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IDFC First Bank First Private Credit Card

Product Details
Credit Card Name : 

IDFC First Bank First Private Credit Card

Bank Name :

IDFC First Bank

Type :

Rewards Credit Card

Interest Rate : 

9% per annum. 

Eligibility :

By Invitation Only.

IDFC First Bank First Private Credit Card
Pros
  • Minimum Credit Limit starting at INR 25 lakh.

  • No late payment charges.

  • Low Interest rate : 0.75% (monthly) 9% (yearly)

  • No OVL charges.

  • 0% Forex Markup.

  • Global access to interest-free cash withdrawal across ATMs for upto 48 days.

  • 4 premium Domestic/international airport lounge access and spa benefits for youself and your add-on cardholders.

  • Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection) up to ₹50,000.

  • Karma Points - Bank donates karma points in your name for every amount spent beyond Rs 30,000. INR 100 = 1 karma Point = INR 0.25. 10%  (Rs 25,000 Cap)of your birthday spend is donated by the bank in your name as karma points. You can select one of 8 listed causes.

  • For monthly spend below Rs 30,000, get 6X Reward points on online spends and 3x on offline and rental spends.

  • On redemption of reward points towards a donation to the charity, 25% Rewards provided back to customer at the end of the statement cycle.

  • Get upto 750 discount on movies, non movies & food combos twice in a month.

  • 2 Complimentary Golf rounds or lesson every month on spend of over INR 40,000 (20,000 for one gold rounds).

  • Visa Infinite Platform: Airport Limo Transfer Program, Meet & Greet Immigration Services Affluent Dining Program.

Cons
  • High joining & annual fees of Rs 50,000/ per annum each.

  • Low cashback rate in comparison to other premium cards. 

Pros & Cons
Welcome Benefits

Welcome Benefits: Get 2 lakh bonus point worth INR 50,000.

Rewards System

Reward System: Get 6X and 3X Reward Points on online and in-store spends respectively on spends upto ₹30,000 per month. 1 Reward Point = Rs 0.25  General Online Cashback Rate: 1.5% Get 10X Reward Points on incremental spends above ₹30,000 per month and spends done on your birthday. Cashback Rate: 2.5%.

International Forex Markup

0%.

Welcome Benefits and Reward System
Special Features

Special Feature: Low interest rates: Interest rates started from 9% per annum.

Eligibility Criteria

By Invitation Only.

Benefits
  • The IDFC First Private Credit Card is a super-premium credit card that offers a variety of benefits to cardholders, including:

  • Rewards program: Earn up to 10X reward points on all spends, with 6X reward points on online spends and 3X reward points on offline and rental spends. Reward points can be redeemed for a variety of rewards, including merchandise, travel, and statement credits.

  • Airport lounge access: Enjoy complimentary unlimited access to all domestic and international airport lounges and spas in India.

  • Complimentary golf rounds every month

  • Fuel surcharge waiver of ₹400 per month

  • Comprehensive travel insurance cover of USD 10,000

  • Personal accident cover of ₹1.5 crore

  • Air accident cover of ₹5 crore

  • Lost card liability cover of ₹50,000

  • Interest-free cash withdrawals on domestic and international ATMs for up to 48 days

  • Complimentary railway lounge access

  • Cancellation for any reason (CFAR) insurance

  • Epicure membership across Taj Hotels, SeleQtions and Vivanta hotels

  • 24x7 concierge service

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

The card is available by invitation only.

Contact Details

This card is available by invitation only.

Account Opening and Procedure
IDFC First Private Credit Card

IDFC Private Credit Card is a super premium credit card with all the features which you expect in a premium card including: lounge visit, discount on fine dining, golf rounds, airport greet and meet, etc.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Annual Fee: INR 50,000.

  • Joining Fees: INR 50,000.

  • Cash advance transaction fees: INR 199 (plus taxes).

  • Late Payment Fee: INR 0.

  • Forex Markup: 0% for all international transaction.

  • Reward Redemption Fee: INR 99 (plus taxes).

Fuel Surcharge

No fuel surchage.

Billing Cycle

30 Days.

Fees & Charges
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