IDFC FIRST Classic Credit Card 2025
Save up to ₹10,000+ every year on shopping, movies, train travel, fuel & daily spends!
If you are a beginner or moderate spender looking for a simple premium card with no fees, the IDFC FIRST Classic Credit Card is an excellent entry-level choice!
You get up to 10X reward points on spends (3X base on offline, 6X on online; 10X above ₹20,000/month), 4 railway lounge visits every quarter (spend ₹20,000/month for next month access from Feb 2025), 25% off movie tickets up to ₹100/month via District app, 1% fuel surcharge waiver up to ₹500/month, ₹500 welcome gift voucher, low dynamic interest (8.5%–46.2% p.a.), and it's 100% Lifetime Free – no joining or annual fees ever!
Reward points never expire and redeem at 1 point = ₹0.25 for cashback, vouchers or payments – easy for everyday use!
Why This Is The Best Entry-Level Lifetime Free Card in 2025?
Up to 10X points (up to 6.67% return) on all spends • 4 railway lounges/quarter • 25% off movies (up to ₹100/month) • 1% fuel waiver • Points never expire • Low 1.99% forex • ₹500 welcome voucher.
Best for: Beginners, moderate spenders, train travelers, movie lovers, families wanting no-fee rewards
Card At a Glance
₹0 (Lifetime Free)
₹0 (Lifetime Free)
10X above ₹20K | 6X Online | 3X Offline
Points (1 pt = ₹0.25)
4 Railway/Quarter (spend-based)
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Welcome Benefit | ₹500 Gift Voucher |
| Rewards Redemption Fee | ₹99 per redemption |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 8.5% – 46.2% per annum (dynamic) |
| Fuel Surcharge Waiver | 1% (₹200–₹5,000 txn, max ₹500/month) |
| Cash Advance Fee | ₹199 per transaction (up to 45 days interest-free) |
Detailed Reward Rates (2025)
- 10X Reward Points (20 points/₹150) on all spends above ₹20,000/month (6.67% return)
- 6X Reward Points (12 points/₹150) on all online spends up to ₹20,000/month (4% return)
- 3X Reward Points (6 points/₹150) on all offline spends up to ₹20,000/month (2% return)
- 1 point = ₹0.25 for cashback, vouchers, statement credit or 'Pay with Points'
- Rewards on utilities, rent, education, insurance (no exclusions except fuel/EMI)
- Points never expire; redeem instantly online or at partners
Railway Lounge Access (2025 Rules)
4 complimentary visits per quarter at select railway stations
Requires ₹20,000 spend in current month to unlock next month's access (effective Feb 2025)
Popular stations: New Delhi, Chennai, Mumbai, etc. • For cardholder + add-ons
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹15 Lakh emergency hospitalization abroad
- Zero liability on lost card
- Roadside assistance (up to 50km towing)
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 100% Lifetime Free – no fees ever | ₹99 redemption fee per transaction |
| Up to 10X points on all spends (6.67% return) | No airport lounges |
| 4 railway lounges/quarter + 25% off movies | Railway lounges spend-based (₹20K/month from Feb 2025) |
| Low 1.99% forex + dynamic interest (8.5% min) | Lower base rewards (3X offline up to ₹20K) |
| Points never expire + rewards on rent/utilities | No fuel rewards (only 1% waiver) |
| ₹500 welcome voucher + 5% EMI cashback |
Eligibility Criteria & Documents Required
- Age: 21–65 years
- Minimum Monthly Income: ₹25,000
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit IDFC FIRST Bank website and select Classic Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹20,000+ monthly on online/offline buys, movies & train travel, this card gives ₹8,000–₹15,000 value yearly with no fees, unlimited points & easy redemptions. Best Lifetime Free entry card for beginners – simple rewards on everything. Highly recommended for moderate spenders!
Frequently Asked Questions (FAQs)
Is it Lifetime Free?
Yes, no joining, annual or renewal fees ever.
Do points expire?
No, reward points never expire.
How to get railway lounges?
4 visits/quarter; spend ₹20,000/month for next month access (from Feb 2025).
What is the movie benefit?
25% off up to ₹100/month on District app (once per month).
Any exclusions?
No rewards on fuel/EMI; 1% fee on education via third-party from Feb 2025.