3 Smart ways to earn more FIRST Classic Credit Card rewards

When Omkar got his first job, he was excited - but also a bit nervous. Rent, groceries, phone bills, weekend plans. Suddenly, there were a lot more things to keep track of. 

He was wondering how to manage expenses more effectively without giving up the little things that brought him happiness. What if there were a way to optimise his spending without making drastic changes to his lifestyle? What if he could earn Credit Card rewards from these routine expenses? Such wonder, that’s when he found his FIRST Classic Credit Card.

It offers a Credit Card reward system that's simple and easy to use. Omkar now has a smarter way to manage his expenses and still earn big. 

Curious to see how you can do the same? Keep reading to find out!

Your daily spend can earn you more with these 3 benefits
 

We often don’t think twice about small expenses - ₹300 on groceries, ₹150 for fuel, ₹1,000 for a meal out. Omkar didn’t either. But once he started using the FIRST Classic Credit Card, he realised these purchases could give him something back.

Here’s what he found:

1. Welcome benefits from the start

When you spend ₹5,000 within 30 days of getting the card, you receive ₹500 worth of gift vouchers. These are valid at brands you already use, like Amazon, Uber, Lifestyle, and Bigbasket. This way, you earn Credit Card rewards just by going about your usual shopping. But that wasn’t all. On your first equated monthly instalment (EMI) transaction within the same 30-day window, you get 5% cashback up to ₹1,000. 

These benefits made Omkar’s planned purchase even more rewarding.

2. Accelerated reward points on daily purchases

The FIRST Classic Credit Card makes it easy to earn credit card rewards every time you swipe. Earning:

1. 3X reward points on spends up to ₹20,000 in a statement cycle

2. 10X rewards points on incremental spends above ₹20,000 in a statement cycle and on your birthday

3. 1X reward points on insurance premium payments and utility bill payments

Omkar collected points with nearly every payment. These reward points never expired and could be redeemed at any time. This gave him flexibility in financial planning.

3. Discounts and partner offers for more savings

The FIRST Classic Credit Card can also help you save money through exclusive offers like:

1. 25% off on movie tickets, up to ₹100, on the District by Zomato mobile app once every month

2. 1% Fuel surcharge waiver up to ₹200 in a statement cycle

3. Up to 20% discount at more than 1500 restaurants and up to 15% discount at more than 3000 health and wellness outlets

These helped Omkar manage expenses better while still enjoying his weekends.

Every day expenses to earn big with Credit Card rewards
 

Omkar doesn't go out of his way to spend more - he just uses his FIRST Classic Credit Card for routine expenses. Here's how his daily habits help him earn valuable Credit Card rewards every month:

1. Grocery shopping
 

Omkar buys weekly essentials like fruits, vegetables, snacks, and cleaning supplies. Using his card at the supermarket or online grocery apps earns him reward points without extra effort.

2. Fuel refills

He drives to work and refuels his car on a regular basis. By paying with the card, Omkar gets a 1% fuel surcharge waiver and earns reward points.

3. Dining out or ordering in

Whether he's grabbing a coffee with colleagues or ordering dinner on a food delivery app, every payment earns him points. Some restaurants also offer partner discounts when he uses the card.

4. Paying utility bills

Omkar pays for electricity, broadband, and phone bills online. These fixed monthly costs help him collect steady reward points while helping him manage expenses.

5. Entertainment
 

Omkar books movie tickets using the District by Zomato app. He gets up to 25% off up to ₹100 and earns points, making his weekend plans more budget-friendly. He also uses his card to pay for OTT subscriptions, such as Netflix and Amazon Prime, earning steady Credit Card rewards on those as well.

6. Online shopping

He shops for clothes, gadgets, and other essentials through e-commerce platforms. These purchases earn accelerated Credit Card rewards when crossing spending milestones.

These examples show how easy it is to turn your everyday spending into savings. You don’t need to overspend - you just need to use your card smartly.

Effortless earning - no drastic changes needed
 

“I didn’t need to change how I spend. Just the card I used.” That’s what Omkar tells his friends now. The beauty of the FIRST Classic Credit Card is that it fits into your life. You don’t have to hunt for special offers or change how you spend money.

Groceries? Use the card.

Monthly bills? Use the card.

Ordering food? Same card.

Even UPI? You can also enable UPI on the card for ₹199 + GST and receive up to ₹200 cashback on your first four transactions.

This means you're not doing anything extra. You're just making your Credit Card rewards work in the background.

How to apply and start earning rewards right away
 

Omkar got his card online, and the process took less than 10 minutes. Here’s how you can do it:

1. Step 1 – Visit the IDFC FIRST Bank website or mobile app.
2. Step 2 – Fill out the online application form.
3. Step 3 – Complete your video KYC for verification.
4. Step 4 – Wait for approval.
5. Step 5 – Once approved, your card will be issued.
6. Step 6 – Start using your card and earning rewards immediately.

No joining fee, no annual fee- just amazing privileges!

What else can you love about this card?
 

It’s not just the rewards. Here are some other perks you can enjoy with the FIRST Classic Credit Card:

1. No annual fees - yes, really. It’s a lifetime-free card
2. Interest-free ATM withdrawals for up to 45 days (though there is a small ₹199 fee per withdrawal)
3. Railway lounge access – four times a quarter 
4. Complimentary roadside assistance
5. Extra points for flight and hotel bookings through the app

Simple tips to earn more without overspending
 

Omkar’s one rule? “Use the card for what you already buy - but pay it off in full.” He never spends just to earn points. He tracks his monthly budget, knows what he can afford, and then uses the card for those planned expenses. This way, he’s not only earning Credit Card rewards but also building a good credit score and staying in control of his money.

Ready to try it for yourself?
 

If you’ve been thinking about getting a card that’s budget-friendly and helps you manage expenses better, without needing to spend more, the FIRST Classic Credit Card is worth a look. Credit Card reward points, discounts, or exclusive offers- you got it all! 

Don’t wait - apply for the FIRST Classic Credit Card today and start earning rewards on your regular spending!