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REWARD POINTS CARD

FIRST Private Credit Card

IDFC FIRST Bank

An invitation-only metal Visa card with 10 Reward Points per ₹150 on eligible domestic spends, 0% forex markup and unlimited domestic and international airport lounge access.

₹50,000 + GST first-year fee and ₹25,000 + GST from year 2. Fuel, EMI, cash and quasi-cash earn no points; rent, utilities and similar earn 1 RP per ₹150. Points accrue only up to the credit limit each cycle.

FIRST Private Credit Card
ANNUAL FEE
₹25,000 + GST
JOINING FEE
₹50,000 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
1 Reward Point is worth ₹1 when redeemed for travel bookings on the IDFC FIRST Bank Mobile App (₹0.25 elsewhere).
BEST FOR
Included: Cardholders who travel often, use airport and railway lounges, and are comfortable with a ₹50,000 + GST first-year fee.
Included: May suit regular domestic spending on eligible categories, which earns 10 Reward Points per ₹150.
Included: May suit spending abroad, with 0% forex markup and 5 Reward Points per ₹150 on international spends.
Included: May suit flight and hotel bookings made via the IDFC FIRST Bank Mobile App, where points redeem at ₹1 each.
Limitation: Spending mostly on fuel, rent, utilities, insurance or wallet loads may wish to compare other cards.
Limitation: Spending concentrated in rent, utilities, education, insurance or wallet loads may wish to compare other cards.
Limitation: Those seeking spend-based milestone benefits, which were discontinued from 17 Jul 2026 may wish to compare other cards.
Limitation: Those wanting to apply directly may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Points earned in a cycle are reversed if at least the Minimum Amount Due is not paid by the due date.
Condition: Spend-based milestone benefits were discontinued on this card from 17 Jul 2026.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹50,000 + GST
Annual / renewal fee
₹25,000 + GST
Fee waived at
Not stated
Forex markup
0%
Finance charge
9% p.a.
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited complimentary access to select lounges across India · Primary and add-on each; 4 complimentary guest visits a year (one guest at a time); ₹2 card validation charge
International airport lounge
Unlimited — Unlimited complimentary access to select lounges overseas · Via DreamFolks card; primary and add-on; some lounges need online pre-booking up to 48 hrs ahead; ₹2 validation
Railway lounge
Unlimited — Unlimited complimentary access to select railway lounges in India · Primary and add-on; no complimentary guest visits; ₹2 validation; card reusable 24 hrs after last access
Lounge spend requirement
Not stated
Lounge programme
EliteAssist (lounges in India); DreamFolks (international and railway lounges)
EVERYDAY
Fuel
Fuel surcharge waiver provided
Dining
Dine with Visa: access to premium restaurants across India with curated menus and reservations
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fees/charges & GST, EMI conversions, quasi cash, balance transfers, fuel, loan on card, cash withdrawals. 1 RP/₹150 on rent, education, utilities, insurance, govt, FasTag, wallet loads, railways, gift vouchers, jewellery; Fees or charges and GST, transactions converted to EMIs, quasi cash, balance transfers, fuel, loan on card, cash withdrawals
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: 1 Reward Point is worth ₹1 when redeemed for travel bookings on the IDFC FIRST Bank Mobile App (₹0.25 elsewhere).
Included: Unlimited complimentary access to select domestic, international and railway lounges for primary and add-on cardholders
Included: Golf: unlimited complimentary rounds or lessons at select Indian courses and 1 international round per quarter (primary cardholders)
Included: BookMyShow: ₹750 off on movies, events and food combos twice a month (offer valid till 31 Mar 2027)
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.