IDFC FIRST Bank · Entry · lifetime free
FIRST Classic
Where it ranks across all 187 cards
#52 Flights
1.3%
direct
#52 Hotels
1.3%
direct
#56 Dining out
1.3%
direct
#55 Wallet load
0.4%
direct
#78 Education
0.4%
direct
#110 Jewellery & watches
0.4%
direct
#114 Gaming
0.4%
direct
#122 Mobile / broadband
0.4%
direct
#138 Cabs & transit
0.4%
direct
#147 Health & pharmacy
0.4%
direct
#148 Other
0.4%
direct
#149 Electronics
0.4%
direct
#151 Groceries
0.4%
direct
#153 Movies & events
0.4%
direct
#154 Food delivery
0.4%
direct
#155 Online shopping
0.4%
direct
#155 Fashion
0.4%
direct
#98 Insurance
0.1%
direct
#113 Utility bills
0.1%
direct
#165 Train tickets
0.1%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules4 direct
Base rate - everything not covered below
0.38%base rate
3 pts / ₹200
source
Source: FIRST Classic Credit Card - idfcfirstbank.com - read 25 Sep 2026
10 pts / Rs 200 on dining, travel and international spends
1.25%this rule
10 pts / ₹200
how it works & source
Bank's own wording says 'Travel' broadly and also grants 10X on birthday spends; mapped Travel to flights+hotels categories since a generic travel category does not exist in our taxonomy.
Source: FIRST Classic Credit Card - idfcfirstbank.com - read 25 Sep 2026
10 pts / ₹200 on international spends
1.25%this rule
10 pts / ₹200
source
Source: FIRST Classic Credit Card - idfcfirstbank.com - read 25 Sep 2026
1 pt / Rs 200 on utility, insurance, railway and FASTag spends
0.13%this rule
1 pt / ₹200
how it works & source
FASTag recharge is included in the bank's list but has no dedicated category in our taxonomy; omitted from match.categories.
Source: FIRST Classic Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
Fuel, EMI conversions and cash withdrawals earn zero reward points.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: FIRST Classic Credit Card - idfcfirstbank.com - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.