M16S / IDFC First Bank / IDFC FIRST Private Credit Card
super-premium · rewards, travel
IDFC FIRST Private Credit Card
The IDFC FIRST Private Credit Card costs Rs 25,000 a year. Its base return is 6.67% (10 points per Rs 150 on domestic spends). Accelerated earn: App bookings: 50 bonus points on hotels, 20 on flights (per Rs 150). The forex markup is 0%. Lounge visits in India: Unlimited for primary and add-on. Abroad: Unlimited for primary and add-on. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Rs 25,000+ GST
- Fee waived at
- —
- Base return
- 6.67%
- Forex markup
- 0%
- Interest
- 0.75%a month
What changed on this card
- IDFC FIRST keeps reward points on international spends, Sep 2026
IDFC FIRST credit cards have zero forex markup from 9 September 2026 and still earn reward points on international spends. The bank dropped its planned 26 October cut in a later letter.
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining feeunverified | Rs 50,000 |
|---|---|
| Annual feeunverified | Rs 25,000 |
| Fee notes | Rs 50,000 + GST joining, Rs 25,000 + GST annual, no spend waiver (aggregator). |
Rewards
| Welcome benefitunverified | 50,000 reward points (aggregator) |
|---|---|
| Reward currency | Reward Points |
| Base earnunverified | 10 points per Rs 150 on domestic spends |
| Base returnunverified | 6.67% |
| Point valueunverified | 1 point = Rs 1 on the bank's travel portal; Rs 0.25 otherwise |
| Accelerated earnunverified | App bookings: 50 bonus points on hotels, 20 on flights (per Rs 150) |
| Capsunverified | 5 points per Rs 150 on international spends; 1 per Rs 150 on rent, utilities, insurance, government, FASTag, wallet loads, railways, gift vouchers, jewellery. App travel bonus capped at 25,000 points a month. |
| Spends that earn nothingunverified | Fuel, fees and GST, EMI conversions, loan on card, quasi-cash, cash withdrawals, balance transfers |
| Reward notes | Issuer listing states '40% value back on travel bookings'. base_return_pct = 10 points per Rs 150 x Rs 1 = 6.67% if redeemed on app travel; 1.67% at Rs 0.25. All rates from Card Insider. |
Travel and perks
| Domestic lounge | Unlimited for primary and add-on |
|---|---|
| International lounge | Unlimited for primary and add-on |
| Lounge conditionsunverified | 4 domestic guest visits a year (aggregator) |
| Forex markup | 0% |
| Fuel surcharge waiverunverified | 1% on Rs 200-5,000 txns, no cap (aggregator) |
| Other freebiesunverified | Unlimited golf rounds or lessons; Rs 750 off BookMyShow twice a month (aggregator) |
Charges and eligibility
| Interest per monthunverified | 0.75% |
|---|---|
| Cash advance feeunverified | Nil (aggregator) |
| Eligibility | By invitation only; criteria not published |
| Fine-print notes | Issuer listing page confirms invite-only metal card, zero forex and unlimited global lounge access; the dedicated product page could not be reached, so fee and reward numbers are from Card Insider (updated 3 Aug 2026). |
Questions
- What is the annual fee of the IDFC FIRST Private Credit Card?
- Rs 25,000 a year, before GST.
- Does the IDFC FIRST Private Credit Card give airport lounge access?
- Yes. In India: Unlimited for primary and add-on. Outside India: Unlimited for primary and add-on. Conditions: 4 domestic guest visits a year (aggregator)
- What is the forex markup on the IDFC FIRST Private Credit Card?
- 0% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the IDFC FIRST Private Credit Card?
- Fuel, fees and GST, EMI conversions, loan on card, quasi-cash, cash withdrawals, balance transfers