IDFC First Premium Credit Cards in India 2026

Lifetime Free Credit Card 

Welcome Benefits

• ₹500 voucher on spending ₹5,000 within 30 days
• 5% cashback (up to ₹1,000) on first EMI within 30 days

Core Rewards Structure 

• Up to ₹20,000 per month spending: 0.50% rewards (3 points per ₹150 spent)
• Above ₹20,000 per month & birthdays: 1.66% rewards (10 points per ₹150 spent)

Enhanced Travel Rewards

• 8.3% extra on hotel bookings (50 bonus points per ₹150 spent)
• 3.3% extra on flight bookings (20 bonus points per ₹150 spent)
• Monthly limit: 8,000 points

Reward Point Value & Redemption

• 1 reward point = ₹0.25 via IDFC PoshVine Reward Portal

Important Exclusions

• No rewards: Fuel, EMI, cash withdrawals
• Reduced rates: 0.16% on insurance & utilities, 0.5% on rent/education/wallets/government

Lounge Access (requires ₹20,000 monthly spend in previous month)

• Domestic airport lounges: 2 visits per quarter 
• International airport lounges: 2 visits per quarter
• Railway lounges: 4 visits per quarter 

Movies & Golf

• Movies: BOGO movie tickets via Zomato District, 2 tickets per month (up to ₹250 off on 2nd ticket)
• Golf benefits: Up to 2 free rounds/lessons per month (1 free for every ₹20,000 spent in previous month)

Fuel & Mobility

• 1% fuel surcharge waiver up to ₹300 per month. Valid on fuel transactions between ₹200 - ₹5,000
• 24/7 roadside assistance (₹1,399 value). 4 incidents per year: tire service, battery jump-start, fuel delivery, key replacement, towing

Insurance Coverage

Travel Protection

• Cancellation insurance (hotel/ flight cancellations): Up to ₹10,000 for 2 claims (CFAR coverage)
• Air accident cover: ₹1 crore
• Travel insurance: USD 1,200 total coverage
  • Baggage loss: USD 500
  • Baggage delay: USD 100
  • Passport/document loss: USD 300
  • Flight delay: USD 300

General Protection

• Personal accident: ₹10 lakh cover
• Card fraud protection: ₹50,000 for lost card liability, skimming, online fraud

Complimentary domestic airport lounge access – 2 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this benefit

Complimentary railway lounge access – 4 times per quarter. You need to spend ₹20,000 on your card in the previous month, to avail this benefit

Movie benefits – BOGO (‘Buy one, get one’) offer at Zomato District, up to ₹250 per month

• Get up to ₹125 off on the 2nd ticket – on Zomato District app.
• This is valid 2 times per month.

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations: Cancellation cover for 2 claims up to ₹10000, is available for hotel and flight booking cancellations.

Lifetime free card, with welcome offers

Welcome offers :

• Get a welcome voucher worth ₹500, on spending ₹5000 or more within 30 days of card generation.
• Enjoy 5% cashback (up to maximum ₹1000), on the transaction value of your first EMI – completed within 30 days of card generation.

0.50% reward on monthly card spends up to ₹20,000 (3X program)

• Earn 3 reward points worth ₹0.75 on every ₹150 you spend on your card (meaning 2 reward points worth ₹0.50 on every ₹100 spent) – 0.50% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• You earn no reward points on fuel, EMI transactions & cash withdrawals.
• You earn 0.16% reward (X reward) on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)

1.6% reward on monthly card spends above ₹20,000 (10X program)

• Earn 10 reward points worth ₹2.50 on every ₹150 you spend on your card (meaning 6.66 reward points worth ₹1.66 on every ₹100 spent) – 1.66% reward
• 1 reward point = ₹0.25 or 25 paise, and can be redeemed on IDFC First Bank’s Rewards Platform.

Exceptions

• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.16% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.50% reward (3X reward)

Fuel surcharge waiver up to ₹300 per month, valid only on fuel transactions between ₹200 & ₹5000

Complimentary insurance covers

• ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card.
• ₹5 lakh personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event.
• Air accident cover of ₹1 crore
• Travel insurance cover of USD 300 : loss of checked-in baggage – USD 100; delay of checked-in baggage – USD 67; loss of passport and other documents – USD 67; delay in flight – USD 67

Complimentary domestic airport lounge access - 4 times per quarter || Complimentary international airport lounge access - 2 times per quarter

• Spending requirement: You need to spend ₹20,000 on your card in the previous month, to avail this offer

Complimentary railway lounge access – 4 times per quarter

• Spending requirement: You need to spend ₹20,000 on your card in the previous month, to avail this offer

Complimentary golf benefits – up to 2 golf rounds or lessons per month

• You get maximum 2 free golf rounds or lessons per month (1 free round or lesson for every ₹20,000 you spend on your card in the previous month)

BOGO (‘Buy One, Get One’) movie offer: 2 free movie tickets each month via Zomato District App

