FIRST Private
IDFC FIRST Bank · Credit card

FIRST Private

A credit card from IDFC FIRST Bank. Facts below come from the issuer's own documents. Network: Visa.

FIRST Private card artwork
Annual fee
₹25,000
Fee waiver
Not listed
Rewards
  • Per ₹150 of eligible spend: 10 points domestic
  • 5 points international
  • 1 point on rent, education, utilities, insurance, government services, FASTag, wallet loads, railways, gift vouchers and jewellery. Travel bookings through FIRST Rewards Gallery in the bank app: 50 bonus points on hotels and 20 bonus points on flights. Standard reward exclusions apply

Benefits & rewards

Issuer information
Rewards
  • Per ₹150 of eligible spend: 10 points domestic
  • 5 points international
  • 1 point on rent, education, utilities, insurance, government services, FASTag, wallet loads, railways, gift vouchers and jewellery. Travel bookings through FIRST Rewards Gallery in the bank app: 50 bonus points on hotels and 20 bonus points on flights. Standard reward exclusions apply
Reward cap
50000 reward points welcome redeemable up to 50000
Lounge access
Included
Does not earn on
1X only on rent, education, utilities, insurance, government, FasTag, wallet.
Read the issuer's benefit terms ↗

Fees, eligibility & repayment

Issuer information
Annual fee
₹25,000
Joining fee
₹50,000
Foreign purchases
0% markup on international spends
Eligibility
Not available
Repayment
Pay the full statement balance to avoid interest; interest and late fees follow the issuer's schedule of charges.

What changed

Issuer information

Differences found when this card's published terms were re-verified against IDFC FIRST Bank's own pages. Only independently approved changes appear here.

  1. Reward rates
    Changed
    10X on eligible domestic; 5X on eligible international; 1X on rent, education, utilities, insurance, government, FasTag, walletPer ₹150 of eligible spend: 10 points domestic; 5 points international; 1 point on rent, education, utilities, insurance, government services, FASTag, wallet loads, railways, gift vouchers and jewellery. Travel bookings through FIRST Rewards Gallery in the bank app: 50 bonus points on hotels and 20 bonus points on flights. Standard reward exclusions apply.

    Reward rates changed from 10X on eligible domestic; 5X on eligible international; 1X on rent, education, utilities, insurance, government, FasTag, wallet to Per ₹150 of eligible spend: 10 points domestic; 5 points international; 1 point on rent, education, utilities, insurance, government services, FASTag, wallet loads, railways, gift vouchers and jewellery. Travel bookings through FIRST Rewards Gallery in the bank app: 50 bonus points on hotels and 20 bonus points on flights. Standard reward exclusions apply.

    Verified 11 Sep 2026 · previous value recorded 13 Aug 2026 · issuer page

Cardholder experience

Experience notes

No admissible cardholder observations are on file for this card yet. Nothing is invented to fill the gap.

Offers on this card

No verified offer currently names this exact card. Offers from the same bank for other cards are not assumed to apply.