How to Apply for the IDFC FIRST Classic Credit Card in 2026
Apply for the lifetime-free IDFC FIRST Classic Credit Card with 3X reward points on every spend. Eligibility, benefits, and the application process.
Piyush Rathod
The IDFC FIRST Classic Credit Card is a lifetime-free entry-level card with 3X reward points on every spend (no category restriction), up to 3X on EMI purchases, 1% fuel surcharge waiver, and 4 free ATM cash withdrawals per month. The card is targeted at first-time credit card users and is the easiest IDFC FIRST card to get.
Why this matters
IDFC FIRST Classic is one of the most rewarding lifetime-free cards in India. The 3X on all categories with no restriction is unique in the no-fee segment. The 4 free ATM cash withdrawals per month is a unique feature that no other card offers — useful for emergency cash needs.
Related cards
Related card
IDFC First Classic
How to Apply for the IDFC FIRST Classic Credit Card in 2026
Common mistakes to avoid
The 3X is uncapped but excluded from fuel, EMI, and cash advances. The 4 free ATM withdrawals are subject to a limit of ₹10,000 per withdrawal. Beyond 4 withdrawals, a ₹250 fee applies per withdrawal.
Pro tips
- Use Classic as your default card for all retail spends to maximise 3X
- Track the 4 free ATM withdrawals per month
- Pair with IDFC FIRST Select for premium benefits
- Track the welcome bonus of 500 points on the first transaction
Written by
Piyush Rathod
Editorial disclosure
Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.