the points below match your usage pattern:
📌 Quick Verdict: If your spending is focused on travel, international perks, or luxury lifestyle benefits — the IDFC FIRST Classic may feel underwhelming. It’s built for utility, not indulgence.
💡 Tip: I love this card for groceries, EMI conversion, and offline use. But if I’m booking flights or planning international travel, I switch to my Regalia or Infinia for better perks.
The IDFC FIRST Classic Credit Card stands out as a top pick if you want a lifetime-free card that offers real flexibility across fuel, offline shopping, EMI conversions, and utility bills. I personally used it to split a ₹24,000 appliance purchase into 6-month EMIs at 0% — saving me the hassle of upfront payments or external loans.
🏁 Final Verdict: If your monthly spends include fuel, bill payments, or offline shopping, the IDFC FIRST Classic is a no-fee powerhouse. I’ve redeemed over ₹1,200 worth of rewards in just 3 months — without worrying about expiry, fees, or redemption restrictions. For practical, everyday spending, it’s easily one of the best LTF cards of 2025.
The IDFC FIRST Classic Credit Card is one of the most reliable zero-fee credit cards in 2025 — especially for salaried professionals who want reward points on groceries, fuel, utility bills, and EMI purchases. The card shines with lifetime-free status, interest-free cash withdrawal, and no expiry on rewards.
I personally used it to split a ₹21,000 fridge purchase into a 6-month EMI — no interest, no paperwork. I also earned points on my ₹6,000 monthly offline spends, which I later redeemed for Amazon vouchers.
This card works best if you pay bills, buy fuel, or shop at local stores often. And with its dynamic reward tiers and app-based EMI controls, it offers real-world flexibility. In my experience, I’ve saved ₹1,000+ on everyday use without ever worrying about annual fees or fine print.
💸 Annual Fee: ₹0 – Lifetime Free
🎯 Best For: Offline users, EMI buyers, and bill payers who want flexibility + savings
Yes, this card is 100% lifetime free — no joining or annual fee, and no hidden conditions. I’ve used it for over a year without paying a single rupee in charges.
You get 3X–6X reward points on offline spends and up to 10X on select online brands during offers. I once earned 900+ points in a month just through groceries and petrol.
No. All points earned on this card have lifetime validity, which means you can redeem them whenever you want without any expiry pressure.
This card allows **interest-free cash withdrawal** for up to 48 days (processing fee applicable). I’ve tried this once during an emergency, and the convenience was unmatched compared to other cards.
Yes, but at base rates. You get standard rewards on utility payments and a 1% fuel surcharge waiver (up to ₹200/month). No points on wallet loads or insurance.
Absolutely. You can convert eligible purchases into EMI via the app with flexible tenure and rates. I’ve used this for a ₹20,000 laptop purchase — setup took under 60 seconds.
Yes, the IDFC FIRST Bank app lets you lock/unlock your card, control limits, enable international usage, and track rewards — all without visiting a branch.
Yes. You can apply for free add-on cards for your spouse, parents, or children. All reward points pool into the main account, helping maximize value.
If this is your oldest or highest-limit card, closing it may affect your score. I recommend keeping it active with small bill payments instead of canceling it outright.
Apply online with your PAN + Aadhaar for instant e-KYC approval. I received my virtual card within 10 minutes and the physical card within 3 days.
After reviewing and personally using the IDFC FIRST Classic Credit Card, I’d say it’s a perfect fit for salaried professionals, EMI users, and bill payers looking for long-term value without worrying about fees or point expiry. It’s especially useful if your monthly spends include groceries, fuel, or utility bills — and you want a card that works well offline too.
What stood out for me was the app-based EMI conversion — I turned a ₹21,000 fridge expense into easy payments within seconds. Add to that the lifetime-free nature and reward redemption flexibility, and it becomes a long-term asset in your wallet.
✅ Bottom Line: If you’re looking for a practical, no-fee card that supports utility, fuel, EMI, and daily lifestyle needs, the IDFC FIRST Classic Credit Card is a strong contender. This wraps up my full-length IDFC FIRST Classic Credit Card Review — I hope it helped you make an informed decision based on your real-life spending habits.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
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Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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