IDFC First Bank
Signature · First Private
IDFC First Private Credit Card
IDFC First Bank
Premium Signature card with 10X online, 6X intl, unlimited lounge
Annual Fee
₹3,000
Joining Fee
₹3,000
Reward Rate
2.0%
Forex Markup
2%
Value Analysis
Annual Net Value
₹71,460
Total Annual Benefits
₹75,000
Total Annual Charges
₹3,540
ROI
1918%
Fee Waiver Available
Annual fee waived on spending ₹5 Lakh in the preceding year — ₹5,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits per year
- • At all Dreamfolks partner domestic lounges
Unlimited visits
₹50,000/yr
Unlimited International Lounge Access
Unlimited complimentary international airport lounge visits via Visa LoungeKey
- • Visa LoungeKey membership included
Unlimited visits
₹50,000/yr
Reward Points (2)
10X Reward Points on Online Spends
Earn 10X reward points on online transactions
- • Valid on online purchases
10X points
6X Reward Points on International Spends
Earn 6X reward points on international transactions
- • Valid on international spends
6X points
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹5,000
- • Valid on transactions ₹500–₹5,000
- • Max ₹500 per statement cycle
1% waiver
₹6,000/yr
Reward Program
Program
IDFC First Rewards
10X online, 6X intl, 1X others
Effective cashback: 2.00%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via IDFC Rewards
- → Products & Vouchers
- → Cashback (1 RP = ₹0.25)
Bonus Categories
Online
10x multiplier
10X reward points on online
International
6x multiplier
6X reward points on international
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹3,000 Excluding GST |
| Annual Fee | ₹3,000 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹800
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹5,000. Max waiver: ₹500/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,00,000
- Min. Annual Income
- ₹12,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹1 Lakh
- • Self-Employed: ITR > ₹12 Lakh p.a.
- • Age 21–65 years
Insurance Coverage
Accidental Death
₹50.0 L
Permanent Disability
₹50.0 L
Travel Insurance
₹50.0 L
Lost Card Liability
₹10.0 L
Report within 24h
Air Accident Cover
₹50.0 L
Purchase Protection
₹10.0 L
90 days
- • Air accident cover: ₹50 Lakh
- • Travel insurance: ₹50 Lakh
- • Purchase protection: ₹10 Lakh for 90 days
- • Lost card liability: ₹10 Lakh
Airport Lounge Access
Domestic
999 visits/year
Unlimited
~₹2,500/visit
International
999 visits/year
Unlimited
~₹3,500/visit
Dreamfolks Visa LoungeKey
- • Domestic: Unlimited complimentary visits at all partner lounges
- • International: Unlimited via Visa LoungeKey
- • Guest access available at applicable charges
Transaction Limits
ATM Withdrawal / Day
₹50,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Unlimited domestic & international lounge access 10X reward points on online spends 6X reward points on international spends Low forex markup at 2%
EMI Options
Min. Transaction
₹5,000
Interest / Month
1.2%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
0.5%
Ready to Apply?
The IDFC First Private Credit Card is a premium Visa Signature card offering 10X reward points on online transactions, 6X on international spends, unl...
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