Card Image
FIRST Premia
Annual Fee
₹3,999
Rewards/₹100 ⓘ
₹1.50 - ₹5.00
Normalized to balance base rate with bonus categories
Interest Rate
9.00%
Credit Score
750+
At a Glance
Key Benefits
10X rewards on travel, 9% APR, 1.5% forex, lounge access
Lounge Access
8 domestic + 4 international lounges/year
Eligibility
Salaried: Rs.75,000+/month, Age: 21-60, CIBIL: 750+
Quick Details
Annual Fee
₹3,999
#255
Joining Fee
₹3,999
#255
Interest Rate
9.00% p.a.
#3
Forex Markup
1.50%
#18
Rewards/₹100
₹1.50 - ₹5.00
#49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
8/year
#30
International Lounge Visits
4/year
#29
Min Credit Score
750+
#186
Min Monthly Income ₹50
Network VISA
Cash Advance Fee 2.50% (min ₹500)
Late Payment Fee ₹800
Fee Waiver on Spend ₹2,00,000/yr
Reward Structure
Base
All Spends
₹1.50 /₹100
Cat
Travel
₹5.00 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Airport Lounge Access
Domestic Free
8
visits per year
8 domestic lounge visits per year
International Free
4
visits per year
4 international lounge visits per year
Quick Analysis
The IDFC First Bank FIRST Premia is a premium credit card ideal for frequent travelers and high spenders. Best suited for those who can maximize the premium benefits.
Pros
- Annual fee waiver on spending ₹200000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.50% - great for international spends
- Extended interest-free period of 50 days
Cons
- Reward points may have limited redemption options
Frequently Asked Questions
What is the annual fee for IDFC FIRST Premia Credit Card?
The IDFC FIRST Premia Credit Card has an annual fee of Rs 999 which is waived on spending Rs 1 lakh or more in a year.
What are the reward points on IDFC FIRST Premia?
You earn 3 reward points per Rs 100 spent, which is equivalent to 3% rewards. Points can be redeemed at 0.25 paisa per point.
Does IDFC FIRST Premia offer lounge access?
Yes, the card offers 4 complimentary domestic lounge visits per quarter through the Mastercard Lounge Program.
What is the interest rate on IDFC FIRST Premia?
The card offers one of the lowest interest rates in the industry at 9.99% to 35.99% per annum, based on your credit profile.
Is there a fuel surcharge waiver on IDFC FIRST Premia?
Yes, you get 1% fuel surcharge waiver on transactions between Rs 400 and Rs 5000 at all fuel stations across India.
User Reviews
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Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.