IDFC First Private Credit Card
Card Details
Card Details
- Issuer
- IDFC FIRST Bank
- Card type
- Ultra Premium
- Joining fee
- ₹50,000 + GST
- Annual fee
- ₹50,000 + GST
- Rewards currency
- Reward Points
Highlights
Highlights
- Unlimited Domestic + International Lounge
- Unlimited Golf Rounds
- 1 RP = ₹1 on Travel
- Zero Forex fee
Welcome, annual & renewal benefits
Welcome, annual & renewal benefits
- Joining/Annual Fee: ₹50,000 + GST (~₹59,000). Invite-only.
- Welcome: 50,000 Reward Points + Complimentary Club ITC Culinaire membership.
- Renewal: 25,000 RPs on annual fee payment.
- Taj Experiences Dinner Voucher on ₹15L spend within 6 months.
- Club ITC renewed on ₹40L annual spend + fee payment.
Reward earning
Reward earning
| Spend type | Earn rate |
|---|---|
| All Eligible Spends | 10X Reward Points / ₹150 |
| Rent & Education | 3X Reward Points / ₹150 |
| Insurance | 1X Reward Point / ₹150 |
| Hotels vis IDFC Shop | 60 Reward Points / ₹150 |
| Flights vis IDFC Shop | 30 Reward Point / ₹150 |
- 1 RP = ₹1 on travel via IDFC Travel & Shop; ₹0.25 elsewhere.
- Karma Points earned for charitable donations.
- No RPs on fuel, EMI, cash withdrawals.
- No late payment fee, no over-limit charges.
Additional Benefits
Additional Benefits
- Unlimited domestic airport lounge (primary + add-on).
- Unlimited international airport lounge (primary + add-on).
- 4 guest visits/year at domestic lounges.
- Unlimited railway lounge access.
- Unlimited golf rounds/lessons (domestic). 1 international golf round/quarter.
- ₹750 off on BookMyShow (movie/non-movie, twice/month).
- Trip cancellation cover.
- Forex markup: Zero.
- Cash advance: Zero charges globally.
- 1% fuel surcharge waiver (no cap).
- Insurance: ₹1Cr air accident + travel insurance.
- No late payment or over-limit charges.
- Visa Infinite: Meet & Greet, concierge, hotel perks.
Review
Review
IDFC's most flagship product and it does not dissapoint. The only thing missing is transfer partners otherwise this is one of the most elite card in Indian Market.