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IDFC FIRST Bank /

IDFC FIRST Private Credit Card

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IDFC FIRST

IDFC FIRST Private Credit Card

Travel

Premium

Shopping

4.0/5.0

Paisabazaar Review

1^st Year Fee: ₹50,000* Plus Applicable Taxes

Lounge Access

Unlimited lounge access worldwide

Hotel Benefits

Club ITC & AccorPlus Membership

Zero Forex Mark-up

Save on all your international spends

Updated on November 19, 2025 5:59 pm

Author: Rupanshi Thapa

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About The Card Welcome Benefits & Rewards Program Other Features Fees & Charges Things to Know Card Review FAQs

About IDFC FIRST Private Credit Card

IDFC FIRST Private Credit Card is an invite-only super-premium card catering to high-income consumer segment. Cardholders can earn reward points on all spends, including generally excluded categories like rent, education and insurance. Unlimited lounge access, zero forex mark-up fee and complimentary hotel memberships make this card a good option for frequent travellers.

With features that span multiple categories, IDFC FIRST Private competes with super-premium credit cards like Axis Reserve and HDFC Infinia. Though it comes with a good reward-earning rate, it lacks the two key features of a premium card’s rewards program – high redemption value and point-to-mile transfer facility. Consumers who can maximize the travel and lifestyle benefits can extract good value out of the card. However, high spenders looking for maximum rewards value may find better alternatives in the super-premium segment.

Note: This is an invite-only card. Content on this page is for information only.

Rewards Program, Welcome & Milestone Benefits

Welcome Benefits

1,00,000 bonus rewards points worth Rs. 25,000
Complimentary Club ITC Culinaire Select Membership
Complimentary Accor Plus Explorer Membership

Rewards Program

10 reward points per Rs. 100 across all spending categories except rent, education and insurance
3 reward points per Rs. 100 spent on rent and education spends
1 reward point per Rs. 100 spent on insurance premiums

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As compared to other IDFC FIRST Credit Cards that follow an incremental rewards structure, IDFC FIRST Private offers 10X rewards across all spends, irrespective of the spending limit. However, considering a low redemption rate of Rs. 0.25 for each reward point, the actual reward rate comes to 2.5%, which is not impressive for a super-premium card. Moreover, the card does not provide redemption against air miles or travel bookings – options that generally make premium cards’ rewards program valuable. Karma Points on transactions beyond Rs. 30,000 are an added advantage, especially for high-spenders.

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Other Features and Benefits

Travel Benefits

0% forex mark-up fee
Unlimited domestic and international airport lounge and spa access in India for both primary and add-on cardholders, along with 4 free domestic lounge visits for accompanying guests
4 complimentary railway lounge visits in a quarter
Trip cancellation cover for 2 claims up to Rs. 50,000 on flight and hotel bookings
Comprehensive travel and air accident insurance covers
Complimentary roadside assistance worth Rs. 1,399

Also Check: Best Lounge Access Credit Cards

Fees and Charges

Particulars	Amount
Joining Fee	Rs. 50,000
Annual Fee	Rs. 50,000
Finance Charges	0.75% p.m. (9% p.a.)
Cash Withdrawal Fee	Nil
Late Payment Charges	Nil

Things to Know Before you apply

Who is likely to get an invite for IDFC FIRST Private Credit Card?

People who already have a banking relationship with IDFC FIRST Bank

Consumers who have a very high annual income

Individuals who already own super-premium cards from other providers, along with high credit limit

People with an excellent credit profile and a history of handling high-value transactions

Similar Cards

Axis Burgundy Private

HDFC Infinia

American Express Platinum Card

ICICI Emeralde Private Metal Credit Card

Paisabazaar Review

Overall Rating

4.0_/5

Rewards3.5_/5

Lounge Access4.5_/5

Welcome Benefits4.0_/5

Lifestyle Benefits4.0_/5

What do we like about this card?

