IDFC FIRST Classic cashback rate, cap and annual fee
IDFC FIRST Classic pays 1.25% on dining, and 4 other rates.
IDFC FIRST Bank · India · catalogue v101
Read from IDFC FIRST Bank's own published terms on 20 Sep 2026.
NoneAnnual fee
1.25%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 1.25% | —Dining, at ten times the base rate. |
| travel | 1.25% | —Travel, at ten times the base rate. Railway spending and FASTag recharges are the exception at one times, and are described in the card note rather th |
| International purchaseseverything else | 1.25% | —Bought in another currency, anything eligible earns ten times the base rate — and IDFC charges no markup on top of it. |
| everything else | 0.38% | —Three times the base rate on everything else eligible. |
| government | 0.12% | —Utility bill payments earn the base rate, not the accelerated one. |
| fuel | None | —Fuel earns no Reward Points. |
The fourth card on IDFC's 10X/3X/1X structure and, on rates, indistinguishable from FIRST Wealth, Select and Millennia: ten times the base rate on dining, travel and international purchases, three times on most other spending, one times on utilities, insurance, railway spending and FASTag. Fuel, EMI conversions and cash withdrawals earn nothing. Lifetime free, no income bar published beyond the range's lowest, and zero foreign markup. If you are choosing between these four, the rate table is not the thing to choose on — the lounge access, the income requirement and the card's own limit are. Points expire 24 months after crediting and redeeming costs ₹99 plus GST. Source: idfcfirst.bank.in, checked 20 Sep 2026.
Questions people ask
What cashback does the IDFC FIRST Classic pay?
1.25% on dining, and 4 other rates.
Is there a cap on the IDFC FIRST Classic?
No monthly cap is published on the rates shown here.
What is the annual fee on the IDFC FIRST Classic?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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