IDFC FIRST Private Credit Card
Updated 15 Apr 2026Source-linked
The IDFC FIRST Private Credit Card is a invite only credit card from IDFC FIRST Bank, with a joining fee of ₹0 + GST.
It earns up to 10% back on online spend above 20k spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access.
IDFC FIRST Private Credit Card
- Joining FeeFree
- Annual FeeFree
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 10% on online spend above 20k
- 10% on incremental above 30k
- Base 0.50% on other spends
Welcome Benefits
- Not applicable
IDFC FIRSTinfiniteinvite onlyLifetime freeRewards and Benefits
Rewards Rate
10% on online spend above 20k
10% on incremental above 30k
Base 0.50% on other spends.
Reward Redemption
IDFC FIRST Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
- air accident: ₹5,00,00,000
- travel medical: ₹1,00,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- invite only card issued by IDFC FIRST Bank.
- Lifetime free — no joining or annual fee.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Lifetime-free — no joining or annual fee.
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 10% on online spend above 20k.
Cons
- No rewards on fuel spends.
- Invite-only — limited availability.
Accelerated rewards
- 10% on online spend above 20k
- 10% on incremental above 30k
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
- utilities
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass, loungekey. Guests: unlimited.
Insurance benefits
- air accident: ₹5,00,00,000
- travel medical: ₹1,00,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000.
Sources
- : www.idfcfirstbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 780+
- Income (salaried)
- —
- Income (self-employed)
- —
Invite-only to IDFC FIRST Private / Wealth banking customers.