IDFC FIRST Classic Credit Card
Rs 0Annual fee
0Domestic lounge
Domestic lounge conditions
- Complimentary railway lounge access is subject to a spend threshold of Rs 20,000 in the previous calendar month.
- 4 complimentary railway lounge visits per quarter
3.5%Forex markup
Best for
lifetime free, shopping, railway lounge, movies, rewards
Top rewards
Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent
IDFC FIRST Select Credit Card
Rs 0Annual fee
4Domestic lounge
Domestic lounge conditions
- 1 complimentary domestic airport lounge visit per quarter, subject to a minimum spend of Rs 20,000 in the previous calendar month.
1.99%Forex markup
Best for
lifetime free, lounge, lifestyle, rewards, low forex
Top rewards
Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent
| Feature | IDFC FIRST Classic Credit Card | IDFC FIRST Select Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Visa, Mastercard, RuPay | Visa, Mastercard, RuPay |
| Joining fee | Rs 0 | Rs 0 |
| Annual fee | Rs 0 | Rs 0 |
| Reward type | reward points | reward points |
| Best for | lifetime free, shopping, railway lounge, movies, rewards | lifetime free, lounge, lifestyle, rewards, low forex |
| Top reward categories | Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent | Other retail spends up to Rs 20,000: 3 Reward Points per INR 200 spent; Dining, Travel, International, Birthday, and incremental spends above Rs 20,000: 10 Reward Points per INR 200 spent; Utility, insurance, FASTag, and railway transactions: 1 Reward Point per INR 200 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 1.99% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.25 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions |