Not available via the quiz
By invitation only
IDFC FIRST Private Credit Card
IDFC FIRST Bank
₹50,000
Joining fee
₹50,000
Annual fee
Fee structure DISCREPANCY: official states Rs 50,000 + GST first year (offset by a 50,000-point welcome benefit for cards issued after 17 July 2026), then Rs 25,000 + GST in subsequent years; Paisabazaar states a flat Rs 50,000/year with explicitly no spend-based waiver. Unresolved; official's tiered figure treated as primary.
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Strictly invite-only; no published age/income criteria. Aggregator describes the likely candidate pool as existing IDFC FIRST Bank customers with strong credit history, high-net-worth individuals, holders of competing super-premium cards, and those capable of substantial transaction volumes.
Lounge access
Unlimited domestic / Unlimited international / Unlimited railway visits per year
Note: Domestic: unlimited access, plus guest access up to 4 times/year. International: unlimited globally. Railway: unlimited within India. Spa access also included in India (aggregator).
Reward details
1X standard (official) / 1 point per Rs 150 on restricted categories - rent, utilities, insurance (Paisabazaar) - the two rate structures do not map cleanly onto each other
- 10X (official) - see discrepancy note on Domestic spend above Rs 30,000/month (official) vs. tiered per-category rates on hotels/flights/domestic/international (Paisabazaar)
- 5X (official) / 5 points per Rs 150 (Paisabazaar) on International spend
Welcome bonus: 100,000 bonus points valued at Rs 25,000 (aggregator) - possibly distinct from the fee-offsetting 50,000-point benefit noted on the official page, possibly referring to different time periods/promotions; unresolved discrepancy
Redemption
Rs 1/point via travel bookings on the mobile app; Rs 0.25/point otherwise (official); points never expire.
Ratio: Rs1 (travel) / Rs0.25 (other)
Excluded from rewards: fuel, EMI, insurance, government services, FASTag
- 0% interest on cash withdrawals globally
- Extensive hotel memberships and concierge services (aggregator-sourced)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Unlimited lounge access, zero forex markup, extensive travel benefits, hotel memberships, comprehensive concierge services — Paisabazaar
Complaints
- Very high annual fee of Rs 50,000 with limited reward value outside travel categories — Paisabazaar
Sources
- Official — fees, forex, lounge, rewards
- Aggregator — eligibility, fee structure, rewards, sentiment