IDFC First Bank
IDFC FIRST Private Credit Card
Data last verified: 24 October 2026
- Joining fee₹50,000 + GST
- Annual fee₹25,000 + GST
- Reward rate1.67% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹50,000 + GST
- Annual fee₹25,000 + GST
- Forex markup0%
- Interest (APR)0.75% a month, 9% a year
01IDFC FIRST Private Credit Card Rewards and Benefits
02IDFC FIRST Private Credit Card Annual Fee and Charges
- Joining fee
- ₹50,000 + GST
- Annual fee
- ₹25,000 + GST
- Spend-based waiver
- None
- Rewards redemption fee
- Nil
- Forex markup
- 0%
- Interest rate
- 0.75% a month (9% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1.67%₹334
- Back each month, ₹4,008 a year₹334
- Annual fee with 18% GST−₹29,500
- It costs you each year₹25,492
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 0% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹1,47,500 a month: below that the ₹29,500 fee costs more than the rewards
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you spend a lot on fuel: the card's terms do not state a rate there, so we count nothing
- you sometimes pay only the minimum due: interest of 0.75% a month (9% a year) outweighs any reward
04How IDFC FIRST Private Credit Card earns Rewards
1.67% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1.67% | No cap | The card's normal rate |
| Dining and food delivery | 1.67% | No cap | The card's normal rate |
| Groceries | 1.67% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1.67% | No cap | The card's normal rate |
| Fuel | Not stated | - | the card's exclusions are not published, and many cards pay nothing here |
| Bills and recharges | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on utility bills, a tenth of the headline rate (0.67% nominal, ~0.17% at ₹0.25 a point) |
| Rent | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on rent, a tenth of the headline 10 RP per ₹150 (0.67% nominal, ~0.17% at ₹0.25 a point). IDFC names rent among its reduced-earn categories on this card. |
| Insurance premiums | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on insurance premiums, a tenth of the headline rate (0.67% nominal, ~0.17% at ₹0.25 a point) |
| School and college fees | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on education payments, a tenth of the headline rate (0.67% nominal, ~0.17% at ₹0.25 a point) |
| Wallet top-ups | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on wallet loads, a tenth of the headline rate (0.67% nominal, ~0.17% at ₹0.25 a point) |
| Taxes and government payments | 0.17% | No cap | All merchants in the categoryTerms: 1 RP per ₹150 on government and tax payments, a tenth of the headline rate (0.67% nominal, ~0.17% at ₹0.25 a point) |
| Spend abroad or in a foreign currency | 0.83% | No cap | All merchants in the categoryTerms: 5 RP per ₹150 on eligible international spends (~0.83% at ₹0.25) with a genuine 0% forex markup |
| Everything else | 1.67% | No cap | The card's normal rate |
Terms on the base rate. Flat 10 RP per ₹150 on eligible domestic spends; 1 RP per ₹150 on rent, education, utilities, insurance, government, FASTag, wallet, railways, gift vouchers and jewellery (the first six now carry their own rows); 1 RP = ₹1 on in-app travel bookings and ₹0.25 elsewhere; points never expire
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05IDFC FIRST Private Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited. Unlimited complimentary domestic and international airport lounge access for the primary cardholder. Spending abroad carries a 0% forex markup; rewards on it: 0.83% back. See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, insurance cover, airport lounge access, movie ticket offers.
- Concierge service: 24x7 lifestyle and travel concierge
- Fuel surcharge waiver: 1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, with no cap per statement cycle
- Golf privileges: Unlimited complimentary rounds and lessons at premier Indian courses, plus 1 round per quarter at select international destinations
- Insurance cover: Travel and air accident cover up to ₹2.5 crore, CFAR trip-cancellation up to ₹50,000 twice a year, zero card liability up to ₹50,000
- Movie ticket offers: Up to ₹1,500 off movie and event bookings on BookMyShow every month
06Recent Changes
What IDFC First Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 17 Jul 2026 | Changed: Annual fee halved to ₹25,000; 50,000-point commencement benefitSource: IDFC First Bank | ₹50,000 + GST | ₹25,000 + GST; 50,000 reward points credited on commencement-fee realization (cards issued on or after 17 Jul 2026) |
| 17 Jul 2026 | Reduced: Spend-based milestones discontinuedSource: IDFC First Bank | Renewal milestone reward points on annual spend | None, spend-based milestones discontinued |
| 1 Jun 2025 | Changed: Bonus travel earning added on the Travel & Shop portalSource: IDFC First Bank | Base points only on travel bookings | Up to 50 bonus RP/₹150 on hotels, 20 bonus RP/₹150 on flights (base 10 RP/₹150) |
| 1 Jun 2025 | Changed: Relaunch adds welcome & renewal reward bonusesSource: IDFC First Bank | No headline welcome-point bonus | 50,000 welcome RP + Club ITC Culinaire; 25,000 RP on renewal |
| 1 Jun 2025 | Changed: Travel-portal redemption revalued to ₹1 per pointSource: IDFC First Bank | 1 RP = ₹0.25 everywhere | 1 RP = ₹1 on the FIRST Travel & Shop portal (₹0.25 elsewhere) |
See this card's change history → · All card changes in July 2026 →
07Cards Similar to IDFC FIRST Private Credit Card
IDFC FIRST Private Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IDFC FIRST Private Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹50,000 + GST | Lifetime free | ₹499 + GST |
| Annual fee | ₹25,000 + GST | Lifetime free | ₹499 + GST |
| Rewards | 1.67% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | Unlimited | Unlimited | Not included |
| Forex markup | 0% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IDFC FIRST Private Credit Card Bill
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Common Questions
What is the joining fee for the IDFC FIRST Private Credit Card?
The joining fee is ₹50,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IDFC FIRST Private Credit Card?
The annual fee is ₹25,000 + GST.
Does the IDFC FIRST Private Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IDFC First Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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