IDFC FIRST Private
Annual Fee
₹50,000
Rewards/₹100 ⓘ
₹6.67 - ₹22.50
Interest Rate
9.00%
Credit Score
750+
At a Glance
Key Benefits
Reward points
Lounge Access
Unlimited domestic + Unlimited intl lounges/year
Eligibility
Income: Above Rs 1 Lakh/month, Age: 21-65 years, CIBIL: 750+
Quick Details
Reward Structure
All Spends
Flights via App
Hotels via App
Reward Calculator
Milestone Benefits
50,000 Reward Points on joining fee payment
value
25,000 Reward Points on annual fee payment
value
Taj Dining voucher on Rs.15L spend in 6 months
Spend ₹15,00,000 within 180 days
value
Airport Lounge Access
visits
+ 4 guest visits
visits
+ 4 guest visits
visits
Insurance Coverage
Air Accident
₹1,00,00,000
Travel
₹1,00,000
Trip Cancellation
₹50,000
Lost Card
₹50,000
Lifestyle Perks
Golf
Unlimited golf in India, 1/quarter internationally
Concierge
24x7 Visa Infinite Concierge
Movies
Up to Rs.1500 off on BookMyShow per month
Dining
25.00% off
Club ITC Culinaire + Accor Plus dining benefits
Quick Analysis
The IDFC FIRST Private Credit Card sets the benchmark for super-premium cards with India's lowest 9% APR and 0% forex markup. The exceptional reward value (up to 60X on hotels) and unlimited lounge/golf access justify the Rs.50K fee for IDFC Private Banking customers. Best for those who can leverage the travel rewards and low-interest benefits.
Pros
- Industry-lowest 9% APR interest rate
- 0% forex markup on international transactions
- 10X rewards (up to 60X on hotel bookings via app)
- 1 RP = Rs.1 value on travel redemptions
- Unlimited domestic + international lounge access
- Unlimited golf in India + international
- 0% cash advance interest (up to 48 days)
- No late payment or overlimit fees
- Club ITC Culinaire + Accor Plus memberships
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for Private Banking customers
- Rs.40L annual spend needed for ITC membership renewal
- Redemption capped at 70% of booking value
- 3L points annual/1.5L monthly redemption cap
- Spa access discontinued Dec 2025
Best For
IDFC Private customers, international travelers, low-interest seekers, golf enthusiasts
Not Ideal For
Those without Rs.1Cr+ relationship, non-travelers, casual card users
Frequently Asked Questions
What are the fees for IDFC FIRST Private Credit Card?
What is the eligibility criteria for IDFC FIRST Private Credit Card?
What rewards does IDFC FIRST Private Credit Card offer?
Does IDFC FIRST Private Credit Card offer airport lounge access?
How can I apply for IDFC FIRST Private Credit Card?
User Reviews
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