IDFC FIRST Private Credit Card
10 points/₹150 eligible domestic card purchase, broadly usable ₹0.25/point. The card costs ₹50,000 plus GST each year.
Try your spend →How this estimate works
The issuer’s FIRST Private card-specific terms award 10 points per full ₹150 on eligible ordinary domestic spend. This estimate assumes one card purchase per month and values each point at ₹0.25 on the generally usable non-travel redemption route, rather than the ₹1/point issuer-app travel booking route. One ₹99+estimated GST redemption fee is deducted when points value exceeds it; additional redemptions cost more. FIRST Private is invitation-only, with ₹50,000+GST commencement fee and ₹50,000+GST annual fee in later years. The ongoing annual fee is deducted, not the first-year one-time commencement fee. Its conditional 25,000 annual-fee payment points, welcome points and travel perks are omitted. Fuel, government, quasi-cash, EMI, cash and fees earn nothing; rent and education earn 3 points/₹150, insurance earns 1/₹150. Lower-rate and ambiguous merchant/payment routes are withheld by the generic chip. An optional RuPay companion earns a separate rate and is not modeled. Actual bank relationship and credit eligibility are required.
Issuer terms
Issuer card benefits and voucher point value · Issuer card-specific earn tiers, exclusions and redemption values · Issuer fees, including reward-redemption charge
Terms checked 29 September 2026. The projected rupee value needs an eligible redemption; it is not statement cashback.