IDFC Bank Private Credit Card
IDFC Bank IDFC Bank

IDFC FIRST Bank Private Credit Card

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹50,000 + GST

Renewal Fee: ₹50,000 + GST

cat name Travel
cat name Reward Points

Best Suited For: Rewards & Travel

Joining Fee: ₹4,999 Plus Applicable Taxes

Renewal Fee: ₹4,999 Plus Applicable Taxes

Best Feature:- Earn upto 50,000 Bonus Reward Points Anually, Club Vistara and Trident Privilege Membership.

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The IDFC FIRST Private Credit Card is an exclusive credit card offered by the bank. It is offered by invite only to the high net-worth individuals. It offers attractive lifestyle benefits in various categories. This super-premium metal card provides exceptional rewards, luxury experiences, and comprehensive benefits for an unmatched banking experience. This credit card has no late payments or over-limit charges which makes the repayment for the cardholder very convenient.

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All You Need To Know

Card Type

Rewards & Travel

Exclusive Memberships
  • Club ITC Culinaire and Accor Plus Explorer Memberships: Card users get complimentary access to premium hospitality programs, for enhanced dining and stay experiences.
  • Taj Experiences Signature Dining Voucher: This coupon provides cardholders with a special voucher for an exquisite dining at Taj properties.
Rewards Points Program
  • Standard Rewards: Cardholders earn 3 Reward Points for every ₹100 spent on offline transactions and 6 Reward Points for every ₹100 spent online.
  • Milestone Rewards: Users also get 10X Reward Points on monthly spending of more than ₹30,000.
  • Birthday Rewards: Cardholders also get 10X Reward Points on all spending during the birthday month.
  • Charity Contributions: For every rupee spent beyond ₹30,000 in a month, Karma Points are donated to a charity in your name, allowing you to give back to society.
Travel Benefits
  • Unlimited Lounge Access: Primary and add-on cardholders both get unrestricted complimentary access to both domestic and international airport lounges.
  • Railway Lounge Access: Every quarter, it provides four complimentary visits to select railway lounges across India.
  • Visa Infinite Privileges: Users get access to premium services such as airport limousine transfers, meet-and-greet immigration assistance, and exclusive dining programs.
Entertainment and Lifestyle
  • Movie Discounts: You can avail up to ₹750 off on movie and non-movie bookings through BookMyShow, twice every month.
  • Golf Privileges: Cardholders can also enjoy unlimited complimentary golf rounds and lessons every month at select courses.
Insurance Benefits
  • Comprehensive Coverage: It Includes travel insurance, air accident cover up to ₹1 crore, and cancellation protection up to ₹50,000.
  • Zero Liability: No late payment fees or over-limit charges, offering financial peace of mind.
Global Usage
  • Zero Forex Markup: International transactions are free from any foreign currency markup fees.
  • Interest-Free Cash Withdrawals: Withdraw cash globally with zero charges and enjoy up to 48 days of interest-free credit.

IDFC FIRST Private Credit Card Eligibility:

Eligibility Criteria of IDFC FIRST Private Credit Card

  • Invitation Only: This card is exclusively invites only credit cards. IDFC FIRST Bank only targets high-net-worth clients.

Documents Required

  • As per Bank's Discretion: Banks require specific documents according to their requirement at the time of invitation.

Fees and charges that apply to IDFC FIRST Private Credit Card:

Fee / Charge Amount/Rate
Annual Fee ₹50,000 + GST
Joining Fee ₹50,000 + GST
Interest Rate 0.99% per month (12% annually)
Foreign Currency Markup 0%
Cash Advance Fee None
Reward Redemption Fee ₹99 + GST per redemption request
Late Payment Charges None
Over Limit Penalty None
Card Replacement Fee Not specified
Add-on Card Fee Not specified
Minimum Repayment Amount Not specified

*A late payment charge of Rs. 100 will be imposed if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive cycles. This charge will persist in each subsequent payment cycle until the MAD is settled.

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FAQs

This is invite invite-only credit card. So you can not apply for this credit card. IDFC Bank offers this credit card to the high net worth individuals to retain them.

The card comes with an annual fee of ₹50,000 plus applicable taxes. Which makes it one of the costliest credit cards on the market.

This credit card comes with a zero percent foreign currency markup fee on ll international transactions..

Yes, the bank charges a reward redemption fee of ₹99 plus GST on every redemption request.

This card offers unlimited complimentary access to domestic and international airport lounges, four quarterly railway lounge visits, and premium Visa Infinite services like airport transfers and dining programs.

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card:

Check if you are eligible for IDFC FIRST Private Credit Card on
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