• You get up to ₹400 off on the 2nd ticket
• This offer is valid 2 times per month

Complimentary cancellation for any reason (CFAR) insurance – for hotel and flight booking cancellations: Cancellation cover for 2 claims up to ₹25,000, is available for hotel and flight booking cancellations

Low foreign currency fee of 1%

Complimentary insurance covers

• ₹50,000 insurance cover for lost card liability, counterfeit/ skimming/ phishing and online fraud protection – for transactions on your IDFC FIRST Bank credit card
• ₹10 lakhs personal accident cover – in the unfortunate event of an accidental death or permanent disability due to a sudden, unforeseen and involuntary event
• Air accident cover of ₹1 crore
• Travel insurance cover of USD 1200: Loss of checked-in baggage – USD 500; delay of checked-in baggage – USD 100; loss of passport and other documents – USD 300; delay in flight – USD 300

Emergency complimentary roadside assistance (RSA) package worth ₹1399

• 24X7 assistance for flat tires & tire change, battery jump-start or alternate battery, fuel delivery, lost key replacement, minor repairs, vehicle towing (if required) – provided through Global Assure
• You can avail this benefit up to 4 times a year

1.3% reward on monthly card spends up to ₹20,000 (5X program)

• Earn 5 reward points worth ₹2 on every ₹150 you spend on your card – 1.3% reward
• 1 reward point = ₹0.40 for flight & hotel redemptions

Exceptions

• No reward points are given on fuel, EMI transactions, loan on card, balance transfer, fees & cash withdrawals.
• 0.26% reward (X reward) on insurance spends & utility bill payments (0.66 points worth 16 paise, on every ₹100 you spend)
• 0.80% reward (3X reward) on the following card spends - rental & property management related, education, wallet loads and government transactions.

2.6% reward on monthly card spends above ₹20,000 (10X program)

• Earn 10 reward points worth ₹4 on every ₹150 you spend on your card – 2.6% reward
• 1 reward point = ₹0.40 for flight & hotel redemptions

Exceptions

• No reward points are given on fuel, EMI transactions, loan on card, balance transfer, fees & cash withdrawals.
• Utility bill payment spends and insurance spends are not part of 10X rewards threshold calculations. These spends earn 0.26% reward (X reward)
• Rental & property management related spends, education spends, wallet loads and government spends are not part of 10X rewards threshold calculations. These spends earn 0.80% reward (3X reward)

Up to 16% accelerated rewards on hotels (60X) || 10.6% (40X) rewards on flights - through newly launched IDFC Accelerator program

Fuel surcharge waiver up to ₹300 per month, and valid only on fuel transactions between ₹200 & ₹5000

▶︎ Upto 20% Reward on Travel & Zero Forex Fee 

Accelerated travel rewards:

• Hotels: Up to 20% rewards (60X points) via IDFC Accelerator program
• Flights: 13.3% rewards (40X points) via IDFC Accelerator program
• Monthly Limits: Maximum 25,000 bonus reward points per month

Zero forex markup: No fees on international transactions

▶︎ Upto 3.3% Reward on Other Spends

Up to ₹20,000 Monthly Spend: 1.6% rewards (5X program)

• Earn 5 reward points per ₹150 spent (₹2.50 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Above ₹20,000 Monthly Spend: 3.3% rewards (10X program)

• Earn 10 reward points per ₹150 spent (₹5 value)
• Reward point value: ₹0.50 for flight/hotel redemptions

Important Exclusions & Special Categories

• Insurance & utilities: 0.33% rewards (1X) - excluded from 10X tier threshold calculation
• Rental, education, wallet loads, government: 1% rewards (3X) - excluded from 10X tier threshold calculation
• No rewards: Fuel, EMI, loan transfers, balance transfers, fees, cash withdrawals

▶︎ Other Benefits 

Airport & Railway Lounge Access (Requires ₹20,000 monthly spend in previous month)

• Domestic lounge access: 4 times per quarter (+ 1 guest visit)
• International lounge access: 4 times per quarter
• Railway lounge access: 4 times per quarter

Golf Benefits

• Spend-based: 1 free round/lesson per ₹20,000 spent (maximum 2 per month)
• Mastercard benefit: 4 free rounds annually + 1 lesson monthly

Entertainment, Fuel & Mobility

• Movies: BOGO offer - 2 free tickets monthly (up to ₹500 off 2nd ticket, valid twice monthly)
• Fuel: Surcharge waiver up to ₹300 monthly (valid on fuel transactions between ₹200-₹5,000)
• Roadside Assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

▶︎ Comprehensive Insurance Coverage

• Card Protection: ₹50,000 for fraud/counterfeit transactions
• Personal Accident: ₹10 lakhs general cover
• Air Accident: ₹1 crore coverage
• Travel Insurance: USD 1,200 total (baggage loss/delay, document loss, flight delays)
• CFAR Insurance: ₹50,000 cancellation cover for flights/hotels (2 claims yearly)

▶︎ 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