TravelLifestyleVisaSuper PremiumActive
IDFC FIRST Private Credit Card
IDFC FIRST Bank
Joining Fee₹25,000Renewal Fee₹25,000
Last verified: 26 Sept 2026
Reward Program
IDFC FIRST Reward Points1 point = ₹0.25
Redemption fee: 99
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Managed via IDFC FIRST Rewards
Transfer partners
Gift vouchers and products at 1 Reward Point = ₹0.25 — the general rate, published on every IDFC FIRST card page.Travel bookings made inside the IDFC FIRST Bank Mobile App redeem better on four cards: FIRST Private at ₹1.00, Mayura and FIRST WOW! Black at ₹0.50, and Ashva at ₹0.40. The channel covers hotel and flight bookings only.₹99 is charged per redemption transaction, whichever channel is used.
Live Offers
84 activeHomecentreRs. 5000 off on a minimum shopping of Rs. 24,999
₹5,000 off
HCFUR5KTill 31 DecPepperfry10% Instant Discount up to ₹1,600
10% off
VISAPF1600Till 31 DecGRT JewellersFlat 1.5% off on gold jewellery orders above Rs.20,000. Max discount is Rs.1,500.
1.5% off
GRTVISA1500Till 31 OctAir IndiaGet additional Rs 1000 off on International flights
₹1,000 off
ADNAIRTill 31 DecEaseMyTripRs.1,000 off on min booking amount of Rs.15,000 for International flight.
₹1,000 off
EMTVISATill 31 DecBenefits
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Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Unlimited complimentary domestic and international airport lounge access is the expectation at this tier, but IDFC publishes the entitlement in the card's own lounge list rather than on the product page. 999 is this dataset's unlimited sentinel and should be read as 'no stated limit' rather than a verified unlimited entitlement.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
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Fees & Charges
| Joining Fee | ₹25,000/yr |
| Renewal Fee | ₹25,000/yr |
| Forex Markup | 0% |
| Interest Rate | 46.2% p.a. |
| Cash Advance Fee | ₹199 + GST per transaction, flat, with 0% interest for up to 45 days. |
| Reward Redemption Fee | 99 |
