IDFC FIRST Classic Credit Card

Welcome Offer

Receive a ₹500 gift voucher on spending ₹5,000, 5% cashback up to ₹1,000 on first EMI, & 100% cashback up to ₹200 on first 4 UPI transactions.

Rewards Rate

Earn 10X RPs on incremental spends >₹20,000 & birthdays, 3X on UPI/rental/govt/education, 1X on insurance/utility. 1 RP = ₹0.25.

Reward Type

Reward Points

Reward Redemption

Redeem points via IDFC FIRST Bank app/website for products, vouchers, gift cards. 1 RP = ₹0.25. Points never expire.

Domestic Lounge Access

4 complimentary railway lounge visits per quarter. Condition: ₹20,000 spend in current month for next month's access (effective Feb 20, 2025).

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Personal accident cover of ₹2,00,000. Lost card liability cover of ₹25,000. Valid with one transaction in 30 days.

Movie

25% discount on movie tickets, up to ₹100, on the District by Zomato mobile app, valid once per month.

Dining

Up to 20% discount at over 1,500 restaurants.

Travel Benefits

50X bonus RPs on hotel bookings & 20X on flight bookings via IDFC FIRST Bank app. Redeem RPs for flights/hotels.