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IDFC FIRST Bank

FIRST Classic

IDFC FIRST Bank

Earns more

7

Airport lounge access

Within IndiaNot confirmed
Outside IndiaNot confirmed
More from the issuer 1

Where access works

2 to refer to the complete updated list of lounges.

Check the programme's lounge list for your airport and terminal. An international flight does not by itself make a lounge an overseas one.

Check IDFC FIRST Bank's current card page

Points

Every route, partner and limit→

Make the most of this card

Use the bonus earning channel

--> FIRST Classic Credit Card now comes with Zero Forex Markup Apply Now Earn 10X Reward Points on international spends

More rules and steps

Get a RuPay add-on card : Another feature popular among young people is the ability to pay via UPI. You can opt for a virtual RuPay add-on credit card for a joining and annual fee of 199 + GST. Link it to your UPI app and use the credit limit of your FIRST Classic Credit Card to make UPI payments. These spends also fetch you 3X reward points.

Keep the rewards you earn

On Dining, Travel, and International purchases and spends done on your birthday.​ 1X = 1 Reward Point per ₹200 spent | 1 Reward point = ₹0.25 Reward program not applicable on Fuel, EMI transactions and Cash withdrawals. Reward redemption will attract a small convenience charge of ₹99 plus GST per redemption. Reward Points are valid for 24 months from the date they are credited. Reward Points are earned only on spends up to your credit limit per billing cycle. Additional spends beyond this will not be eligible for Reward Points.​​

Benefits

7

Earns nothing

3

Spend here and the terms say you earn no rewards.

Terms disagree

1

Two clauses say different things. We are not guessing which one applies.

Earns the normal rate

5

Dated changes

1

Dates the terms name for something changing.

Section II: Effective June 18, 2026, get Bonus Reward Points on your FIRST Classic Credit Card on Flights & Hotel bookings done via the Platform as per the following structure: Table 2.1: Travel Bookings Bonus Reward Points

Every line above is read from IDFC FIRST Bank's own published documents. Tap a line to see the clause. Before a large payment, check the linked document yourself.