Fees & charges
Joining fee₹0
Annual / renewal fee₹0, no spend condition attached
Why this card
- 10X Reward Points on dining, travel, international spends and your birthday; 3X on other general spends (international spends stop earning points from 26 Oct 2026)
- 1X Reward Points on utility, insurance, railway and FASTag spends
- Zero forex mark-up on international spends
- ₹1,500 in welcome benefits (₹500 voucher + up to ₹1,000 cashback on your first EMI)
- 1 complimentary domestic airport lounge visit a quarter, gated on ₹20,000 spend that month (no international lounge access)
- Buy-one-get-one movie ticket every month, gated on ₹20,000 spend the prior month
- Trip-cancellation cover up to ₹10,000 (max 2 claims), plus an insurance suite covering air accident, purchase protection and lost-card liability
- 1% fuel surcharge waiver
More from IDFC First
FIRST Millennia
Lifetime free
- 10X Reward Points on dining, travel and your birthday
- 3X Reward Points on other eligible spends; 1X on utility, insurance, railway and FASTag spends
- Zero forex mark-up on international spends
First Wealth
Lifetime free
- Revolving interest from 8.5% p.a. — the same low bank-wide rate as IDFC First’s other cards, not a Wealth-exclusive perk
- Zero forex mark-up on international spends
- 8 complimentary lounge visits a year (4 domestic + 4 international) on ₹20,000 spend in a calendar month, usable the following month, plus 4 railway lounge visits a year on the same spend gate
Card names, fees and figures shown are illustrative; verify current terms with IDFC First directly before applying.