Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.

#60 of 70 in debit

IDFC First Bank

IDFC First Classic Debit Card

debitVisamidProvisional score

Everyday use debit card accompanying typical savings deposits without trailing fees.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%

≈ 0.26% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.5% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility75/100 · weight 8%

Perks0/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 3.5%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
utilities	points	0.50%(2 pts @ ₹0.25)	—	2 points per Rs 100 billed on digital and physical utilities
all_spends	points	0.25%(1 pts @ ₹0.25)	—	Accumulates base bank reward rates transparently