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Visa3/4 on file
✓ Annual fee checked
IDFC First Bank · Visa

FIRST Classic

DiningLow InterestNo Annual FeeRewardsTravel

The FIRST Classic is a Visa card from IDFC First Bank with an annual fee of ₹0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), purchase APR (Oct 2026), welcome offer (Oct 2026). Not yet checked with IDFC First Bank: credit requirement. IDFC First Bank’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee₹0per yearChecked idfcfirst.bank.in
Welcome offerSee offer below
Apply on IDFC First BankCompare this card
Opens IDFC First Bank’s site
Ledger entry

The receipt

Every cost line we hold for the FIRST Classic, exactly as recorded.

Annual fee
₹0Checked idfcfirst.bank.in
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
8.5%–46.2%Checked idfcfirst.bank.in
Income requirement
Not confirmed
Network
Visa
Credit needed
NoneNot yet checked with IDFC First Bank
Sign-up

The welcome offer

Get a ₹500 gift voucher on top brands upon spending ₹5,000 within 30 days of card generation.*

Checked idfcfirst.bank.in
Min. spend₹5,000within 30 daysChecked idfcfirst.bank.in
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the FIRST Classic. Rather than print a multiplier we cannot source, this stays blank until IDFC First Bank’s own terms give us one.

We couldn't verify this · check with the issuer
Included

Perks & benefits

Card benefits

  • Zero joining and annual fee
  • Up to 10X Reward Points on dining, travel, and international purchases
  • 10X Reward Points on birthday spends
  • EMI conversion options
  • Interest-free cash withdrawal for up to 45 days
  • Virtual credit card access via mobile app
  • Control over online, contactless, and international transaction settings
Next step

Ready to apply for the FIRST Classic?

You'll finish the application on IDFC First Bank's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens IDFC First Bank’s site
Questions

Questions about the FIRST Classic

How much is the FIRST Classic annual fee?

The FIRST Classic has an annual fee of ₹0. Weigh that against the rewards and perks you will actually use.

What does the FIRST Classic earn?

We could not verify the FIRST Classic's earn rates, so we do not print a multiplier. Check them on IDFC First Bank's own site.

What network is the FIRST Classic on?

The FIRST Classic runs on the Visa network, which determines where it is accepted and which network-level benefits apply.

Is the FIRST Classic available in India?

Yes — the FIRST Classic is issued by IDFC First Bank and is available to eligible applicants in India. Approval depends on the issuer's own credit and income criteria.

When were the FIRST Classic figures last checked?

We checked its annual fee in September 2026, its purchase APR in October 2026 and its welcome offer in October 2026, each against a published document. Not yet checked with IDFC First Bank: credit requirement. We could not verify, so we do not print: foreign transaction fee and earn rates. Check them with IDFC First Bank. Terms can change without notice, so confirm the current details with IDFC First Bank before you apply.