Super-Premium Credit Card from IDFC First Bank

IDFC First Private Credit Card

IDFC First Private Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
40% reward on hotels, 20% on flights
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited free golf rounds and lessons in India
✔︎
Zero forex fee on international transactions
✔︎
Unlimited domestic railway lounge access
✔︎
100% discount (up to ₹750) on movie tickets - 2 times per month
✔︎
Club ITC Culinaire Select membership
Annual Fee

₹50000

Minimum Income

Invite Only

Annual Fee Offers
  • Welcome offers: Club ITC Culinaire Select membership. 50,000 reward points worth ₹50,000
  • Renewal offers: Renewal of Club ITC Culinaire Select membership at ₹40 lakh annual card spend. 25,000 reward points worth ₹25,000

▶︎ Upto 40% Rewards on Card Spending

Up to 40% accelerated travel rewards, through IDFC accelerator program

  • 40% rewards on hotels, 20% on flights
  • Monthly limit: 2,00,000 reward points

High base rewards: 6.66%

  • Rate: 10 reward points per ₹150 (₹10 value)
  • Important exclusions: Fuel, government, EMI, cash withdrawals
  • Reduced reward categories: Insurance (0.66%), rental/property/education (2%)

Value of reward points: 1 point = ₹1 (for hotel/flight redemptions)

Additional benefits, based on spending milestones

  • ₹15 lakh (every 6 months): Taj Experiences Signature Dining Voucher
  • ₹40 lakh annually: Club ITC Culinaire Select membership

▶︎ World-Class Travel Benefits

Unlimited airport & railway lounge access, zero forex fee

  • International airports: Primary + add-on cardholders
  • Domestic airports & spas: Primary + add-on cardholders
  • Railway lounges: Unlimited domestic access
  • Forex: Zero markup on international transactions

Hotel Partnerships

  • ITC Hotels: Free 3rd night on 2-night stays OR 50% off 2nd night
  • Postcard Hotels: ₹7,500 off minimum ₹25,000 spend (once monthly)

▶︎ Entertainment & Leisure Benefits

Golf Benefits

  • Domestic: Unlimited rounds and lessons in India
  • International: 1 complimentary round per quarter at select courses

Exclusive Memberships

  • Quorum Club: 20% off joining fees + 20% restaurant discounts (minimum ₹5,000 spend)

Movie Benefits

  • Discount: 100% off up to ₹750 per transaction
  • Usage: 2 times monthly on movies, food combos, non-movies

▶︎ Comprehensive Insurance Coverage

Comprehensive Protection

  • Personal accident: ₹25 lakh general coverage
  • Air accident: ₹2.5 crore coverage
  • Card liability: ₹5 lakh protection
  • Credit shield: ₹5 lakh coverage
  • Purchase protection: ₹5 lakh coverage

Travel Insurance (USD 1,200 total)

  • Baggage loss: USD 500 | Baggage delay: USD 100
  • Document loss: USD 300 | Flight delay: USD 300
  • CFAR insurance: ₹50,000 cancellation cover (2 claims annually)

Emergency Support

  • Roadside assistance: ₹1,399 value, 4 times annually across India
View More

Benefits

  • Very high travel rewards - 40% on hotels, 20% on flights 
  • Zero forex fee on international card transactions
  • Unlimited airport lounge access for primary and add-on cardholders - domestic and international access
  • Unlimited golf rounds and lessons
  • Unlimited domestic railway lounge access 
  • 100% discount (up to ₹750) on BookMyShow movie tickets - 2 times per month
  • ITC Hotels offer: 3rd night free, for every 2 consecutive paid nights
  • 6.6% unlimited reward on utility bill payments, suitable for high spenders
  • 2% reward on rent and education payments (many cards give no rewards on such spends)
  • Trip cancellation insurance (for hotels & flight cancellations): Up to ₹50,000, 2 times per year - a unique benefit

Drawbacks to consider

  • High annual fee
  • Invite only card, difficult to get
  • Does not offer an airline/ hotel points transfer program, unlike competitors like Axis Burgundy Credit Card
  • Lower redemption value for non-travel options (₹0.25 vs ₹1 per reward point), hence more suitable for frequent travelers

To read the full review of the card , please click here
Load More

How Our Money Guide Works

  • Wide Range of Credit Cards: Our Money Guide brings together a wide range of credit cards from the industry. This helps you choose from a wider bucket and make informed decisions.
  • Quick & Easy Comparison: Our Money Guide makes it easy to compare credit cards on the most important parameters like fees, benefits, eligibility, and annual fee-related offers.
  • Expert Insights: Our Money Guide's team has deep experience in consumer finance. This helps you get honest reviews and trusted information on the most important decision-making parameters, helping you choose better.
  • Simplified Application Process: Our Money Guide website pages contain Apply Now buttons at relevant spots, which help you apply easily from the comfort of your home or office.

IDFC First Credit Cards - By Types

IDFC First Credit Cards - By Features

Credit Cards of Other Banks