IDFC First Bank · Visa · Standard
FIRST Classic Credit Card
3X on online + 1X on offline spends; no annual fee
Back to all cardsTop benefits
Ultra-low interest rate
Monthly interest rate starting at 1.5% — significantly lower than most Indian credit cards.
Low forex markup
1.5% forex markup on international transactions.
3X on online spends
3 reward points per Rs.150 on online transactions and 1 point on offline.
Lifetime free
No annual fee ever. Genuinely free card.
Common questions
What makes this card different?
The very low interest rate starting at 1.5% per month and 1.5% forex markup make it excellent for those who sometimes carry balances or travel internationally.
Is there any annual fee?
No, it is a lifetime free card with no annual or joining fee.