IDFC First Private Credit Card
IDFC First Private Credit Card from IDFC FIRST Bank is covered here with fees, rewards, benefits, exclusions, fuel/forex charges and Zlash's practical verdict for Indian users.
Annual fee: Rs 50,000 | Reward type: Reward Points | Best for: Movies, Travel, Shopping
Estimated value per Rs 100 of eligible spend.
IDFC First Private Credit Card Overview
IDFC First Private Credit Card is an IDFC FIRST Bank credit card. Base reward value is about Rs 1.67 per Rs 100 of eligible spend. Zlash checks boosted categories like travel, rent, education along with caps and exclusions.
Best For
IDFC First Private Credit Card is most useful when your spends regularly fall into travel, rent, education.
Rewards
travel
5x the base reward rate.
Monthly cap: Rs 25,000
rent
0.3x the base reward rate.
education
0.3x the base reward rate.
insurance
0.1x the base reward rate.
Not Good For
- Spends in excluded categories such as fuel transactions, transactions converted into emis, fees or charges and applicable gst, loan on card, balance transfers.
- Users who cannot recover the annual fee through rewards or card benefits.
Welcome And Travel Benefits
Welcome: Welcome benefits are listed in extracted facts; verify current issuer terms before applying.
Domestic lounge: Domestic lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
International lounge: International lounge benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Travel: Travel benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Lifestyle Benefits
Movies and dining: Movie and dining benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Golf: Golf benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Insurance: Insurance benefit is listed in extracted facts; confirm access rules with the issuer before relying on it.
Fuel And Forex Charges
1% fuel surcharge waiver on eligible fuel transactions.
Reward Exclusions
Milestone Benefits
- Spend Rs 15,00,000 in a monthly period.
- Spend Rs 40,00,000 in a yearly period.
Zlash Verdict
Choose this card when movies, travel, shopping match your normal spend pattern. Skip it for categories that are excluded from rewards or where another card gives a cleaner direct discount.
This page is generated from normalized card facts, not copied review prose. Zlash uses this structure so card data can power both public SEO pages and future in-app card detail views.
FAQ
What is the annual fee of IDFC First Private Credit Card?
The listed annual fee is Rs 50,000.
What is IDFC First Private Credit Card best used for?
IDFC First Private Credit Card is most useful when your spends regularly fall into travel, rent, education.
Does IDFC First Private Credit Card have reward exclusions?
Yes. The extracted exclusions include fuel transactions, transactions converted into emis, fees or charges and applicable gst, loan on card, balance transfers, cash withdrawals.
How does Zlash use this card data?
Zlash uses fee, reward, cap and exclusion facts to estimate effective prices after eligible payment rewards.