SwipeYield Review
A value-focused essential card for everyday spending with lifetime free benefits.
BeginnerLifetime FreeShopping
IDFC FIRST Classic Credit Card
By IDFC FIRST Bank
3.9SwipeYield Rating
Joining FeeLifetime Free
Annual FeeLifetime Free
Fee Waiver:
Not Applicable (Lifetime Free)
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Reward TypeReward Points
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NetworkVisa, Mastercard
Rewards
Base
~0.5% (3 points per ā¹150)
Accelerated
1.66% on spends >ā¹20k/month; 25% off movies up to ā¹100/month
Lounge Access
4 Railway lounge visits per quarter
Pros
- Lifetime Free status
- Building credit history
- Movie and dining discounts
Cons
- No airport lounge access
- Basic aesthetics
- 3.5% forex markup
Eligibility
- Standard income criteria
- Age 21-65