Research coverage — 15/16 categories
IDFC FIRST
LIC Classic Credit Card
Best forUtilities & Groceries
Earns2.4 RP/₹100 on utilities
1st Year / Joining Fee
₹0
Lifetime free
Renewal Fee
₹0
Lifetime free
Fee waiver
None
Network
Not recorded
IDFC FIRST
LIC Classic Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on utilities and groceries, where it earns 2.4 RP/₹100
- No annual fee
How you earn
Reward rates at a glance — exactly as recorded for this card.
Utilities2.4 RP/₹100
Groceries2.4 RP/₹100
Dining2.4 RP/₹100
Food Delivery2.4 RP/₹100
Shopping2.4 RP/₹100
All 16 reward categories · 15 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | No reward | — | —Details
|
| Education | Not a good fit | — | 3X RP / ₹125 (0.60% net value) under Essentials (capped at 300 RP/month)Details
|
| Insurance | 4.8 RP/₹100 | 5 TRANSACTIONS per statement cycle | Depends on how the transaction is processedDetails
|
| Utilities | 2.4 RP/₹100 | 300 RP per month | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Utilities under Essentials categoryDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 2.4 RP/₹100 | 300 RP per month | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Groceries under Essentials categoryDetails
|
| Dining | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Dining under standard retail spendsDetails
|
| Food Delivery | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Food Delivery under standard retail spendsDetails
|
| Shopping | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Shopping under standard retail spendsDetails
|
| Travel | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Travel under standard retail spendsDetails
|
| Government | 2.4 RP/₹100 | 300 RP per month | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Government payments under Essentials categoryDetails
|
| Wallet | No reward | — | —Details
|
| Railways | 2.4 RP/₹100 | 300 RP per month | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Railways under Essentials categoryDetails
|
| FASTag | 2.4 RP/₹100 | 300 RP per month | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on FASTag recharges under Essentials categoryDetails
|
| Jewellery | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Jewellery under standard retail spendsDetails
|
| Telecom | 2.4 RP/₹100 | — | 3X RP / ₹125 (0.60% net value at ₹0.25/RP) on Telecom and utility bill rechargesDetails
|
“—” 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
- Utilities — 300 RP / month (per category — Utilities)
- Insurance — 5 TRANSACTIONS / statement (per category — Insurance)
- Fuel — ₹200 / statement (per category — Fuel)
Key benefits
Rewards
2.4 RP/₹100 on utilities
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹200 per statement cycle
Important to know
Limits and exclusions that change what you earn.
- Utilities rewards are capped at 300 RP / month (per category — Utilities)
- Insurance rewards are capped at 5 TRANSACTIONS / statement (per category — Insurance)
- No reward on: Rent, Fuel, Wallet
- Not recommended for: Education
Who should consider this card
✓ Good fit if
- Your spending is concentrated in utilities, groceries, dining
- You want a card with no annual fee
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
Full details
Everything else, expanded on demand.
Caps & exclusions · 3 caps · 4 no-reward categories
Caps
- Utilities — 300 RP / month (per category — Utilities)
- Insurance — 5 TRANSACTIONS / statement (per category — Insurance)
- Fuel — ₹200 / statement (per category — Fuel)
Categories with no reward or not eligible
- Rent — No reward.
- Education — Not a good fit. 3X RP / ₹125 (0.60% net value) under Essentials (capped at 300 RP/month).
- Fuel — No reward.
- Wallet — 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, capped at ₹200 per statement cycle. GST on surcharge is not waived.
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Insurance — depends on how the transaction is processed
- • Lounge benefit — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-29
Verification coverage: 15 of 16 categories verified · 1 still being verified
Card record last checked: 2026-09-29
Documents used