IDFC First Bank
IDFC First Private Credit Card
Best for private banking customers
₹2,500/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹2,500/yr
Reward rate
Not published
Min. income
₹6,00,000
Forex markup
Not published
Lounge access
Yes
Eligibility
₹6 lakh/yr · CIBIL 780+
Reward cap
₹10,000/month
Welcome benefit
None beyond the reward rate
Who is this for
- Private banking customer
- High net worth
What we like
- 2.5% on everything
- Unlimited worldwide lounge
Watch out for
- Rs 2,500 annual fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 2015
Website
www.idfcfirstbank.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on Rs 10 lakh annual spend |
| Late payment | ₹1,000 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 2.50 | ₹10,000/month | 1.00 |
| TRAVEL | 5.00 | ₹5,000/month | 1.00 |
Benefits
-
Private banking benefits Highlight
2.5% cashback on all purchases
-
Unlimited lounge access Highlight
Complimentary unlimited domestic and international airport lounge access
-
Premium concierge Highlight
24/7 premium concierge service
-
Fuel surcharge waiver
1% waiver on fuel transactions Rs 500-3,000
Eligibility
- Age
- 25–60 years
- Min. income
- ₹6,00,000
- Min. credit score
- 780+
- Score note
- Excellent credit history
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, salary slips / ITR
IDFC First Private Credit Card is a VISA credit card from IDFC First Bank. It is best suited for private banking customers.
Fees and rewards
- Annual fee: Rs 2,500
- Joining fee: Rs 2,500
- Rewards: 2.5% cashback on all purchases; 5% on travel
Eligibility
PAN, Aadhaar, salary slips / ITR
Card data compiled from issuer published fee schedules. Status: active.
Apply for IDFC First Private Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
Is the IDFC First Private Credit Card worth it?
What is the annual fee for the IDFC First Private Credit Card?
How does the IDFC First Private Credit Card reward rate work?
What are the eligibility requirements for the IDFC First Private Credit Card?
Does the IDFC First Private Credit Card offer airport lounge access?
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Disclaimer: Card details are based on publicly available issuer schedule of charges. Eligibility and approval are at the issuer’s sole discretion. FinWiz24 does not guarantee card approval or specific terms. Always read the issuer’s terms and conditions before applying.
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