IDFC FIRST Private
IDFC FIRST Bank · Checked 2026-10-09
IDFC FIRST Private is a premium card built around travel benefits, international spending and airport lounge access, with a ₹25,000 annual fee before GST.
CardIQ editorial view
Our take
IDFC FIRST Private is a premium card built around travel benefits, international spending and airport lounge access, with a ₹25,000 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise international spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹150 on eligible domestic purchases; 5 on eligible international purchases.
Trade-offs to understand
- 0% foreign-currency markup.
- The ₹25,000 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: 0% foreign-currency markup.
Compare before deciding
- Times Black ICICI Bank — A lower-fee way to compare similar strengths in airport lounge access and reward points.
- ICICI Bank Emeralde Private Metal — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- 1 point = ₹1 for travel through the bank app or ₹0.25 for other redemptions.
- 0% foreign-currency markup.
- Specified essential categories earn 1 point per ₹150.