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How to Apply for the IDFC FIRST Classic Credit Card in 2026

Piyush Rathod's profile photo Piyush Rathod
3 min read
Reviewed by Gautam Chauhan Last reviewed 5 September 2026 Data verified 5 September 2026

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.

How to Apply for the IDFC FIRST Classic Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the lifetime-free IDFC FIRST Classic Credit Card with 3X reward points on every spend. Eligibility, benefits, and the application process.

  1. Check Classic eligibility — You must be 18–70 years old, a resident Indian, with a minimum monthly income of ₹15,000. CIBIL score of 700+ is preferred. NRIs can apply for the international variant.
  2. Apply online via IDFC FIRST website — Visit idfcfirstbank.com → Cards → Credit Cards → Classic. Click Apply Now. The form is pre-filled if you are an existing IDFC FIRST customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in the IDFC FIRST app. Approval takes 5–7 working days.
  6. Receive the card and activate — Once approved, the card is delivered within 5 working days. Activate via IVR, IDFC FIRST app, or at any IDFC FIRST ATM by setting a 4-digit PIN.
  7. Use the card for all spends to earn 3X — Use the card for all retail spends to earn 3X reward points. The 3X is uncapped — no monthly cap. Track points in the IDFC FIRST app.
  8. Use the 4 free ATM withdrawals — Withdraw cash from any ATM up to 4 times a month. The 4 free withdrawals are a unique feature of IDFC FIRST cards.

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

Frequently asked questions

Is IDFC FIRST Classic lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 3X cap?

3X on all retail is uncapped. There is no monthly cap.

Are ATM withdrawals free?

Up to 4 ATM withdrawals per month are free. Beyond 4, a ₹250 fee applies per withdrawal.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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