IDFC FIRST Bank FIRST Private

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹50,000 + GST

Annual fee

₹25,000 + GST

What it gives back

10X Reward Points on eligible domestic spends; Reward Points are given per ₹150 spent on eligible transactions.

Read from 13 IDFC FIRST Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹25,000 annual fee: of the 273 other open cards whose annual fee we have read, 267 state a lower one, 1 states the same and 5 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

Fees

Welcome offer

Welcome benefit
Commencement Fee Payment Benefit: 50,000 Reward Points redeemable up to ₹50,000; applicable for cards issued on or after 17th July, 2026

Rewards

Reward rate
10X Reward Points on eligible domestic spends; Reward Points are given per ₹150 spent on eligible transactions.
Government spend earning
1X Reward Points on domestic and international spends done on Government Services.
Insurance spend earning
1X Reward Points on domestic and international spends done on Insurance.
Rent earning
1X Reward Points on domestic and international spends done on Rent.
Reward earning on international spends
5X Reward Points on eligible international spends.
Travel earning
50 Bonus Reward Points on Hotels Bookings; 20 Bonus Reward Points on Flight Bookings via FIRST Rewards Gallery section on IDFC FIRST Bank Mobile App.
Utilities earning
1X Reward Points on all domestic and international spends done on Rent, Education, Utilities, Insurance, Government Services, FasTag, Wallet Loads, Railways, Gift Vouchers, Jewellery.
Wallet load earning
1X Reward Points on domestic and international spends done on Wallet Loads.
Catalogue redemption
1 Reward Point = ₹1.00 on travel bookings done via IDFC FIRST Bank Mobile App; ₹0.25 everywhere else.
Redeeming points for travel
1 Reward Point = ₹1.00 on travel bookings done via IDFC FIRST Bank Mobile App.
Voucher and product redemption
Reward Points can be redeemed on any online or offline transactions and also for gift vouchers of preferred Brands.
Point expiry
Never expiring Reward Points

Card benefits

Lounge benefit
Enjoy unlimited complimentary access per quarter to select Airport lounges in India (Domestic Lounges), Overseas (International Lounges) and Spa centers at airport locations in India on Primary and Add-on Credit Cards.
Hotel or travel programme
ITC Hotels: Pay for 2 consecutive nights and extend your stay with a complimentary 3rd night.
Hotel or travel programme
Unlimited railway lounge access within India
Dining programme
Club ITC Culinaire Hotel Membership; Taj Experiences Signature Dining Voucher.
Golf
Unlimited complimentary access to golf rounds and lessons across premier Indian courses; one complimentary round per quarter at select international golf destinations.
Concierge
Concierge service to self-book your dining, staycation, flights and activities.
Milestone benefits
Effective 17th July 2026, spend based milestones have been discontinued on FIRST Private Credit Card
Movies and entertainment
Book My Show: Get ₹750 off on Movies, non-movies & food combos twice in a month.

Also included

Lost card liability
Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud Protection) up to ₹50,000
Travel insurance
Trip cancellation cover of up to ₹50,000 twice a year on flight or hotel bookings

Charges

Forex markup
0% on foreign currency transactions.0% forex markup
Cash advance fee
Transaction fee ₹199
Cash advance interest
0% interest on cash withdrawal across the globe.
Interest on unpaid balance
9% Onboarding annual rate of interest.
Interest-free period
48 days interest-free when you pay in full.
Late payment fee
0 Late payment charges
Cash payment / cash deposit fee
Fee on cash payment at branches NIL.
Cheque payment / dishonour fee
Outstation cheque processing fee NIL.
What the card's fee or benefit year means
Annual Fee (2nd Year Onwards): ₹25,000 + applicable GST

In the terms, not the brochure (1)

What must be paid with the card for the cover to apply
Air accident claim payable only if the ticket is purchased from the covered Card

How we know - 13 documents from IDFC FIRST Bank, checked 19 Oct 2026

13 documents from IDFC FIRST Bank, checked 19 Oct 2026.

On these lists

₹25,000 a year

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