IDFC
IDFC FIRST Private Credit Card
This is an invite only card
This is an invite only card
Apply and get ₹0 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
To check redemption catalogue
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
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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