IDFC FIRST Private Credit Card
Fees
₹50,000 + Taxes
Joining & annual
Reward Rate
Uncapped 10X points on incremental spends; 6X on online spends; 3X on offline spends
Welcome Bonus
200,000 welcome reward points, or a luxury welcome gift, on activation
Lounge
Unlimited Domestic + International
Recent changes
Our Expert Take
IDFC FIRST Private is built for a very small audience: existing IDFC FIRST Private Wealth clients who want uncapped reward accumulation and one of the lowest interest rates on any Indian credit card at 0.75% a month. At a ₹50,000 fee, this isn't a card most people should be comparing against, it's an extension of a private banking relationship.
Pros & Cons
Key Advantages
- Uncapped, accelerating reward points with 1:1 transfers to airline and hotel partners
- 0.75% monthly interest rate, among the lowest of any Indian credit card
- Unlimited complimentary domestic and international lounge access for cardholder and guests
Limitations
- Massive upfront annual entry milestone fee layer of ₹50,000 applied to account status
- Strictly accessible to clients keeping ultra-premium wealth management relationship brackets with IDFC First Bank
Key Perks & Spending Milestones
6X reward points applied universally across all online retail spending transaction pipelines
3X reward points tracking automatically on standard offline merchant store terminal swipes
Uncapped 10X reward points triggered on all transactions crossing designated threshold brackets or on birthdays
Unlimited complimentary access to both domestic and international airport lounges globally for primary and add-on cards
Unlimited free accompanying guest entry visits in domestic and international premium lounges via Priority Pass
Zero forex markup on international spends (IDFC FIRST removed markup on all its credit cards from 18 Sep 2026)
Unlimited complimentary golf rounds and instructional lessons at select premier golf courses globally
Air accident death coverage insurance cover plan shielding values up to ₹5 Crore
Spend milestone
Milestone benefits are set individually through your wealth manager
Fees & Charges
Joining fee
₹50,000 + Taxes
Annual fee
₹50,000 + Taxes
Waived or fully reversed dynamically matching Private Wealth banking relationship account rules
Interest rate
0.75% to 1.99% per month (9% to 23.88% per annum)
Late payment fee
up_to_100: Nil; 101_to_500: ₹100; 501_to_1000: ₹500; 10001_to_25000: ₹900; 25001_to_50000: ₹1,100; above_50000: ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹5 Crore
Eligibility Criteria
age
21 to 70 years
employment profiles
Invite-only: restricted to active IDFC FIRST Private Wealth or Private Client Account holders
Credit score & income
Exclusively structured via Invite-Only parameters matching elite Private Client status thresholds