IDFC FIRST Private credit card

IDFC FIRST Private

IDFC FIRST Bank · Visa

IDFC FIRST Private offers zero forex markup, private concierge services, and premium travel benefits for high net-worth customers.

Annual Fee

₹50,000

Joining Fee

₹50,000

Base Reward Rate

5X

₹1/pt

Min CIBIL

800

₹36L+ income

Key Features

Exclusive to IDFC FIRST Private Banking customers
Unlimited complimentary lounge access worldwide
Up to 30X reward points on premium hotel and luxury spends
10X on all other online spends
5X on offline spends
Dedicated private banking relationship manager
Unlimited golf at premium courses in India and abroad
Never-expiring reward points with no upper limit

Welcome Benefits

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Complimentary Card for Private Banking Clients

Zero annual fee for IDFC FIRST Private Banking customers as part of the premium banking relationship

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Unlimited Lounge Access from Day One

Immediate unlimited global lounge access for primary and add-on cardholders

Reward Rates by Category

Dining

10X

Travel

10X

Online

5X

Shopping

5X

Grocery

5X

Fuel

1X

Utilities

1X

Other

5X

Partner Earn Rates

PartnerCategoryEarn Rate
Luxury HotelsHotels30X
Fine DiningDining30X
All Online SpendsOnline10X
Offline SpendsOffline5X

Milestone Benefits

₹10.0 L

50,000 Bonus Reward Points

Earn 50,000 bonus reward points on ₹10 lakh annual spend

Annual

₹50.0 L

2,00,000 Bonus Reward Points + Hotel Night

Earn 2 lakh bonus points and a luxury hotel night on ₹50 lakh annual spend

Annual

Airport Lounge Access

Domestic

Unlimited

International

6 visits/year

Insurance & Protection

Air Accident Cover

When tickets booked on card

₹3 Crore

Overseas Medical

Emergency medical internationally

USD 1,00,000

Comprehensive Travel Cover

Trip cancellation, baggage and delay

Full

Purchase Protection

High-value purchases protected

Up to ₹10 Lakhs

Pros

  • Zero forex markup
  • Private concierge service
  • Unlimited domestic lounge access
  • 6 international lounge visits/year
  • Premium travel insurance

Cons

  • Very high annual fee of ₹50,000
  • High income requirement
  • Limited branch network

Frequently Asked Questions

Who is eligible for IDFC FIRST Private card?+
Available to IDFC FIRST Private Banking customers with qualifying relationship value. Contact your IDFC FIRST Private banker for eligibility criteria.
What earn rate on luxury spends?+
Up to 30X reward points on luxury hotels and fine dining. 10X on all other online spends and 5X offline.
Lounge access?+
Unlimited global lounge access for primary and add-on cardholders — no quarterly caps.
Do points expire?+
Never — IDFC FIRST reward points never expire, regardless of account age.
Annual fee?+
Complimentary for qualifying IDFC FIRST Private Banking customers.

Ready to apply?

Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.

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IDFC FIRST Private

₹50,000/yr · 5X rewards