CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Classic Debit Card

23
Ranked #55 of 66 in debit
debitVisaEntry

IDFC First Bank's basic entry-level debit card for everyday banking, notable for its low forex markup relative to most Indian debit cards.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value5/100 · weight 71%
≈ 0.26% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks9/100 · weight 9%

Fees

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

Joining fee
—
Annual fee
Lifetime free
Waiver: Genuinely lifetime free for the debit card itself
Forex markup
2%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
utilitiespoints0.50%(2 pts @ ₹0.25)—2 points per Rs 100 billed on digital and physical utilities
all_spendspoints0.25%(1 pts @ ₹0.25)—Accumulates base bank reward rates transparently

Welcome offer

None specified

Milestone benefits

Pros

  • Genuinely free
  • low 2% forex markup (better than typical 3.5% industry standard)
  • reliable for everyday banking

Cons

  • No lounge access or premium lifestyle benefits at this entry tier

Insurance cover

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Eligibility

text
IDFC First Bank savings account holder

Small print

Fuel surcharge:1% waiver, standard range