How do you apply for the IDFC First Private Credit Card?

You cannot apply for this credit card; the card can be issued only by invitation from the Bank.

What are the overlimit charges of the First Private Card?

There are no late payments or over-limit charges for this credit card.

What is the credit card limit for the IDFC Bank First Private credit card?

The minimum credit limit offered for this card is Rs. 20 lakhs. The exact value will change from individual to individual.

What are Karma points in IDFC credit cards?

Karma points are reward points donated to charity on behalf of the cardholder.

What are the annual renewal charges for the Private Credit card?

The annual charges are Rs. 50,000+ GST.

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 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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