IDFC First Private Credit Card
4 from 343 Users
4 from 343 Users
High-Earning Reward Points
earn 10X points on monthly spends and 3X points on rent and education
Get Points On Travel & Insurance
as earn 1X on insurance premiums; 60 points/₹150 on hotels; 30 points/₹150 on flights
Shopping
Dining
Travel
Joining Fees
₹59,000 ( ₹50000 + GST )
N/A
Annual Fees
₹59,000 ( ₹50000 + GST )
N/A
Age Criteria
21-60 years
Salary Criteria
N/A LPA
Credit Rating*
750+
See if you are eligible for this card
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
All Benefits
• 10X Reward Points on monthly spends.
• 3X Reward Points on rent and education-related payments.
• 1X Reward Point on insurance premium payments.
• Reward Points earned per ₹150 spent on eligible transactions (w.e.f. 17 June 2025).
• 1 Reward Point = ₹1 on travel bookings via Travel & Shop section on IDFC FIRST Bank Mobile App (w.e.f. 1 June 2025); ₹0.25 everywhere else.
• Bonus 50 Reward Points on hotel bookings via Travel & Shop.
• Bonus 20 Reward Points on travel bookings via Travel & Shop.
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
| Structure | Details |
|---|---|
Forex Markups   0% forex markup — no extra fee on foreign currency spends, online or abroad. | N/A |
APR Fees Interest rates are dynamic and range from 0.75% to 3.99% per month (9%–47.88% p.a.) | 3.99 |
ATM Withdrawl A ₹199 fee is charged per domestic cash withdrawal. | ₹199 |
Reward Redemption Fees ₹99 + GST reward redemption fee | ₹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% rent payment fee applies. | 1% |
Cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal. | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300). | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
TOP USPs
High-Earning Reward Points
earn 10X points on monthly spends and 3X points on rent and education
Get Points On Travel & Insurance
as earn 1X on insurance premiums; 60 points/₹150 on hotels; 30 points/₹150 on flights
Apply Now