# IDFC FIRST Classic Credit Card

IDFC First Bank · Visa. lifetime free · 0% forex · 3X (3 RP / ₹200) all other eligible spends.

verified · checked 21 June 2026 · Source: https://www.idfcfirstbank.com/credit-card/classic

## How it earns (4)

- 3X (3 RP / ₹200) all other eligible spends · verified · checked 17 June 2026
- 10X (10 RP / ₹200) dining/travel from ₹1 · verified · checked 17 June 2026
- 10X international (10 RP / ₹200) · international only · verified · checked 17 June 2026
- 1X (1 RP / ₹200) utility/FASTag/insurance · verified · checked 17 June 2026

## On gift vouchers

- ₹38 back on a ₹10,000 voucher bought direct. · 3X (3 RP / ₹200) all other eligible spends
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: fuel, EMI, cash

## Milestones (1)

- ₹500 gift voucher on ₹5,000 spend in first 30 days (one-time joining benefit) · ₹500 at ₹5,000 spend per month · verified · checked 17 June 2026

## Lounges (1)

- Up to 4 railway lounge visits a quarter, after ₹20,000 spent in the previous calendar month. Railway lounges only, not airports. · Railway lounges · domestic · 4 per quarter · checked 20 October 2026

## Fees

- Annual fee: Lifetime free
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Points expire after 24 months
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (2)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)
- Devaluation · 18 June 2026: IDFC First Classic earn is now capped to your credit limit (https://getbrief.cards/changes#idfc-classic-cap-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-first-classic