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IDFC First Bank · IDFC First Bank
First Classic vs First Wealth
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
47composite score
95% rule confidence
95% rule confidence
Winner
46composite score
82% rule confidence
82% rule confidence
Annual fee
Lifetime free
Lifetime free
Network
Visa
Visa
Base reward rate
1%
1%
Min. income (monthly)
₹15,000
₹1,00,000
Min. credit score
650+
720+
Best for
Online shopping
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
First Classic edges out for most wallets.
- Easier to qualify, ₹15,000/mo income gets you in versus ₹1,00,000/mo.
Composite score
First Classic47
First Wealth46
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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