With benefits like hotel memberships, zero forex mark-up, unlimited lounge access and airport meet and greet service, IDFC FIRST Private Credit Card can be an excellent option for frequent travellers – both domestic and international. Additional perks like unlimited golf rounds, dining and movie benefits make it a well-rounded super-premium card. However, its rewards program falls short when compared to other premium cards like HDFC Infinia or Axis Reserve, primarily due to a subpar redemption ratio (4:1), which significantly lowers the overall reward rate.

Pros

No forex mark-up fee
Unlimited lounge access with extensive travel-assistance benefits
Up to Rs. 18,000 off on entertainment bookings like movies, events, etc.

Cons

Reward rate of 2.5% is low as compared to other super-premium credit cards
No air miles conversion option

Conclusion

While IDFC FIRST Private Credit Card may fall behind other premium cards in terms of reward rate, its overall value lies in the extensive travel and lifestyle benefits it offers. For those who can make the most of its travel and lifestyle benefits, the combined perks can easily offset the annual fee. However, high spenders seeking maximum returns on their purchases may find better value with premium cards offering higher reward rates.

Frequently Asked Questions

Everything you need to know about this credit card

What is the annual fee waiver condition for IDFC FIRST Private Credit Card?

The card does not offer spend-based annual fee waiver.

I have IDFC FIRST Wealth Credit Card. Can I upgrade it to IDFC FIRST Private?

You can get IDFC FIRST Private Credit Card only if you get an invite from the bank. Existing IDFC FIRST Bank customers who have shown responsible credit usage may be considered. Since IDFC FIRST Wealth is also a high-end option and comes with high income eligibility, Wealth cardholders could be more likely to get an invite. You can speak to your relationship manager to get more clarity on this.

How are Karma Points useful for me?

Karma Points can be earned on spends beyond Rs. 30,000 per month. As soon as you accumulate 25,000 Karma Points, they get donated to the charity of your choice.

How to avail golf benefit with IDFC FIRST Private Credit Card?

To book your golf round/lesson, you have to visit https://idfcfirst.truztee.com/. Use your registered email ID and OTP to login to the website. Select the golf course of your choice and make the booking.

Can I use this card for insurance premium payment?

Yes. You can use this card and earn 1 reward point for every Rs. 100 spent for insurance premium payment.

What is the limit of IDFC Private credit card?

The credit limit of any credit card is dependent on the cardholder’s credit profile and history, income, credit score and the card provider’s internal policies. So, there is no set limit which is offered to all the users of a similar credit card variant.

How to get IDFC First Private credit card?

IDFC FIRST Private credit card is an invite-only credit card. So, you cannot apply for it on your own. Either the bank offers this card to the eligible customers or you may also enquire about this card through your assigned relationship manager.

What is the eligibility of IDFC First Bank Private credit card?

IDFC FIRST Private credit card is a super premium invite-only card. So, only high net-worth individuals with a high credit score and good credit profile are likely to be eligible for this card. The card provider also has certain internal policies which affect the customers eligibility for any credit card.

What are the benefits of IDFC Private credit card?

IDFC FIRST Private credit card offers up to 10 reward points on every Rs. 100 spent, along with welcome bonus in the form of Club ITC Culinaire Select and Accor Plus Explorer memberships and 1 lakh reward points. It is a zero forex card with unlimited airport lounge access which also comes with trip cancellation cover for flight and hotel bookings. For the detailed features and benefits of this card, you can refer to this page.

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Footnotes

Net spends for the first 6 statement cycles will be considered for milestone calculation, every anniversary year. Reversed transactions, EMI conversion, balance transfers, cash withdrawals, fees and financial charges and spends made on add-on cards will not be considered.
Fuel, EMI, Insurance transactions, Cash withdrawals, rental and property transactions do not qualify for Karma Point accrual.
Visa may update the terms and conditions related to these benefits. Consumers are advised to check updated details before availing.

Click here to know More Terms and Conditions

Rupanshi Thapa

Content Writer

Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidence– whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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