Exploring the Super-Premium IDFC FIRST Private Credit Card

The IDFC FIRST Private Credit Card is a super-premium metal card designed for high-income individuals who value exclusivity and purpose. You earn 10X never-expiring reward points on monthly expenses.

Unlimited lounge access, zero forex mark-up, 9% interest rate and complimentary hotel memberships. IDFC FIRST Private Credit Card eligibility depends on the bank's internal criteria, as it is an invite-only card.

Curious about all the premium perks this card offers? Keep reading to find out!

IDFC FIRST Private Credit Card Membership Benefits

1. Joining rewards include 50,000 reward points and Club ITC Culinaire membership for cards issued on or after 1 June 2025.
2. Annual renewal benefit offers 25,000 reward points on renewals from 1 July 2025 onward.
3. Milestone reward unlocks a Taj Experiences Signature Dining Voucher after ₹15 lakh cumulative spend within the first 6 months.
4. Club ITC Culinaire renews each year on spending above ₹40 lakh in the previous anniversary cycle.
5. Accor Plus Explorer membership delivers dining savings up to 50%, room upgrade vouchers, and various other privileges.

Travel Privileges with FIRST Private Card

1. Zero forex markup and 0% interest on global cash withdrawals, which keeps overseas spending cost-efficient.
2. IDFC FIRST Private Credit Card lounge access includes unlimited airport lounge visits worldwide, plus complimentary guest access at Indian lounges 4 times yearly.
3. Unlimited railway lounge access across India, along with entry to 53 airport lounges and spas and 500+ global lounges.
4. Trip cancellation covers up to ₹50,000, available twice yearly for eligible flight and hotel bookings.
5. Travel and air accident insurance up to ₹2.5 crore, along with round-the-clock roadside assistance.
6. International spend benefits offer up to 20% discounts on flights and hotels via Yatra and MakeMyTrip, and ₹2,023 cashback on spending USD 2,023 within 3 months.

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IDFC FIRST Bank Credit Card Lifestyle Benefits

1. The Postcard Hotel & Resorts offers a flat ₹7,500 discount on bookings of ₹25,000 or more.
2. BookMyShow privileges give discounts on movies and events worth up to ₹1,500 every month.
3. Unlimited golf access across leading Indian courses, plus one complimentary international round per quarter at select destinations.
4. The Quorum Club benefits include 20% savings on Standard Membership and 20% discounts at select non-member restaurants.

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FIRST Bank Private Credit Card VISA Privileges

1. Visa Meet & Greet services come with complimentary access and exclusive discounts at select airports.
2. Global VISA Infinite privileges ensure premium experiences across travel, dining, and lifestyle categories worldwide.
3. ITC Hotels' stay benefit lets you pay for 2 consecutive nights and enjoy a complimentary 3rd night.
4. Dine with Visa provides priority access to premium restaurants across India, with curated menus and smooth reservation support.

Benefits of Club ITC Culinaire Membership

1. Earn 25% Green Points on eligible Food & Beverage spends at participating ITC hotels.
2. Get 5% Green Points on purchases at the SLEEEP boutique and eligible non–Food & Beverage hotel spends, excluding WelcomeHeritage properties.
3. Enjoy Gourmet Fridays with 50% bonus Green Points on dining at select ITC Luxury Collection hotels and Sheraton New Delhi.
4. Save 20% on Food & Beverage bills at participating Fortune and WelcomHeritage hotels.
5. Avail Hi-Spirited Wednesdays with 2 drinks for the price of 1 during happy hours at select bars.
6. Receive 50% bonus Green Points during your and your spouse’s birthday week on dining spends.

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Accor Plus Explorer Membership Benefits

1. Hotel Stay Privileges

• 1 complimentary free night stay at participating Accor hotels in Asia Pacific.
• 10% savings on public room rates across eligible Accor properties.
• Early access to Accor hotel sales and member-only stay offers.
• Entry to Red Hot Room deals with discounts of up to 50%.
• Access to curated More Escapes travel packages.

2. Dining Privileges

• Up to 50% off food bills, based on the number of diners.
• 25% off for solo dining, 50% off for 2 diners, 33% off for 3 diners.
• 25% off for 4 diners, and shared discounts for larger groups.
• 10% off dining when 10 or more guests dine together.
• 15% discount on drinks at participating venues across Asia.

Reward Program of IDFC FIRST Private Credit Card

• Earn 10X Reward Points on monthly spends.
• Get 3X Reward Points on rent and education payments.
• Earn 1X Reward Points on insurance premium payments.

Accelerated travel rewards add 50 bonus points on hotel bookings and 20 bonus points on flight bookings via the IDFC FIRST Bank Mobile App.

Note: Reward Points accrue on every ₹150 spent on eligible transactions.

IDFC FIRST Private Credit Card Fees and Charges

• The joining and annual fee for the IDFC FIRST Private Credit Card is ₹50,000.
• Add-on card issuance, annual charges, and card replacement cost ₹4,000.
• Late payment and over-limit charges do not apply.
• A reward redemption fee of ₹99 applies per redemption request.
• Cheque bounce or auto-debit return charges apply at 2% of the payment amount, with a minimum fee of ₹500.

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Conclusion

The IDFC FIRST Private Credit Card blends exclusivity, rewards, and purpose into one elite metal card. From 10X rewards and global lounge access to luxury hotel memberships and low interest, the IDFC First Private Credit Card suits high-income users seeking premium travel, lifestyle privileges, and long-term value worldwide, refined benefits.

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