IDFC First Private Credit Card

  • IDFC First Private Credit Card is an invite-only super credit card for select customers
  • Users receive 1 lakh reward points on payment of the membership fees

IDFC First Private credit card is the bank's metal card with various privileges and convenience benefits. This is a special card that is issued by invitation only, unlike other credit cards where the individual can apply for the card. Learn more about its features, benefits, and details here.

Key Highlights

The important highlights are as follows-

IDFC First Private Credit Card

IDFC private-card.png

Source: IDFC Bank Official Website

Suitability

Selected Customers

Offers

The Bank contributes Karma points in the cardholder's name for every Rupee spent beyond Rs. 30,000 in a month. 

Renewal Fee

Rs. 50,000

Benefits and Features of IDFC First Private Credit Card

The characteristics and benefits of this card are listed below:

Invitation

  • This card is issued by invitation only, which means the individual need not apply for the card himself; the Bank invites the individual to avail the card. 

Annual Fees Benefit

  • 1 lakh bonus reward points (which is worth Rs. 25,000) are provided on the payment of the annual fees. 
  • The cardholder can avail of a Taj Epicure Membership renewal on an annual fee payment. 

Joining Benefits

  • 2 lakh bonus points (which is Rs. 50,000) are received on the commencement fee payment. 
  • A Taj Epicure Membership is provided as a joining benefit. 

Reward Benefits

  • Monthly spends more than Rs. 30,000 get 6X reward points on online spending and 3X reward points on offline spending. 
  • 10X reward points for monthly spending crossing Rs. 30,000. 
  • 1X reward points on insurance premium payments. 
  • 10X reward points on birthday spends. 
  • 25% bonus reward points for the rewards donated to a cause. 

Birthday Benefits

  • When cardholders opt for the birthday donation feature, the Bank will donate 10% of the spending on the birthday to the charity chosen by the cardholder. 

Charity Offers on Cardholder's Name

  • The Bank will contribute Karma points in the name of the cardholder for every Rupee spent over Rs. 30,000 in a monthly cycle

Luxury Benefits

  • Two instant discounts every month on movies, plays and shows through BookMyShow
  • Two complimentary golf rounds or lessons for a month
  • Visa's infinite platform offers airport limo transfer, meet-and-greet immigration services, and dining programs 

Global Benefits

  • 0% forex markup rates on international use
  • Interest-free cash withdrawal for 48 days
  • Four complimentary railway lounge visits
  • Unlimited complimentary access to international and domestic lounges and spas in India
  • Cancellation covers worth Rs. 50,000
  • Comprehensive accident cover
  • Complimentary roadside assistance 

Annual Fee and Charges of IDFC First Bank Private Credit Card

The applicable charges are as follows-

Fee

Amount

Annual Charges

Rs. 50,000

Renewal Charges

Rs. 50,000

Late Payment Fee Applicable on IDFC First Bank Private Credit Card

There are no late payments or over-limit charges for the card. The cardholder can pay at his or her own convenience.

Eligibility Criteria to Apply for IDFC First Bank Private Credit Card

The eligibility to apply for the Private Card is limited to the Bank. IDFC Bank will invite customers they find suitable for the card.

Similar Credit Cards

Credit Card Name

Characteristic

HDFC Infinia Credit Card Metal Edition

Unlimited airport lounge access and 10X rewards on shopping and travel spending. 

Axis Magnus Credit Card

Unlimited airport lounge access and reward points can be converted to Air Miles or Hotel Loyalty points. 

SBI Aurum Credit Card

Unlimited international lounge access and membership of top brands. 

ICICI Emerald Private Metal Credit Card

Complimentary Taj Epicure and EazyDiner Prime membership and unlimited lounge access. 

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