FIRST Classic Credit Card by IDFC FIRST Bank

The Bottom Line

FIRST Classic Credit Card

Lifetime Free, Average Rewards

6 Reward Points / ₹150 spent online & 3 Reward Points for offline purchases. 10 Reward Points on all spending above ₹20,000 in a month.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	0.8%	0.8%	0.7%	1.4%	1.5%
Est. Monthly Reward (₹)	35	75	145	680	1,510
All-India Rewards Rank*	52	78	118	67	48
Within Bank Rank*	3	3	3	3	3
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The FIRST Classic Credit Card gives 1% effective reward on all online purchases and 0.5% on all offline spending, for the first ₹20,000 spent in a month.

However, this card gets a lot better if you spend more than ₹20,000 in a month. All spending in excess of this amount each month earns a flat 1.67% reward, resulting in a net reward yield of nearly 1.6% for very high spenders i.e. those spending well over ₹1 lacs a month.

We estimate this card can earn you a net reward yield of 0.7-1.5% depending on the level of your monthly spending.

The FIRST Wealth Credit Card is the best credit card for most IDFC FIRST Bank customers.

For the first ₹30,000 spent in a month, this card gives effective rewards of 1.5% for all online purchases while offline spending earns 0.75%, for an average net reward yield of 1.1%.

However, in a manner similar to the FIRST Millennia, this card also becomes attractive if you spend more than ₹30,000 in a month.

All spending in excess of this amount each month earns a flat 2.50% reward, resulting in a net reward yield of almost 2.5% if you charge more than ₹1 lacs in a month.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	FIRST Classic Credit Card
Card Type	Reward
Reward/ Cashback Features	– 6 Reward Points / ₹150 spent online – 3 Reward Points / ₹150 spent offline – 10 Reward Points / ₹150 on all spends above ₹20,000 each month
Milestone Rewards	Nil
Other Rewards	– 4 complimentary Railway Lounge visits / Qtr. – 25% off on movie tickets up to ₹100 on Paytm Mobile App (Once per Month) – Up to 20% discount at 1500+ restaurants – Up to 15% discount at 3000+ Health & Wellness outlets
Rewards Redemption Fee	₹99
Reward Caps	Unlimited
Preferred Redemption Method	Redeem for shopping vouchers @ 0.25 / reward point

Fees & Charges

Card		FIRST Classic Credit Card
Joining Fee		Nil
Annual Fee		Nil
Min. Annual Credit Card Spend for Fee Waiver		N/A
Income Criteria	Salaried	₹3 Lacs
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		42.00%
Foreign Currency Markup		3.50%
Cash Advance Charge		₹199 / transaction