IDFC FIRST Private Credit Card 2025
Save more than ₹1,00,000 every year with super rewards, zero forex & premium perks!
The IDFC FIRST Private Credit Card is an invite-only super-premium metal card for high-net-worth individuals in 2025.
Earn 10X points per ₹150 on all spends (6.67% value), 3X on rent/education, 1X on insurance, unlimited lounges worldwide, 0% forex, complimentary Taj Epicure & ITC Culinaire memberships, 50K welcome points, and much more – all for ₹50,000 annual fee (waived on milestones).
Points redeem at ₹1 for travel via app – ultimate luxury card.
Why This Is The Best Super Premium Card in 2025?
10X everywhere (6.67%) • Unlimited lounges • 0% forex • Hotel memberships • Golf lessons • Milestone bonuses up to 1L points
Best for: HNIs, global travelers, high spenders, luxury seekers
Card At a Glance
₹50,000 + GST
₹50,000 + GST
10X All Spends (6.67% value)
50K Points + Taj Epicure
Unlimited Worldwide
0% + GST
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹50,000 + GST |
| Annual Fee | ₹50,000 + GST (waived on ₹15L spend) |
| Welcome Benefit | 50,000 Points (₹12,500 value) |
| Point Value | ₹1 on travel app | ₹0.25 others |
| Foreign Currency Markup | 0% + GST |
| Interest Rate | Up to 3.6% per month |
Detailed Reward Rates (2025)
- 10X Points per ₹150 on all eligible spends (no cap)
- 3X Points per ₹150 on rent & education
- 1X Point per ₹150 on insurance
- ₹1 value on travel bookings via app
- Milestone: 1L bonus on ₹15L annual spend
Airport Lounge Access
Unlimited complimentary domestic & international lounge visits
Priority Pass included for global network
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X on everything (6.67% value) | ₹50K high fee |
| Unlimited lounges worldwide | Invite-only |
| 0% forex markup | No mile transfers |
| Hotel memberships free | High income req |
| 50K welcome + bonuses |
Eligibility Criteria & Documents
- Invite-only for HNIs
- Age: 21–70 years
- Min income: ₹25 Lakh/year
- Documents: PAN, Aadhaar, ITR
How to Apply (Invite Process)
- Receive bank invite
- Verify eligibility
- Submit premium docs
- Video KYC
- Metal card in 7–10 days
Final Verdict – Should You Get It in 2025?
For invited HNIs spending ₹10L+ yearly, this card returns ₹60,000–₹1L+ value in rewards + perks. Top super-premium metal card in India!
Frequently Asked Questions (FAQs)
Who gets invited?
High-net-worth IDFC clients.
Point value for travel?
₹1 per point on app bookings.
Fee waiver?
On ₹15L annual spend.