IDFC Private credit card credit card
Joining Fee:

₹50000 +GST

Return Percentage:

2% to 5%

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Credit Card Overview

An invite-only ultra-premium First Private card offering luxury travel perks, concierge services, milestone benefits, and personalized experiences.

Best Suited For: Experience, Travel Booking, Hotel Transfer

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Fees and charges at a glance

Annual fee
₹25,000

Charged every year you keep the card

Joining fee
₹50,000

Paid once when you get the card, plus GST

Reward rate
2% to 5%

Depends where you spend

Forex markup
0%

Extra charge on foreign spends

Interest rate
9% p.a.

Only if you don't pay the full bill

Add-on card
₹4,000

An extra card for family

IDFC Private credit card — Earn Categories

Where you earn more

  • Hotels via IDFC60 reward points / ₹150

    Get 10 Base points + 50 Bonus Reward Points on transactions completed on your Credit Card on Hotel bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.A maximum of 2,00,000 Bonus Reward Points can be earned per calendar month.

  • Flights via IDFC30 reward points / ₹150

    Get 10 Base points + 20 Bonus Reward Points on transactions completed on your Credit Card on Flight bookings done via “Travel & Shop” section on IDFC FIRST Bank Mobile App.|A maximum of 2,00,000 Bonus Reward Points can be earned per calendar month.

Everyday rate

  • Base Rewards10 Reward Points (reward points) / ₹150

11 more earning categories on this card

We track all 14 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • UPI
  • Quasi-Cash
  • EMI
  • Fuel