IDFC FIRST Bank
FIRST Purchases Credit Card
visaclassiccreditshoppingonline
Annual Fee
FREE
Base Reward
1% cashback
Foreign Markup
3.5% + GST
4.8/5
Welcome Benefits
1,000 CashPoints on card setup
Product Highlights
- 10X Rewards on select categories
- Lifetime free on spending ₹1L annually
Category Rewards
shopping
5% CashBack Online
5%
Fee Waiver
Waived on ₹1L annual spend
Merchant-Specific Rewards
Amazon
5% CashBack
5%
Flipkart
5% CashBack
5%
Rewards Details
5% CashBack on Amazon, Flipkart, and other online merchants.
Redemption
1 CashPoint = ₹1 against statement
Benefits & Features
Domestic: 4 complimentary visits per quarter via DreamFolks (Min ₹2L quarterly retail spend required) International: 2 per year via Priority Pass (Available from year 2 onwards) Full lounge access description
Pros & Cons
Pros
- 5% CashBack on Amazon
- 1% fuel surcharge waiver
- 4 complimentary lounge visits
Cons
- Annual fee after first year
- Limited to online merchants for high rewards
Additional Info
Important note 1
Note 2
Max reward cap info
Excluded Categories
fuelrent
Partner Merchants
AmazonFlipkart
Fees & Charges
Annual FeeFREE
Joining Fee₹1,000 + GST
Fee WaiverWaived on ₹1L annual spend
Foreign Markup3.5% + GST
Interest Rate3.75% per month
Cash Advance2.5% of amount, min ₹500
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
visamastercardrupay
Fee Waiver
Waived on ₹1L annual spend