○ Data not yet verified
)))

•••• •••• •••• ••••

IDFC FIRST Bank

IDFC First Private Credit Card

VisaPremiumCashback
Apply Now
Report data issue →

Annual Fee

₹2,500

Reward Type

Cashback

Forex

1%

Lounge

∞ dom · 2 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹2,500(waived ≥ ₹1,00,000)
Min Monthly Income₹50,000

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Category Multipliers

all retail10%

Redemption Values

flights₹0.5/pt
statement credit₹0.25/pt

Travel & Global

Forex Markup1%
Domestic LoungeUnlimited ✓
Intl. Lounge2 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

IDFC FIRST Select Credit Card (98%) →Axis Bank Burgundy Private (96%) →Axis Bank Reserve (96%) →Axis Magnus for Burgundy (96%) →ICICI Emeralde Private (96%) →

💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹2,500 annual fee at the base reward rate of 1.5%, you need to spend ₹1,66,667 annually.

🎯 Pro Tips

  • ▸Maximize cashback on online shopping and dining.
  • ▸Use for international transactions to benefit from low forex markup.
  • ▸Utilize lounge access for travel benefits.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹25,700

Effective Rate

2.1%

Ranked #16 of 173 cards⭐ Top 30

₹2,500 annual fee deducted from gross rewards value.

🔄 Redemption Pathways - Value per Point

MethodValue
Statement CreditBEST₹0.25/pt

🏷️ Best For

lifestyletravelcashback