Back to Browse
IDFC FIRST Private Credit Card
IDFC • Visa

IDFC FIRST Private Credit Card

IDFC FIRST Private Credit Card is an invite-only super-premium card. It comes with an incremental reward structure and zero forex markup fee.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge Access3927 domestic • 12 intl
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • IDFC FIRST Private is an invite-only super-premium card with value anchored in privilege stack and high-tier reward multipliers.
  • The card is designed for affluent, high-volume spend profiles where non-reward benefits (travel, concierge, premium services) are actively used.
  • Base economics alone are insufficient; this card should be evaluated on total premium ecosystem utilization.

Best Utilization

  • Use as a primary premium card only when annual spend and premium-benefit usage are consistently high.
  • Consolidate high-value discretionary spends in windows where reward multipliers and premium travel usage align.
  • Pair with one simple cashback card for excluded or weak-yield categories.

Watchouts

  • Invite-only access and premium-tier policies can change with relationship and issuer criteria.
  • Without active premium-benefit utilization, effective value can trail lower-fee alternatives.
  • Always re-check latest issuer exclusions and reward-conversion pathways before modeling annual value.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count27
  • International count12
  • Quarterly limitNot listed
  • Airport-terminal rows39
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports30
  • Approval reports19

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for IDFC FIRST Private Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify card variant-wise eligibility and spend rules in latest IDFC FIRST terms before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

39 airport lounge rows
View lounge map and location list39 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
Adani Lounge - International T2International

AHM • Ahmedabad Airport • Terminal T2

The Lounge - Domestic T1Domestic

AHM • Ahmedabad Airport • Terminal T1

Amritsar

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

AMR • Amritsar Airport • Domestic Terminal

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 International LoungeInternational

BEN • Bengaluru Airport • Terminal T2

080 LoungeDomestic

BEN • Bengaluru Airport • Terminal T2

BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Terminal

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • International Terminal

Chandigarh

2 lounges • 1 domestic • 1 international

2
Plaza Premium LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Plaza Premium LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

3 lounges • 2 domestic • 1 international

3
Travel ClubDomestic

CHE • Chennai Airport • Terminal T1

Travel ClubInternational

CHE • Chennai Airport • Terminal T2

Travel ClubDomestic

CHE • Chennai Airport • Terminal T4

Coimbatore

1 lounges • 1 domestic • 0 international

1
Blackberry LoungeDomestic

COI • Coimbatore Airport • Terminal T1

Dehra Dun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DE1 • Dehra Dun Jolly Grant Airport • Domestic Terminal

Dibrugarh

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

DIB • Dibrugarh Mohanbari Airport • Domestic Terminal

Goa

1 lounges • 1 domestic • 0 international

1
- Dabolim Travel Club (New Lounge)Domestic

GOA • Goa Airport • Domestic Terminal

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm Lounge Domestic T1 DepartureDomestic

HYD • Hyderabad Airport • Terminal T1

Encalm Lounge International T1 DepartureInternational

HYD • Hyderabad Airport • Terminal T1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic Terminal

Jaipur

1 lounges • 1 domestic • 0 international

1
Adani Lounge - Domestic T1Domestic

JAI • Jaipur Airport • Terminal T1

Jammu

1 lounges • 1 domestic • 0 international

1
Pahun LoungeDomestic

JAM • Jammu Airport • Terminal T1

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal T1

Earth LoungeInternational

KOC • Kochi Airport • Terminal T3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel ClubDomestic

KOL • Kolkata Airport • Domestic Terminal

Travel ClubInternational

KOL • Kolkata Airport • International Terminal

Mumbai

4 lounges • 2 domestic • 2 international

4
Adani Lounge - Domestic T1-BDomestic

MUM • Mumbai Airport • Terminal T1-B

Aviserve West - Arrival T2 T2International

MUM • Mumbai Airport • Domestic/

Oberoi Lounge - International T2International

MUM • Mumbai Airport • Terminal T2

Travel Club - Domestic T2Domestic

MUM • Mumbai Airport • Terminal T2

Nagpur

1 lounges • 1 domestic • 0 international

1
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Terminal T1

New Delhi

4 lounges • 3 domestic • 1 international

4
Encalm Lounge Domestic Departure T1Domestic

NEW • New Delhi Airport • Terminal T1

Encalm Lounge Domestic Departure T2International

NEW • New Delhi Airport • Terminal T2

Encalm Lounge Domestic Departure T3Domestic

NEW • New Delhi Airport • Terminal T3

Encalm Lounge International Departure T3Domestic

NEW • New Delhi Airport • Terminal T3

Prayagraj

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PRA • Prayagraj Airport • Domestic Terminal

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Terminal T2

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
T2 The Lounge - International T2International

THI • Thiruvananthapuram Airport • Terminal T2

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About IDFC FIRST Private Credit Card

IDFC FIRST Private Credit Card is a cashback card from IDFC, best for travel & lounge access. It is tagged under lifetime free, international, premium categories in our database.

Lifetime FreeInternationalPremium

Similar Cards You Might Like

IDFCVisa

IDFC FIRST Gaj Metal Credit Card

Travel & lounge access

Lifetime FreeCashback
IDFCRuPay

IDFC FIRST Digital RuPay Credit Card

Travel & lounge access

Lifetime FreeCashback
IDFCVisa

IndiGo IDFC FIRST Dual Credit Card

Travel & lounge access

Lifetime FreeCashback

Frequently asked questions

Is IDFC FIRST Private Credit Card lifetime free?

IDFC FIRST Private Credit Card is lifetime free with no annual fee.

What rewards does IDFC FIRST Private Credit Card offer?

IDFC FIRST Private Credit Card is an invite-only super-premium card. It comes with an incremental reward structure and zero forex markup fee.

Does IDFC FIRST Private Credit Card include lounge access?

IDFC FIRST Private Credit Card lists 39 lounge visits (27 domestic, 12 international).

Who should consider IDFC FIRST Private Credit Card?

Travel & lounge access

Where can I apply for IDFC FIRST Private Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.