IDFC First Private Credit Card

  • Joining Fee: Rs. 50,000 + GST
  • Renewal Fee: Rs. 50,000 + GST
  • Best Suited For: Movies | Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 200,000 Reward Points worth Rs. 50,000 and a complimentary Taj Epicure membership.
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IDFC First Bank recently launched a super-premium card named IDFC First Private Credit Card. It is an invite-only card, i.e., only people invited by the IDFC First bank can get this card, and is targeted at high net-worth individuals. The card charges a high annual membership fee of Rs. 50,000 and offers lots of exciting benefits across different categories. Be it travel, entertainment, lifestyle, rewards, or charity, you can get all your requirements fulfilled with this credit card. You don’t only earn the usual reward points using this credit card, but after achieving a particular monthly spend, you earn Karma Points donated for charity purposes in your name. The IDFC First private cardholders can earn up to 10x Reward Points on their spends using this card, and these points are redeemable against a variety of options. Moreover, the card offers complimentary airport lounge access not only for the primary cardholders but for the add-on card members as well. Other than this, you get discounts on movies, free golf lessons, complimentary insurance covers, and many more benefits with this card.  To know more about the IDFC First Private Credit Card and all its features, continue reading:

New Features

Spend Based Waiver


Interest Rates

0.99% per month

Add-on Card Fee

Nil for 1st card, 2nd card onwards: Rs. 4,000 per add-on card

Rewards Redemption Fee

Rs. 99 plus taxes

Fuel Surcharge

1% fuel surcharge waiver on all fuel purchases

Foreign Currency Markup


Cash Advance Charges

Rs. 250

Movie & Dining

Get up to Rs. 750 discount on movie/non-movie bookings via BookMyShow


Get free airport lounge access and spa sessions every year.

International Lounge Access

4 complimentary international lounge access every quarter (for primary and add-on cardholders)

Rewards Rate

3 Reward Points on every Rs. 100 spent offline and 6 RPs on every Rs. 100 spent online


2 complimentary golf rounds/lessons every month

Insurance Benefits

Get an air accident cover worth Rs. 1 crore and cover for delay or loss of check-in baggage

Reward Redemption

1 Reward Point = Re. 0.25 for redemption against various gift vouchers

Domestic Lounge Access

4 complimentary domestic lounge access every quarter (for primary and add-on cardholders)

Zero Liability Protection

The cardholders get a zero liability protection against a lost/stolen card if reported the loss to the bank in a timely manner.


With the IDFC First Private Credit Card, individuals can contribute to society through the donation of Karma Points to charity. You get an attractive welcome benefit of 200,000 Reward Points worth Rs. 50,000.


Even though the card provides a lot of facilities to its users, the reward rate is not so good. Each reward point has a value of 0.25 rupees. You can only access the golf lessons and rounds after spending Rs. 40,000.

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