IDFC FIRST Bank
FIRST Private Credit Card
Annual Fee
₹59,000₹50,000 + GSTBase Reward
1% points
Foreign Markup
0%
Welcome Benefits
50,000 Reward Points and Club ITC Culinaire Hotel Membership
Product Highlights
- Full-metal design
- Exclusive invitation-only card
- Premium lounge access
- Travel benefits
Category Rewards
travel
10X Reward Points
10X
utilities
3X Reward Points on Rent and Education-related payments
3X
Specialty
1X Reward Point on Insurance premium payments
1X
Reward Calculator
Costs you ₹51,500/year
Break-even needs ~₹1,96,667/month at your reward mix.
₹25K
across all your buckets
30K
IDFC FIRST Reward Points
₹7.5K
via standard · ₹0.25/pt
Effective rate
2.50%
Annual fee
₹59,000
Year 1 net
₹-51,500
Year 2+ net
₹-51,500
ongoing
Adjust your spend by reward bucket
1 bucketsRewards Details
10X Reward Points on monthly spends, 3X Reward Points on Rent and Education-related payments, 1X Reward Point on Insurance premium payments. Reward Points given per ₹150 spent on eligible transactions.
- 1 Reward Point = ₹1.00 on travel bookings done via FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App, 1 Reward Point = ₹0.25 everywhere else.
Benefits & Features
Domestic: Unlimited access to airport lounges in India. International: Unlimited access to international airport lounges. Complimentary access to accompanying guests at domestic airport lounges.
Pros & Cons
Pros
- 10X Reward Points on monthly spends
- Unlimited access to airport lounges
- Complimentary golf rounds
Cons
- High annual fee of ₹50,000
- Limited to Visa network
Additional Info
Important note 1
Note 2
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks