Credit Card Compare

FIRST Private Credit Card

Data last updated 27 October 2026
9.00%
Purchase rate
₹50,000
Annual fee
50,000
Bonus points

Do you manage IDFC FIRST Bank card listings? Claim on Partner Central

Application

CardIQ

46Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge42
  • Rewards37
  • Sign-up bonus52
  • Travel53

Customer reviews

No reviews yet. Be the first to review the FIRST Private Credit Card.

Pros & cons

What's good

  • 50,000 bonus points to start, worth around ₹12,500 at our ₹0.25-per-point valuation.
  • The 9% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 45% p.a.).
  • Complimentary airport lounge access.
  • No fee to add an additional cardholder.

Worth noting

  • Commencement Fee (1st Year): ₹50,000 + applicable GST. Annual Fee (2nd Year Onwards): ₹25,000 + applicable GST. GST not included in stated amounts. No waiver mentioned. First year fee offset by 50,000 Reward Points welcome benefit (for cards issued on or after 17th July 2026). The ₹50,000 first-year fee (rising to ₹25,000) is still high for a Black card, where the typical fee is about ₹12,500.
  • Up to 45 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Black
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
IDFC FIRST Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
Undisclosed
Purchases
9.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹50,000 p.a.
Annual fee (year 2+)
₹25,000 p.a.
Cash advance fee
—
Foreign transaction fee
0%
Late payment fee
₹0
Over limit fee
₹0

Repayments

Interest-free period
Up to 45 days on purchases
Minimum repayment
MAD is computed as the sum of EMI + Interest (Finance charges) + Fees, Other charges & taxes + amount utilised over the limit (if any) + 2% of the Principal balance outstanding (comprising of Purchases, Cash & Balance Transfer).

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
10 Reward Points per ₹150
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Never expiring Reward Points

Sign-up bonus

Bonus spend required
—
Sign-up bonus
50,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Sign-up bonus₹12,500Best in market (1st of 38 cards)
Purchase rate9.00%Best in market (1st of 94 cards)
Overseas feeNo feeTied for best (1st of 94 cards)
Rewards value₹9,000 a yearTop 10% (4th of 64 cards)
Interest-free days45 daysNot as good as most cards (66th of 79 cards)
Annual fee₹25,000 a yearAmong the most expensive (91st of 94 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

Compare side by side

Browse by card type

Compare the FIRST Private Credit Card against every other card in its category.

Airport loungeFree additional cardsRewardsSign-up bonusTravelView all →

Questions and answers

No questions yet. Ask the first one about FIRST Private Credit Card.

Sources

Credit Card Compare
Credit card statistics for IndiaHow CardIQ scores cards
Issuer
IDFC FIRST Bank