IDFC FIRST Bank
FIRST Purchases Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
3.5% + GST
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
Flipkart
5% CashBack
Reward Calculator
Earns ₹500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
2.0K
IDFC FIRST Reward Points
₹500
via standard · ₹0.25/pt
Effective rate
0.17%
Annual fee
FREE
Year 1 net
+₹500
Year 2+ net
+₹500
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.3L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
Waived on ₹1L annual spend