# IDFC FIRST Private

IDFC First Bank · Visa. ₹50,000 fee · 0% forex · 10 RP/₹150 on eligible domestic spends, flat rate (RP worth ₹0.25, or ₹1 on in-app travel).

> Not open to new applications at the moment. Brief keeps the page for holders.

✓ official · checked 26 August 2026 · Source: https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/first-private/FIRST-Private-Credit-Card-Consolidated-TnC-17072026.pdf

## How it earns (5)

- 10 RP/₹150 on eligible domestic spends, flat rate (RP worth ₹0.25, or ₹1 on in-app travel) · ✓ official · checked 26 August 2026
- International spends 5 RP/₹150 · international only · ✓ official · checked 26 August 2026
- Reduced rate: 1 RP/₹150 on insurance · ✓ official · checked 26 August 2026
- Reduced rate from 17 Jul 2026: 1 RP/₹150 on rent, education, utilities, govt services, FASTag, railways, jewellery (was 3 RP/₹150 on rent and education) · verified · checked 26 August 2026
- Wallet loads and gift vouchers earn 1 RP/₹150 (reduced rate, from 17 Jul 2026) · ✓ official · checked 26 August 2026

## On gift vouchers

- ₹17 back on a ₹10,000 voucher bought direct. · Wallet loads and gift vouchers earn 1 RP/₹150 (reduced rate, from 17 Jul 2026)
- Vouchers for Bharat Petroleum (BPCL) and 5 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No RP: fuel (surcharge waived instead), cash/quasi-cash, EMI/balance transfers/loans on card

## Lounges (3)

- Unlimited domestic visits for primary and add-on cards, with 4 guest visits a year. Show the FIRST Private card. · Domestic (card-based) · domestic · unlimited · +4 guest · checked 20 October 2026
- Unlimited international visits for primary and add-on cards through DreamFolks. · DreamFolks (international) · international · unlimited · checked 20 October 2026
- Unlimited railway lounge visits for primary and add-on cards, no guests. Railway lounges only, not airports. · Railway lounges · domestic · unlimited · checked 20 October 2026

## Statuses it opens (1)

-  tr-all-explorer · enrolment needed · ✓ official · checked 10 July 2026

## Fees

- Annual fee: ₹50,000 + GST
- Forex markup: Nil
- DCC markup: Nil
- Earns: IDFC First Reward Points · ₹0.25 a point at baseline
- Earns only up to the credit limit each cycle
- A cycle’s points are cancelled if the minimum due is not paid by the due date

## Dated changes (1)

- Improvement · 9 September 2026: IDFC FIRST drops the forex markup on every credit card (https://getbrief.cards/changes#idfc-zero-forex-2026)

Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

All cards: https://getbrief.cards/cards
Canonical: https://getbrief.cards/cards/idfc-private