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IDFC FIRST Bank

IDFC FIRST Private

VisaUltra-PremiumPoints
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Annual Fee

₹50,000

Reward Type

Points

Forex

0%

Lounge

∞ dom · 999 intl

Full Spec Sheet

Normalized · Verified

Fees

Joining Fee₹50,000
Annual Fee₹50,000
Min Monthly Income₹8,00,000

Rewards

Reward TypePoints
Base Rate1%
Point Value₹0.25/point

Category Multipliers

all retail10%

Redemption Values

statement credit₹0.25/pt
flights₹0.5/pt

Travel & Global

Forex Markup0% - Zero Forex ✓
Domestic LoungeUnlimited ✓
Intl. Lounge999 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Axis Bank Reserve (100%) →Axis Bank Burgundy Private (100%) →ICICI Sapphiro Revolution (100%) →Axis Magnus (99%) →ICICI Emeralde Private (99%) →

⚖️ Breakeven Analysis

To recover the ₹50,000 annual fee at the base reward rate of 1%, you need to spend ₹50,00,000 annually.

🎯 Pro Tips

  • ▸Zero forex markup — among the very few cards with 0% foreign currency charges
  • ▸10 reward points per ₹100 on all retail spend (excl. rent, education, insurance)
  • ▸Unlimited golf rounds and lessons at premium courses worldwide

🔄 Redemption Pathways - Value per Point

MethodValue
Statement CreditBEST₹0.25/pt

🏷️ Best For

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