IDFC FIRST Bank FIRST Private Credit Card

IDFC FIRST Bank · Invite only

IDFC FIRST's invitation-only metal Visa Infinite card. Since 17 July 2026 it pays 10 points per ₹150 on domestic spends and 5 on international ones, worth ₹1 each on flights and hotels booked in the bank's app (₹0.25 elsewhere), with zero forex markup, unlimited lounges and golf, and no late or over-limit charges. ₹50,000 to join, ₹25,000 a year after.

Annual fee
₹25,000 + GST a year
Joining fee
₹50,000 + GST
Base rate
Domestic spends, 10 points per ₹150: 10 IDFC FIRST Bank reward points per ₹150 (about 6.67% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year; Railway: unlimited visits a calendar year
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Hotels booked in the IDFC FIRST app, 50 bonus points per ₹150: 50 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 33.33% at cash value)
  • Flights booked in the IDFC FIRST app, 20 bonus points per ₹150: 20 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 13.33% at cash value)

Earns nothing on

  • No points on fuel, EMI, cash withdrawals and quasi-cash

Where the sources disagree

  • Card liability cover amount: The product page says zero card liability cover "up to ₹50,000"; the insurance privileges document (column "FIRST Private Credit Card") gives ₹5,00,000. We use the insurance document, the policy summary.
  • The Postcard Hotels offer frequency: The Postcard offer in the consolidated T&C says once per month per card, which is what the card file records; the product page does not state a frequency.
  • Reward structure shown in the product page's pop-up: The product page still carries an older "Rewards Structure" pop-up ("10X Reward Points on incremental spends above ₹30,000 per month", "6X and 3X ... up to ₹30,000 per month", "1X = 1 Reward point for every ₹100 spent", "Applicable from 1st September'23") and a Karma Points pop-up at 1 point per ₹100 above ₹30,000. The same page's main text and the consolidated T&C of 17 July 2026 give 10 and 5 points per ₹150 and Karma Points per ₹150. We use the T&C.

Terms the calculator does not value

  • App travel redemption at ₹1 a point is limited to 70% of each booking and 6,00,000 points a calendar year; the calculator applies ₹1 to all points in best mode.
  • Points are earned only on spends up to the credit limit in a statement cycle, and a cycle's points are reversed if the minimum amount due is not paid by the due date.
  • Karma Points go to charity, not to the holder, so they are not valued.
  • The 9% onboarding interest rate and the 0% interest on cash withdrawals abroad are not in the calculator, which assumes the bill is paid in full.

Sources

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