Mastercard,VISA ★ Metal Edition 📡 Contactless NFC

IDFC FIRST Private Credit Card

Joining Fee₹50,000

Annual Fee₹50,000

Forex Markup 0% ZERO

Application ModeDirect via Bank Website

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Vouchers worth up to ₹5,000 on spending within first 30 days of card issuance

Unlock Taj Experiences Signature Dining Vouchers

and enjoy Club ITC Culinaire Select membership with premium dining privileges at participating ITC hotels

Accelerated Rewards with 10X Reward Points

on monthly spends, plus extra bonus Reward Points on travel bookings via the bank’s Travel & Shop platform

Earn 30 Reward Points per ₹150 on Flight Bookings

via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 20 bonus points per ₹150 with a monthly bonus cap of 300 points

Earn 60 Reward Points per ₹150 on Hotel Bookings

via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 50 bonus points per ₹150 with a monthly bonus cap of 600 points

💰 Reward Structure & Point Valuation

1 IDFC FIRST Reward Points = ₹0.25

Standard Base Earning

10x Reward Points on incremental spends above ₹20,000 per month and on birthday spends (2.5% value)

Accelerated / Partner Rate

6x Reward Points on online spends and 3x on offline spends up to ₹20,000 per month

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: IDFC FIRST Rewards Portal, Flight and Hotel Bookings, Brand Vouchers, Product Catalog

🚫 No Reward Points / Cashback on:

Fuel EMI Transactions Cash Advances Balance Transfer Casino Betting Government Transactions

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited domestic airport and railway lounge access

🌐

International Lounge VisitsUnlimited international lounge access via Priority Pass

⚠️

Spend Criteria: Unconditional access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Lifetime Free or based on specific relationship value with IDFC FIRST Bank

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver (Capped at ₹1000/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹150,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

Official Bank Portal Application

Get the IDFC FIRST Private Credit Card

Annual Fee: ₹50,000/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, IDFC FIRST Private Credit Card has a joining fee of ₹50000 and an annual renewal fee of ₹50000 (plus applicable taxes).