IDFC
IDFC First Private Credit Card
This is an invite only card
This is an invite only card
Apply and get ₹750 Rewards
This is an invite only card
Top Benefits
Earn 60 Reward Points per ₹150 on Hotel Bookings
via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 50 bonus points per ₹150 with a monthly bonus cap of 600 points
Earn 30 Reward Points per ₹150 on Flight Bookings
via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 20 bonus points per ₹150 with a monthly bonus cap of 300 points
Best For
Shopping
Dining
Travel
Joining/Annual Fee
Joining Fees
₹59,000 ( ₹50000 + GST )
Annual Fees
₹59,000 ( ₹50000 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
N/ALPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 10X reward points per ₹150 on eligible spends
- Earn 3X points on rent & education and 1X on insurance spends
- Reward redemption value: ₹1 per point on travel bookings and ₹0.25 elsewhere
- Bonus reward points: 50 points on hotels & 20 points on flights per ₹150 via bank app
- Monthly bonus reward points capped at 600 (hotels) and 300 (flights)
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
Travel & Shop, Gift Vouchers, Charity Donations (with 25% RP back), No Expiry
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI Spends
ATM Cash Withdrawals
Wallet Transactions
Load Money
Bank Charges & Fees
Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Balance Transfer
Financial Charges
For Spends Waiver
Fuel Spends
EMI Spends
ATM Cash Withdrawals
Wallet Transactions
Load Money
Bank Charges & Fees
All Reversals
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Utility Bill Payments
Balance Transfer
Financial Charges
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% forex markup — no extra fee on foreign currency spends, online or abroad. | 0% |
APR Fees Interest rates are dynamic and range from 0.75% to 3.99% per month (9%–47.88% p.a.) | 3.99 |
ATM withdrawal A ₹199 fee is charged per domestic cash withdrawal. | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn 60 Reward Points per ₹150 on Hotel Bookings
via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 50 bonus points per ₹150 with a monthly bonus cap of 600 points
Earn 30 Reward Points per ₹150 on Flight Bookings
via the Travel & Shop section on the IDFC FIRST Bank Mobile App, including 20 bonus points per ₹150 with a monthly bonus cap of 300 points
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