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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
IDFC FIRST

FIRST Classic Credit Card

Best forDining & Food Delivery
Earns10 RP/₹150 on dining
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Not recorded

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on dining and food delivery, where it earns 10 RP/₹150
  • No annual fee

How you earn

Reward rates at a glance — exactly as recorded for this card.

Dining10 RP/₹150
Food Delivery10 RP/₹150
Travel10 RP/₹150
Groceries3 RP/₹150
Shopping3 RP/₹150
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot a good fit—3 RP / ₹150 on rent (MCC 6513)
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on rent (MCC 6513). 1% fee + 18% GST (min ₹249 floor) per FR-IDFC-02-RENT → net-negative return. DO_NOT_RECOMMEND per fiduciary protection.
EducationNot a good fit—3 RP / ₹150 on Education
Details
Status
Verified — not a good fit for this category
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Education. Third-party aggregator (CH02) incurs 1% fee + 18% GST (min ₹249 per FR-IDFC-02-EDU) → net-negative. DO_NOT_RECOMMEND per fiduciary protection.
Insurance1 RP/₹150—1 RP / ₹150 on Insurance (MCC 6300)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
1 RP / ₹150 on Insurance (MCC 6300). 1X reduced tier per official IDFC Classic terms. Not eligible for 10X accelerated categories.
Utilities1 RP/₹150—1 RP / ₹150 on Utilities (MCCs 4814/4816/4899/4900)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
1 RP / ₹150 on Utilities (MCCs 4814/4816/4899/4900). 1X tier. 1% fee on monthly aggregate > ₹20,000 per FR-IDFC-02-UTIL. Personal usage ≤ ₹20k/mo is fee-free.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel explicitly excluded from reward points per official IDFC Classic terms. 1% surcharge waiver capped at ₹200/month for txns ₹200–₹5,000. GST on surcharge is not waived.
Groceries3 RP/₹150—3 RP / ₹150 on Groceries
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Groceries. Part of general 3X retail tier. Not in 10X Dining/Travel accelerated categories.
Dining10 RP/₹150—10 RP / ₹150 on Dining (MCCs 5812, 5813, 5814) from first eligible transaction
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
10 RP / ₹150 on Dining (MCCs 5812, 5813, 5814) from first eligible transaction. COND-IDFC-02-10X-DINING-TRAVEL applies. No spend threshold required.
Food Delivery10 RP/₹150—10 RP / ₹150 on Food Delivery (MCCs 5812, 5814)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
10 RP / ₹150 on Food Delivery (MCCs 5812, 5814). Bank officially includes food delivery in 10X Dining definition from first eligible transaction. COND-IDFC-02-10X-DINING-TRAVEL applies.
Shopping3 RP/₹150—3 RP / ₹150 on Shopping (online and offline retail)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Shopping (online and offline retail). Part of general 3X retail tier.
Travel10 RP/₹150—10 RP / ₹150 on Travel (airlines, hotels, portals MCCs 3000–3350, 3501–3853, 7011, 4511, 4722, 4723) from first eligible transaction
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
10 RP / ₹150 on Travel (airlines, hotels, portals MCCs 3000–3350, 3501–3853, 7011, 4511, 4722, 4723) from first eligible transaction. COND-IDFC-02-10X-DINING-TRAVEL applies. Forex: 3.5% + GST on international spends.
Government3 RP/₹150—3 RP / ₹150 on Government payments (municipal/tax portals)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Government payments (municipal/tax portals). Not in 10X Dining/Travel categories.
Wallet3 RP/₹150—3 RP / ₹150 on Wallet loads (MCC 6540)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Wallet loads (MCC 6540). Not in 10X Dining/Travel categories.
Railways1 RP/₹150—1 RP / ₹150 on Railways (MCCs 4011, 4112)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
1 RP / ₹150 on Railways (MCCs 4011, 4112). 1X reduced tier per official IDFC Classic terms.
FASTag1 RP/₹150—1 RP / ₹150 on FASTag recharges (MCC 4784)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
1 RP / ₹150 on FASTag recharges (MCC 4784). 1X reduced tier per official IDFC Classic terms.
Jewellery3 RP/₹150—3 RP / ₹150 on Jewellery retail purchases
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
3 RP / ₹150 on Jewellery retail purchases. Part of general 3X retail tier. EMI-conversion restriction applies to EMI transaction, not to the purchase reward earning.
Telecom1 RP/₹150—1 RP / ₹150 on Telecom (MCCs 4812, 4814 — mobile, broadband, postpaid/prepaid, DTH)
Details
Status
Verified
Source
SRC-IDFC-CLASSIC
Issuer note
1 RP / ₹150 on Telecom (MCCs 4812, 4814 — mobile, broadband, postpaid/prepaid, DTH). 1X reduced tier per official IDFC Classic terms.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Reward caps
  • Fuel — ₹200 / month (per category — Fuel)

Key benefits

Rewards
10 RP/₹150 on dining
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap
Foreign-currency markup
3.5% foreign-currency markup — 3.5% + 18% GST forex markup on international transactions (IDFC FIRST Classic standard forex rate)

Important to know

Limits and exclusions that change what you earn.

  • Fuel rewards are capped at ₹200 / month (per category — Fuel)
  • No reward on: Fuel
  • Not recommended for: Rent, Education

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in dining, food delivery, travel
  • You want a card with no annual fee
△ Less useful if
  • Much of your spending is in rent, education, fuel, which earn nothing
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 1 caps · 3 no-reward categories
Caps
  • Fuel — ₹200 / month (per category — Fuel)
Categories with no reward or not eligible
  • Rent — Not a good fit. 3 RP / ₹150 on rent (MCC 6513).
  • Education — Not a good fit. 3 RP / ₹150 on Education.
  • Fuel — No reward.
Milestones · none recorded

No milestone benefit is recorded for this card.

Eligibility

Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Not recorded
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 subject to monthly cap. GST is not waived.
  • Foreign-currency markup: 3.5% foreign-currency markup — 3.5% + 18% GST forex markup on international transactions (IDFC FIRST Classic standard forex rate).
What DhanChakshu couldn't fully verify · 2 areas

2 areas need further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms
  • • Payment network — not recorded

Sources & verification

Verification & sources · last checked 2026-09-23

Verification coverage: All 16 categories verified

Card record last checked: 2026-09-23

Documents used
Official IDFC FIRST Bank FIRST Classic Credit Card terms (May 2026 circular & product page). Confirms: 10X on Dining (incl. food delivery MCCs 5812, 5813, 5814), Travel (MCCs 3000-3350, 3501-3853, 7011, 4511, 4722, 4723), and International from first eligible transaction (w.e.f. June 18, 2026); 3X other retail; 1X Insurance, Utilities, Railways, FASTag, Telecom; 0 on Fuel; Lifetime Free; 1 RP = ₹0.25; points valid 24 months from credit. · SRC-IDFC-CLASSIC
Official Most Important Terms & Conditions (MITC) and Schedule of Charges; rent 1%, education 1%, utility 1% >20k · SRC-IDFC-FEE-SCHEDULE
IDFC FIRST Classic KFS/MITC document. Confirms: Rent 1% fee + GST min ₹249; Education third-party 1% fee + GST min ₹249; Utility surcharge 1% on aggregate > ₹20,000/month; Fuel surcharge waiver ₹200–₹5,000 range; Forex 3.5% + GST; redemption fee ₹99 + GST. · SRC-IDFC-CLASSIC-KFS
FIRST Classic Credit CardLifetime free